JP2002015293A - Use system for multipurpose electronic card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain convenience from various public institutions and private institutions with one card and to effectively prevent illegal use by a steal, etc. SOLUTION: This multipurpose electronic card is an electronic card 1 supplied to a user by a card issuer so that the user can receive services of various traders by setting the card on an operation terminal device (not illustrated) and its internal RAM (R1) includes individual areas m1, m2... allocated by the traders as dedicated areas. This read-only RAM (R2) is provided with an identification area a2 in which identification information for identifying the user of the electronic card is registered. In the example of Fig.1, an ID area a1 wherein an ID number unique to this multipurpose electronic card system is registered is provided.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic card having a function of a cash card or a credit card, which can be used for various purposes such as purchasing goods, receiving services, depositing and withdrawing a deposit, and a system for using the same. .

[0002]

2. Description of the Related Art Conventionally, a cash card issued by a financial institution such as a bank or a post office has a certain degree of multi-purpose use such as depositing and withdrawal of deposits and checking of the balance of a deposit, and a designated bank account of another financial institution. However, since this card only contains the information specific to the issuing financial institution, the bank card of that financial institution must be used to receive the services of other financial institutions. Had to have multiple cash cards. Also, even if the same financial institution has multiple accounts, multiple cards are required.

In recent years, as one of the usage forms of cash cards, the use of a David card has been attempted.
This is an instant payment service using a cash card. For example, instead of paying with cash at the time of purchase of goods, a bank card or a post office issues a deposit using an electronic terminal device installed at the store. In this mechanism, a predetermined amount of money is immediately deducted from the account to the business operator, and the cash card serves as a substitute for cash. In this case as well, the bank card issuing financial institution and the business partner to build a specific David card system, so depending on the business operator who wants to use, a different organization's David card is required, and multiple cards are required. The problem of need cannot be solved.

[0004] When such a cash card is used, as a means of personal authentication, a so-called ID number such as a bank code, a branch number and an account number registered on the card and a password set by the user himself are used. At the storefront of the business, the ID number is automatically read from the card, and the user simply authenticates the user by entering the password, so that even someone who knows the password can use the genuine card. As long as the password is stolen, there is a security problem that even if the password is stolen, it cannot be identified from the authentication system.

At present, credit card systems are also widely used. This means that when a member of a private credit institution uses a credit card issued by a member of a department store, retail store, restaurant,
The use price can be paid at a later date,
It is a kind of credit system using a card. In this system, a revolving function such as cashing or monthly installment for renting a fixed amount is also added for the convenience of the user.

[0006] In the credit card system, there are also many hybrid card types in which house cards issued independently by major department stores and chain stores cooperate with the credit card system. In the case of a credit card, in general, personal authentication employs a simple method of comparing a self-written signature of the user with a signature typeface written on the card. Then, since the statement is sent to the user in advance before payment, accident prevention is possible, but in reality, improper use due to loss or theft is unending. In addition, even with this credit card, each member store has its own characteristics, so it is inconvenient if you do not have multiple types of cards, and there is no deposit deposit and withdrawal function, so you also need to have a cash card there were.

[0007]

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and eliminates the inconvenience of having to hold many types of credit cards and the like. The card can be used for various purposes such as public institutions as well as transportation, hospitals, banks, etc., as well as various private institutions such as department stores, restaurants and other shops, theaters, amusement parks and other service industries. Provided is a multipurpose electronic card capable of effectively preventing unauthorized use such as theft, and a system for using the same.

[0008]

SUMMARY OF THE INVENTION The above-mentioned problem is a first aspect of the present invention, in which a card issuer is set on an operation terminal device so that a user can receive services of various businesses. An electronic card to be provided, wherein a built-in RAM is divided into a plurality of individual areas, each of which is a dedicated area assigned to each of the businesses,
The present invention can be solved by the multipurpose electronic card according to the present invention, characterized in that a read-only area storing user authentication information is provided separately as a RAM or a ROM.

[0009] In the invention according to the multipurpose electronic card, the personal authentication information is one or a combination of two or more of a face image of a user, a fingerprint image of a finger, a personal identification number, a code, and a self-signed signature. Multi-purpose electronic card, or each of the above-mentioned businesses is a public organization such as a country, local government, etc., recognized by the electronic card issuer, or a financial company, a credit card company, a goods dealer or a service provider, etc. As a multipurpose electronic card in a form of a private institution.

[0010] Further, the above problem is a problem that the multi-purpose electronic card according to the first aspect of the present invention is provided in advance from a card issuer to an operating terminal device arranged at the business place of the business operator to a person in charge of the business business. The set staff card is set, and a person confirmation process is performed by the personal authentication information of the person in charge stored in the staff card, and when the electronic card is set, the read-only area of the electronic card is The user authentication information is called, the user is authenticated by the authentication information, and only after the user verification process is completed, the person in charge of the business is assigned to the RAM assigned to the electronic card. According to a second aspect of the present invention, there is provided a system for using a multi-purpose electronic card, wherein the system can access a dedicated area of a business operator. It can be solved Te.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, an embodiment of a multipurpose electronic card of the present invention and a system for using the multipurpose electronic card will be described with reference to FIGS. First, in FIG. 1, which is an illustration showing the memory structure of the electronic card, the multipurpose electronic card of the present invention can be set on an operation terminal device (not shown) so that the user can receive services of various businesses. An electronic card 1 provided to a user by a card issuer, and a RAM (R1) built in the electronic circuit stores a plurality of individual areas m1, m2, m3, m4,. The first feature is that each is divided as described above, and each is included as a dedicated area assigned to each of the businesses.

Each of the individual areas m1, m2,... Is set to a required capacity according to the business of the business entity to which the individual area is allocated.
In addition to registering predetermined data that can be read and written from the business side here, usually, from the user identification code unique to the business, for example, the branch number, account type, account number when the business is a bank The ID number is registered as identification information such as an ID number, a basic pension number in the case of a welfare pension institution, or an insured number of National Health Insurance in the case of a medical institution such as a hospital.

The individual area m of the RAM (R1)
.., 1, m2,..., In order to prevent improper access from the outside, an identity verification process for confirming that the user of the electronic card 1 is a proper owner is performed.
It is important that the access communication path to the individual area is set to be opened.

Therefore, in the electronic card of the present invention, a read-only area storing personal authentication information is provided separately from the individual areas m1, m2,. And Specifically, this read-only RAM (R2) is provided, and in this RAM, in order to confirm the validity of the user of the electronic card 1, personal authentication information registered based on the information of the authorized user is registered. An authentication area a2 is provided. In the example of FIG. 1, the read-only RAM is provided with an ID area a1 in which an identification ID number unique to the electronic card system is registered to prevent the electronic card from being misused by another type of card system. are doing. The read-only RAM (R2) is prohibited from rewriting data, and is provided with measures to maintain security, such as causing a blockage by itself when an unauthorized access is made. Although the RAM (R2) is used as a memory in which the personal authentication area a2 is provided, the object of the present invention can be achieved by using a ROM. Further, in the following description, the RAM (R2) is RO
M can be read as M.

In the present invention, the personal authentication information registered in the personal authentication area a2 of the electronic card 1 includes:
A face image of a legitimate user, a fingerprint image of a finger, for example, a fingerprint image of all fingers of both hands, a password, or an encryption and a self-signed signature can be applied. Then, one or a combination of two or more types of the authentication information is used for the personal identification processing, and a specific reference for the processing is also registered.

The electronic card 1 of the present invention is a portable, small card-like electronic device including various types of electronic and magnetic storage devices, but is difficult to forge and has a large storage capacity. Is most preferred. In the case of this IC card, a contact type or non-contact type
Any type of C card may be used, but a non-contact type IC card is more preferable in terms of utilization efficiency and convenience of the user. If necessary, a hybrid with a magnetic card, an optical card, or the like can be applied.

The businesses assigned to the individual areas of the RAM of the electronic card 1 are various businesses approved by the card issuer to join the card system, and are convenient for users who are ordinary residents. Businesses in a wide variety of fields, each of which can provide a credit card, can be registered in cooperation with a card issuer. For example, private institutions include financial companies such as banks and securities companies, credit card companies such as existing card companies, merchandise sellers such as department stores, supermarkets and retail stores, medical institutions such as hospitals and clinics, trains and buses. In addition to public transportation such as transportation, amusement parks, amusement parks, etc., public institutions include public services such as electricity, gas, water, JR, telegraph and telephone, welfare pension institutions, health insurance institutions There are institutions of local governments.

Thus, the user can receive various conveniences based on their individual contracts from each of these registered businesses by using the multi-purpose electronic card of the present invention. For example, for a registered bank, You can get convenience such as deposit and withdrawal, transfer, transfer, balance check, bookkeeping, etc.
Similarly, the post office will be able to pay simple insurance premiums and withdraw insurance money in addition to savings. In addition, the registered credit card business operator can enjoy the same facilities as conventional credit cards, such as purchasing goods, enjoying services, and collective payment or installment payment at a later date.

Further, for medical institutions such as hospitals and clinics, this electronic card can be used as a substitute for a conventional consultation ticket, in addition to identification, to record the progress of treatment, to be linked to a health insurance system, and to pay fees. It is also possible to receive convenience. Similarly, for transportation such as JR or private railways, the electronic card of the present invention can be used in place of cash like a prepaid card, but the multipurpose electronic card of the present invention can be used at a ticket gate or a ticket gate at each station. By installing an operation terminal device that can be described later, it can be used in the same manner as a normal commuter pass or coupon. As described above, since it also has a prepaid card function, it can be sufficiently applied to telephone card and highway card applications.

Further, in the electronic card of the present invention, the following functions can be added by utilizing the characteristics of the readable / writable storage area. In other words, between the user and the registered business operator, the user is required to pay for the provided benefits as a usage fee from a predetermined financial account automatically and in a predetermined manner by direct debit, along with a contract Accumulate the record of the fee or the service provided, according to its performance after a certain period, reduce the usage fee at a certain discount rate, transfer the discount amount collectively to the account transfer, etc.
It is also possible to adopt a fine-grained mechanism such as a point service system.

Next, a system for using a multipurpose electronic card according to the present invention will be described with reference to FIG. The form of the system for using a multi-purpose electronic card according to the second invention is a method for using the multi-purpose electronic card 1 according to the first invention, and will be described below.
(2) User confirmation procedure op2, (3) Check of the user's authentication information op3, (4) Access system to the individual area of the operation target operator op4.

(1) Person Confirmation Treatment (op1) The card issuer 3 is provided in advance to the operator 21 on the operating terminal device 4 located at the business place of the business where the electronic card 1 can be used. The staff card 2 is set, and the person confirmation processing is performed based on the personal authentication information of the person 21 stored in the staff card 2. This is an operation terminal device 4 for reading and writing the electronic card 1.
The staff card 4 is stored in the staff card 4 electronically and magnetically to prevent the staff 2 from being operated by an unqualified person.
1 personal authentication information, for example, a face image, a fingerprint image of a finger, a personal identification number, other encryption and a self-signed signature, etc. are stored, and these data are stored in the personal authentication information of the person in charge 21 registered in the operation terminal device 4 in advance. This is done by collation.

Here, the operation terminal device 4 is an information input / output device capable of reading and writing the multi-purpose electronic card 1 of the present invention in order to perform a unique operation of each registered business operator 3 and usually issues a card. It is connected to a host computer provided in the organization of the third party and is set so that information can be exchanged. For example, in this person confirmation procedure (op1), it is possible to prevent the use of the invalidated staff card by the revocation information of the staff card transmitted from the card issuer 3 side.

(2) User Confirmation Procedure (op2) When the electronic card is set in a state where the operation terminal device 4 is normally operated as described above, the ID area of the electronic card 1 illustrated in FIG. The ID number at a1 is called, and it is checked whether or not operation is possible. At this stage, the unauthorized use of the electronic card 1 is prevented by the pre-registered revocation information of the specific electronic card based on loss, theft, or the like.

Next, the personal authentication information of the user 11 is called from the personal authentication area a2 of the set electronic card 1, and the person in charge 21 confirms the identity of the user by the authentication information. As described above, this identification is performed by using the face image of the user 11, the fingerprint image of the finger, the password,
According to one or more predetermined combination criteria of authentication information such as encryption and self-signed signature, for example, if it is a password, the user inputs the password and collates with the authentication information, and confirms the identity. I do. However, in the case of a password, the collation process itself can be automatically performed.

(3) Checking the User Authentication Information of the User (op3) According to the above (2) user confirmation processing (op2), the user 11 may be a legitimate user registered in the electronic card 1. Although it can be confirmed, if the electronic card 1 is forged based on the data of an unauthorized user, the identity verification cannot detect the illegality. Therefore, in the present invention, the RO of the set electronic card 1 is
The personal authentication information of the user 11 called from the personal authentication area a2 of M is automatically collated with the original data of the personal authentication information of the user 11 registered in the host computer of the card issuer 3 to verify the identity. You can set the software to double-check. However, normally, the check (op3) of the user authentication information may be omitted.

(4) Access to the Individual Area of the Business Subject to Be Operated (op4) After confirming the identity of the business person 21 and the electronic card user 11 described above, for the first time, the person in charge 21 becomes the electronic card. The user can access an individual area, which is a dedicated area of the operation target company assigned to the RAM 1 and can perform a predetermined data input / output operation. In this case, the operation terminal device 4 and the staff card 2 provided to the operator are limited to be able to access only the address of the individual area mx assigned to the operator, and the individual area m of the other operator is limited.
y is made inaccessible.

Thus, according to the multipurpose electronic card of the present invention and the system for using the same, as described in detail, a single electronic card of the present invention can be used for a wide range of various types of public and private institutions. Since electronic cards can be provided, it is possible to eliminate the inconvenience of having many types of credit cards, etc. as in the past, and to have high security that can effectively prevent unauthorized use based on theft, loss, etc. Multipurpose electronic cards can also be provided.

[0029]

Since the multipurpose electronic card and the system for using the same according to the present invention are constructed as described above, it is not necessary to carry many kinds of credit cards and the security is high. In addition, it eliminates the inconvenience and anxiety of the user, and is useful for the daily life of general users as an ID card or an electronic seal in the information society in the future. In addition, there are excellent effects such as the reduction of paper in office work and the improvement of work efficiency. Therefore, the present invention has a multipurpose electronic card which solves the conventional problems and a system for using the multipurpose electronic card, the use value of which is extremely large.

[Brief description of the drawings]

FIG. 1 is an illustration of a memory for explaining a multipurpose electronic card of the present invention.

FIG. 2 is an illustration of an operation flow for explaining a system for using a multipurpose electronic card according to the present invention.

[Explanation of symbols]

1 electronic card, 11 users, 2 staff card,
21 person in charge, 3 card issuer, 4 operation terminal device,
R1 RAM, R2 Read-only RAM, a1, ID
Area, a2 Identity authentication area, m1, m2, m3, m4
Individual area,

[Procedure amendment]

[Submission date] November 17, 2000 (200.11.
17)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction contents]

[Document Name] Statement

[Title of the Invention] multi-purpose electronic card utilization system

[Claims]

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention is provided with the function of a cash card or a credit card, the purchase of goods, receive services, the present invention relates to use system of electronic card that can be used for multi-purpose applications such as deposit withdrawals .

[0002]

2. Description of the Related Art Conventionally, a cash card issued by a financial institution such as a bank or a post office has a certain degree of multi-purpose use such as depositing and withdrawal of deposits and checking of the balance of a deposit, and a designated bank account of another financial institution. However, since this bank card contains only the unique information of the issuing financial institution, it is necessary to use the bank card of that financial institution to receive services of other financial institution. Had to have multiple cash cards. Also, even if the same financial institution has multiple accounts, multiple cards are required.

In recent years, as one of the usage forms of cash cards, the use of a David card has been attempted.
This is an instant payment service using a cash card. For example, instead of paying with cash at the time of purchase of goods, a bank card or a post office issues a bank card using a cash card issued by an electronic terminal device installed at a store. an immediate specification be overlooked pull in business's side set a predetermined amount of money from the account, it is the cash card plays the role instead of cash. In this case as well, the bank card issuing financial institution and the business partner to build a specific David card system, so depending on the business operator who wants to use, a different organization's David card is required, and multiple cards are required. The problem of need cannot be solved.

[0004] When such a cash card is used, as a means of personal authentication, a so-called ID number such as a bank code, a branch number and an account number registered on the card and a password set by the user himself are used. At the storefront of the business, the ID number is automatically read from the card, and the user simply authenticates the user by entering the password, so that even someone who knows the password can use the genuine card. As long as the password is stolen, there is a security problem that even if the password is stolen, it cannot be identified from the authentication system.

[0005] In addition, it is now in widespread use much even credit card system. This is by using a credit card that member has been the provision of private credit institutions, department stores, retail stores, restaurants, when you use the merchant, such as the gaming field,
The use price can be paid at a later date,
It is a kind of credit system using a card. In this system, a revolving function such as cashing or monthly installment for renting a fixed amount is also added for the convenience of the user.

[0006] In addition, the credit card system, a major department store, but House card, such as chain stores to its own issue has become to be seen many things of the hybrid type of form that was affiliated with the credit card system, these in the credit card, generally authentication has adopted a simple method of verifying the signature typeface that is fill in the handwritten signature of the person on the card. Then, since the statement is sent to the user in advance before payment is made, the accident can be prevented, but in reality, improper use due to loss or theft is inevitable. Also in this credit card, since each merchant is characterized, after it is inconvenient when no plural types of cards, since there is no deposit drawer features deposits, a problem that must still have also cash card there were.

[0007]

[SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, eliminating the inconvenience that must hold a like number type of click <br/>Reji' preparative card With a single card, you can receive benefits from a wide range of private institutions such as public institutions, transportation, hospitals, banks, etc., as well as department stores, restaurants and other shops, theaters, amusement parks and other service industries. It is versatile utilization becomes possible, and to provide a system for utilizing multi-purpose electronic cards that can effectively prevent unauthorized theft.

[0008]

SUMMARY OF THE INVENTION The present invention relates to a card issuer.
An electronic terminal card previously supplied to the user from the operating terminal device
To receive the services of various businesses.
A multi-purpose electronic card use system that can
The electronic card has a built-in RAM, and the RAM includes a plurality of individual cards.
Divided into different areas, each of which is assigned to each of the above businesses
Occupied areas and RAs separately
Stores user authentication information as M or ROM
A read-only area is provided, and the card issuer
The staff card provided in advance to the
Set on the device and stored in the staff card.
The person in charge confirmation process using the person's authentication information
U.

Next, when the electronic card is set
User from the read-only area of the electronic card.
Call the user's authentication information, and use the
The identity of the user is confirmed, and this user confirmation procedure is performed.
Is not completed until the operator contacts the electronic card.
Access to the dedicated area of the carrier allocated to RAM
To solve the above-mentioned problems.
is there.

And a multipurpose electronic card according to the present invention.
Means that the personal authentication information is a user's face image,
One or two types of images, PINs, ciphers and autographs
A multipurpose electronic card in a form that is a combination of the above,
Is approved by the electronic card issuer.
Countries, public institutions such as local governments, or financial businesses
Person, credit card company, merchandise seller or
Multi-purpose electronic cards that are private organizations such as service providers
Can be embodied as a code.

[0011]

DETAILED DESCRIPTION OF THE INVENTION Next, an embodiment according to the utilization system of the multi-purpose electronic card of the present invention will be described with reference to FIGS. 1-2. First, in FIG. 1, which is an illustration showing the memory structure of the electronic card, the multipurpose electronic card of the present invention can be set on an operation terminal device (not shown) so that the user can receive services of various businesses. An electronic card 1 provided to a user by a card issuer, and a RAM (R) incorporated in the electronic circuit.
In 1), the memory is divided into a plurality of individual areas m1, m2, m3,
The first feature is that points are classified as m4,..., and each is included as a dedicated area assigned to each business operator.

Each of the individual areas m1, m2,... Is set to a required capacity according to the business of the business to which the area is allocated.
Here, in addition to registering predetermined data that can be read and written from the business side, usually, a user identification number unique to the business, such as a branch number, account type, account number when the business is a bank, The ID number is registered as identification information such as an ID number, a basic pension number in the case of a welfare pension fund, or an insured number of the National Health Insurance in the case of a medical institution such as a hospital.

The individual area m of the RAM (R1)
, M2,..., In order to prevent inappropriate access from the outside, the identity verification process for confirming that the user of the electronic card 1 is the authorized owner is performed.
It is important that the access communication path to the individual area is set to be opened.

Therefore, in the electronic card of the present invention, a read-only area storing personal authentication information is provided separately from the individual areas m1, m2,. And Specifically, this read-only RAM (R2) is provided, and in this RAM, in order to confirm the validity of the user of the electronic card 1, personal authentication information registered based on the information of the authorized user is registered. An authentication area a2 is provided. In the example of FIG. 1, the read-only RAM is provided with an ID area a1 in which an identification ID number unique to the electronic card system is registered to prevent the electronic card from being misused by another type of card system. are doing. The read-only RAM (R2) is prohibited from rewriting data, and is provided with measures to maintain security, such as causing a blockage by itself when an unauthorized access is made. Although the RAM (R2) is used as a memory in which the personal authentication area a2 is provided, the object of the present invention can be achieved by using a ROM. Further, in the following description, the RAM (R2) is RO
M can be read as M.

In the present invention, the personal authentication information registered in the personal authentication area a2 of the electronic card 1 includes:
A face image of a legitimate user, a fingerprint image of a finger, for example, a fingerprint image of all fingers of both hands, a password, or an encryption and a self-signed signature can be applied. For identification processing, one or a combination of two or more of these authentication information is used, and a specific reference for the processing is also registered at the same time.

The electronic card 1 of the present invention is a portable, compact card-like electronic device including various types of electronic and magnetic recording devices, but is difficult to forge and has a large storage capacity. Is most preferred. In the case of this IC card, a contact type or non-contact type
Any type of C card may be used, but a non-contact type IC card is more preferable in terms of utilization efficiency and convenience of the user. If necessary, a hybrid with a magnetic card, an optical card, or the like can be applied.

The businesses assigned to the individual areas of the RAM of the electronic card 1 are various businesses approved by the card issuer to join the card system, and are convenient for users who are ordinary residents. Businesses in a wide variety of fields, each of which can provide a credit card, can be registered in cooperation with a card issuer. For example, private institutions include financial companies such as banks and securities companies, credit card companies such as existing card companies, merchandise sellers such as department stores, supermarkets and retail stores, medical institutions such as hospitals and clinics, trains and buses. In addition to public transportation such as transportation, amusement parks, amusement parks, etc., public institutions include public services such as electricity, gas, water, JR, telegraph and telephone, welfare pension institutions, health insurance institutions There are institutions of local governments.

Thus, the user can receive various conveniences based on their individual contracts from each of these registered businesses by using the multi-purpose electronic card of the present invention. For example, for a registered bank, You can get convenience such as deposit and withdrawal, transfer, transfer, balance check, bookkeeping, etc.
Similarly, post offices will be able to pay simple insurance premiums and withdraw insurance premiums in addition to savings. In addition, the registered credit card business operator can enjoy the same facilities as conventional credit cards, such as purchasing goods, enjoying services, and collective payment or installment payment at a later date.

Further, for medical institutions such as hospitals and clinics, this electronic card can be used as a substitute for a conventional consultation ticket, in addition to identification, to record the progress of treatment, to be linked to a health insurance system, and to pay fees. It is also possible to receive convenience. Similarly, for transportation such as JR or private railways, the electronic card of the present invention can be used in place of cash like a prepaid card, but the multipurpose electronic card of the present invention can be used at a ticket gate or a ticket gate at each station. By installing an operation terminal device that can be described later, it can be used in the same manner as a normal commuter pass or coupon. As described above, since it also has a prepaid card function, it can be sufficiently applied to the use of a telephone card or a highway card.

Further, in the electronic card of the present invention, the following functions can be added by utilizing the characteristics of the readable / writable storage area. In other words, between the user and the registered company, the user along with the agreement to pay automatically by direct debit in a predetermined manner from a given financial account the consideration of the provided benefits as a usage fee, the use Accumulate the record of the fee or the service provided, according to its performance after a certain period, reduce the usage fee at a certain discount rate, transfer the discount amount collectively to the account transfer, etc.
It is also possible to adopt a fine-grained mechanism such as a point service system.

Next, a system for using a multipurpose electronic card according to the present invention will be described with reference to FIG. Form of utilization system multipurpose electronic card of the present invention, a multi-purpose electronic card 1
(1) Person confirmation procedure op1, (2) User confirmation procedure op2, (3) Check of user authentication information op3, (4) Operation target business operator This is a usage system including a procedure of access op4 to an individual area.

(1) Person Confirmation Device (op1) The card issuer 3 is provided in advance to the operator 21 on the operating terminal device 4 located at the business place of the business where the electronic card 1 can be used. The staff card 2 is set, and the person confirmation processing is performed based on the personal authentication information of the person 21 stored in the staff card 2. This is an operation terminal device 4 for reading and writing the electronic card 1.
The staff card 4 is stored in the staff card 4 electronically and magnetically to prevent the staff 2 from being operated by an unqualified person.
1 personal authentication information, for example, a face image, a fingerprint image of a finger, a personal identification number, other encryption and a self-signed signature, etc. are stored, and these data are stored in the personal authentication information of the person in charge 21 registered in the operation terminal device 4 in advance. This is done by collation.

Here, the operation terminal device 4 is an information input / output device capable of reading and writing the multi-purpose electronic card 1 of the present invention in order to perform a unique operation of each registered business operator 3 and usually issues a card. who provided the third engine connected to it has a host computer, are configured to allow information exchange. For example, in this person confirmation device (op1), it is possible to prevent the use of an invalid staff card based on the revocation information of the staff card transmitted from the card issuer 3 side.

(2) User Confirmation Device (op2) When the electronic card is set in a state where the operation terminal device 4 is properly operated as described above, the ID area of the electronic card 1 illustrated in FIG. The ID number at a1 is called, and it is checked whether or not operation is possible. At this stage, the unauthorized use of the electronic card 1 is prevented by the pre-registered revocation information of the specific electronic card based on loss, theft, or the like.

Next, the personal authentication information of the user 11 is called from the personal authentication area a2 of the set electronic card 1, and the person in charge 21 confirms the identity of the user by the authentication information. As described above, this identification is performed by using the face image of the user 11, the fingerprint image of the finger, the password,
According to one or more predetermined combination criteria of authentication information such as encryption and self-signed signature, for example, if it is a password, the user inputs the password and collates with the authentication information, and confirms the identity. I do. However, in the case of a password, the entire matching process can be automatically performed.

(3) Checking user authentication information (o
p3) Although it is possible to confirm that the user 11 is a legitimate user registered in the electronic card 1 by the above-described (2) user confirmation device (op2), the electronic confirmation is performed based on the data of the unauthorized user. If the card 1 is forged, the identity verification cannot detect the fraud. Therefore, in the present invention, the RO of the set electronic card 1 is
The personal authentication information of the user 11 called from the personal authentication area a2 of M is automatically collated with the original data of the personal authentication information of the user 11 registered in the host computer of the card issuer 3 to verify the identity. You can set the software to double-check. However, normally, the check (op3) of the user authentication information may be omitted.

(4) Access to the Individual Area of the Business Subject to Be Operated (op4) After confirming the identity of the business person 21 and the electronic card user 11 described above, for the first time, the person in charge 21 becomes the electronic card. The user can access an individual area, which is a dedicated area of the operation target company assigned to the RAM 1 and can perform a predetermined data input / output operation. In this case, the operation terminal device 4 and the staff card 2 provided to the operator are limited to be able to access only the address of the individual area mx assigned to the operator, and the individual area m of the other operator is limited.
y is made inaccessible.

[0028] Thus, according to the utilization <br/> for the system of multi-purpose electronic card of the present invention, by a single electronic card of the present invention, as described in detail, extensive and other kinds of public institutions, private since the institutions available to multi-purpose electronic card can provide, it can eliminate the disadvantage of the conventional must be in possession of such a large number kind of credit card so, and,
It is also possible to provide a highly secure multipurpose electronic card that can effectively prevent unauthorized use based on theft, loss, and the like.

[0029]

Multipurpose electronic card utilization system of the present invention according to the present invention, which is configured as described above, eliminates the need to possess a large number kinds of credit cards, and it a combined high safety In addition, it eliminates the inconvenience and anxiety of the user, and is useful for the daily life of general users as an ID card or an electronic seal in the information society in the future. In addition, there are excellent effects such as the reduction of paper in office work and the improvement of work efficiency. Accordingly, the present invention is a system for utilizing multi-purpose electronic card which solves the conventional problems, its utility value is extremely great ones.

[Brief description of the drawings]

FIG. 1 is an illustration of a memory for explaining a multipurpose electronic card of the present invention.

FIG. 2 is an illustration of an operation flow for explaining a system for using a multipurpose electronic card according to the present invention.

[Description of Signs] 1 Electronic card 11 User 2 Staff card 21 Person in charge 3 Card issuer 4 Operation terminal device R1 RAM R2 Read only RAM a1 ID area a2 Personal authentication area m1, m2, m3, m4 Individual area

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 510 G06K 19/00 P G06K 19/10 RF term (Reference) 2C005 MA04 MA33 MB08 SA12 SA14 SA15 SA16 SA23 5B035 AA06 AA13 BB09 CA29 5B049 AA05 BB00 BB11 BB46 CC16 CC39 DD04 EE09 EE10 EE23 EE28 GG10 5B055 BB20 CC10 EE03 EE17 EE21 EE27 HB02 HB04 HB06 KK05 KK07 KK09 KK19 KK19 KK19

Claims (4)

[Claims] An electronic card provided to a user from a card issuer as being set on an operation terminal device so that the user can receive services of various businesses, wherein the built-in RAM has a plurality of RAMs. It is characterized in that it is divided into individual areas, each of which is a dedicated area allocated to each of the above-mentioned businesses, and a read-only area storing user authentication information as a RAM or a ROM is provided separately from these areas. Multipurpose electronic card. 2. The multipurpose electronic card according to claim 1, wherein the personal authentication information is one or a combination of two or more of a face image of a user, a fingerprint image of a finger, a personal identification number, a code and a self-signed signature. 3. The method according to claim 1, wherein the business operator is a public organization such as a national government or a local government, or a private organization such as a financial business operator, a credit card business operator, a merchandise seller or a service provider. Multipurpose electronic card as described. 4. A card issuer pre-supplied to an operator in charge of an operator at an operation terminal device arranged at a business place of the operator, wherein the multi-purpose electronic card according to claim 1 or 2 can be used. The staff card is set, and the staff confirmation processing is performed by the personal authentication information of the staff stored in the staff card. When the electronic card is set, the staff card is used from the read-only area of the electronic card. The user's identity authentication information is called up, the identity of the user is verified using the authentication information, and only after the user identification procedure is completed, the person in charge of the business is assigned to the business assigned to the RAM in the electronic card. A system for using a multipurpose electronic card, wherein the user can access a dedicated area of the user.