JP2019071006A - Transaction device, system, method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction device, a system, a method and a program capable of using the face information displayed on the surface of a card in addition to the information recorded on a magnetic stripe and an IC chip in a transaction using a card. A transaction device 100 according to an embodiment of the present invention includes a ticket face information acquisition unit 110 for acquiring ticket face information displayed on the surface of a card, and at least one of a card magnetic and an electric circuit mounted on the card. It is provided with a card information acquisition unit 130 for acquiring the card information recorded by the above, and a transaction admissibility determination unit 140 for determining whether or not a transaction using the card information is possible based on the face information and the card information. [Selection diagram] Fig. 4

Description

  The present invention relates to a transaction apparatus, system, method and program for reading a card and performing a predetermined transaction.

  In stores such as banks and convenience stores, transaction devices such as ATM (Automated Teller Machine) and CD (Cash Dispenser) are widely installed. The transaction apparatus reads information of a card such as a cash card or a credit card inserted by the user, and performs predetermined transactions including deposit and payment of money.

  In cards such as cash cards and credit cards, those in which information is recorded on magnetic stripes provided on the card and those in which information is recorded on an IC (Integrated Circuit) chip provided on the card is there. The transaction apparatus performs a predetermined transaction using the information recorded in either or both of the magnetic stripe and the IC chip.

  In the conventional transaction apparatus, information indicating the presence or absence of an IC chip is recorded in a magnetic stripe, and when the presence of the IC chip is indicated by the magnetic stripe, the transaction is performed using the information of the IC chip.

  Further, Patent Document 1 describes a technique for reading an IC chip when the reading of the magnetic stripe can not be normally performed in a card on which the magnetic stripe and the IC chip are mounted. As a result, even if the information on the magnetic stripe is broken, it is possible to make a transaction using the information on the IC chip.

JP 2007-167200 A

  In recent trading devices, high-performance cameras and scanners are often mounted. Therefore, the transaction apparatus has become able to obtain ticket surface information such as characters, figures, photographs, etc. represented on the card in a wide range and at high resolution. However, the conventional transaction apparatus does not use the card face information of the card, but carries out the transaction using only the information of the magnetic stripe and the IC chip.

  The present invention has been made in view of the above problems, and in transaction using a card, in addition to the information recorded on the magnetic stripe and the IC chip, it is possible to use the ticket surface information represented on the surface of the card Trading device, system, method and program are provided.

  According to a first aspect of the present invention, there is provided a transaction apparatus, comprising: a ticket surface information acquiring unit for acquiring ticket surface information represented on the surface of a card; and at least one of a magnet of the card and an electric circuit mounted on the card. A card information acquisition unit that acquires recorded card information, and a determination unit that determines the possibility of a transaction using the card information based on the ticket surface information and the card information.

  A second aspect of the present invention is a transaction system, comprising: a transaction device; and a transaction server in communication with the transaction device, wherein the transaction device acquires a ticket surface information represented on the surface of a card An information acquisition unit; and a card information acquisition unit for acquiring card information recorded by at least one of a magnet of the card and an electric circuit mounted on the card, the transaction server including the ticket surface information and the card information It has a determination part which determines the decision | availability of the transaction which used said card information based on card information.

  According to a third aspect of the present invention, there is provided a transaction method, comprising the steps of: acquiring the ticket surface information represented on the surface of a card; and at least one of the magnetism of the card and the electric circuit mounted on the card. It has a process of acquiring card information, and a process of judging the propriety of the transaction which used the card information based on the ticket side information and the card information.

  According to a fourth aspect of the present invention, there is provided a transaction program, comprising the steps of: obtaining on a computer a piece of ticket surface information represented on the surface of a card; and at least one of the magnetism of the card and the electric circuit mounted on the card. A step of acquiring recorded card information, and a step of determining whether or not to make a transaction using the card information based on the ticket surface information and the card information are executed.

  According to the present invention, in addition to the information recorded on the magnetic stripe and the IC chip, it is possible to make a transaction using the card by utilizing the ticket surface information displayed on the surface of the card.

It is a schematic diagram of the transaction system which concerns on 1st Embodiment. It is a top view of the card concerning a 1st embodiment. BRIEF DESCRIPTION OF THE DRAWINGS It is a schematic block diagram of the transaction apparatus and transaction server which concern on 1st Embodiment. It is a block diagram of a transaction device and a transaction server concerning a 1st embodiment. It is a front view of a display concerning a 1st embodiment. It is a figure which shows the flowchart of the transaction method which concerns on 1st Embodiment. It is a block diagram of the transaction apparatus and transaction server which concern on 2nd Embodiment. It is a schematic block diagram of the transaction apparatus which concerns on each embodiment.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings, but the present invention is not limited to the embodiments. In the drawings described below, components having the same function are denoted by the same reference numerals, and repeated descriptions thereof may be omitted.

First Embodiment
FIG. 1 is a schematic view of a trading system 1 according to the present embodiment. The transaction system 1 includes a transaction apparatus 100, a transaction server 300, and a transaction information storage device 400. The transaction apparatus 100 and the transaction server 300 are connected by at least one of a wired connection and a wireless connection via an arbitrary network 500 such as a dedicated line, a local area network, or the Internet. The transaction system 1 may include devices such as other servers and terminals.

  The transaction apparatus 100 is an apparatus that reads the information of the card 200 and performs a predetermined transaction based on the information. The transactions performed by the transaction apparatus 100 include arbitrary transactions using money, such as deposit (payment and deposit) of a bank account, deposit of a loan account, payment for goods, and the like. The transaction apparatus 100 may be an apparatus such as an ATM or a CD for making a cash deposit using the information of the card 200, or a register for making payment for a product using the information of the card 200, or It may be a device such as a POS (Point Of Sales) terminal. The transaction apparatus 100 may be operated by the user himself or may be operated by a store clerk with whom the user transacts. The transaction apparatus 100 is connected to the network 500 by wired communication or wireless communication, and is configured by a single computer or a combination of a plurality of computers.

  The transaction apparatus 100 includes a card reader 101, a display 102, an input device 103, a deposit and withdrawal device 104, and a camera 105. The card reader 101 is a reading unit that accepts insertion of the card 200 and reads information of the card 200. The display 102 is a display unit such as a CRT (Cathode Ray Tube) display, a liquid crystal display, or an organic electroluminescence (EL) display, which displays information to the user. The input device 103 is an input unit such as a keyboard that receives an input from the user. The display 102 may be configured as the input device 103 by mounting the touch panel on the display 102. The deposit and withdrawal device 104 is a device that accepts insertion of a predetermined coin or bill from the user and pays out the coin or bill to the user according to the result of the transaction.

  The camera 105 is an imaging device that captures an area including a user's face to acquire image data. The camera 105 includes an arbitrary imaging element for performing imaging, such as a charge coupled device (CCD) sensor or a complementary metal oxide semiconductor (CMOS) sensor. The camera 105 is provided at a position where an area including the face of the user operating the transaction apparatus 100 can be imaged.

  The transaction server 300 is an apparatus that receives an instruction of a transaction from the transaction apparatus 100, and reads and records transaction information in the transaction information storage device 400 based on the instruction. The transaction information is, for example, a history of balance and deposit / withdrawal of the user's bank account or loan account. The transaction server 300 is connected to the network 500 by wired communication or wireless communication, and is configured by a single computer, a combination of a plurality of computers, or a cloud which is a collection of computer resources.

  The transaction information storage device 400 is a device for recording transaction information. The transaction information storage device 400 is configured by a storage device such as a readable / writable hard disk drive or a flash memory, or a combination of a plurality of storage devices. The transaction information storage device 400 is connected to the transaction server 300 directly or through the network 500 by wired communication or wireless communication. Also, the transaction information storage device 400 may be incorporated in the transaction server 300.

  FIG. 2A is a plan view of the upper surface 201 of the card 200 according to the present embodiment, and FIG. 2B is a plan view of the lower surface 202 of the card 200 according to the present embodiment. Here, the surface of the card 200 on which the card number 243 is written is the upper surface 201, and the surface opposite to the upper surface 201 is the lower surface 202, but the upper surface 201 and the lower surface 202 are arbitrarily defined. Although a credit card is illustrated as card 200 in Drawing 2 (a) and 2 (b), a cash card is also the same (however, the kind of information represented may differ partially). The card 200 includes an IC chip 210 for recording information in an electric circuit, and a magnetic stripe 220 for recording information using magnetism. The IC chip 210 includes an electric circuit in which information is recorded, and a terminal exposed on one side of the card 200. Alternatively, the IC chip 210 may be non-contact type not exposed on one side of the card 200. The card reader 101 reads information from the electric circuit of the IC chip 210 by contacting the exposed terminal of the IC chip 210 or communicating with the antenna of the non-contact IC chip. The magnetic stripe 220 is a magnetic body formed in a band shape on one surface of the card 200, and records information by a change in magnetism of the magnetic body. The card reader 101 reads information from the magnetic material of the magnetic stripe 220 by contacting the magnetic stripe 220 with a magnetic head.

  At least one of the IC chip 210 and the magnetic stripe 220 may be provided on the card 200. The IC chip 210 and the magnetic stripe 220 may be provided on either of the upper surface 201 and the lower surface 202 of the card 200, respectively.

  Information necessary for the transaction (card information) is recorded on at least one of the IC chip 210 and the magnetic stripe 220 on the card 200 in a manner readable by the transaction apparatus 100. The card information is, for example, a user's account number, name, expiration date, etc., and is selectively recorded according to the type of transaction performed using the card 200. Further, at least one of the IC chip 210 and the magnetic stripe 220 may include personal information such as an address and a telephone number, and authentication information such as a personal identification number and a vein pattern (biometric information). On the lower surface 202 of the card 200, a signature 230 by the user is described.

  Various pieces of information are represented on the upper surface 201 and the lower surface 202 of the card 200 in a manner readable to the user or the store clerk. Information represented on the surface of the card 200 is referred to as ticket surface information of the card 200. The user and the store clerk can know various information about the card 200 by referring to the face information. Exemplary ticket surface information will be described using FIGS. 2 (a) and 2 (b). As ticket surface information, for example, an issuing company 241, a brand 242, a card number 243, a user name 244, an expiration date 245, a hologram 246, a security code 247, and a photograph 248 are described on the upper surface 201 or lower surface 202 of the card 200. Each piece of information included in the ticket surface information may be represented on either of the upper surface 201 and the lower surface 202.

  The issuing company 241 is a character string or a graphic (logo) indicating the company that issued the card 200. When a plurality of types of cards are issued by the same company, the name of the card type may be used instead of the issuing company 241. The brand 242 is, for example, a character string or a graphic (logo) indicating an international payment service supported by a credit card, a bank supported by a cash card, and the like. The card number 243 is a character string indicating the number associated with the user, such as a cash card account number (including bank number, branch number, and subject), credit card member number, other card identification number, personal number, etc. is there. The user name 244 is a character string indicating the name of the user. The expiration date 245 is a character string indicating the expiration date of the card 200. The expiration date 245 is expressed in a shortened form, such as “MM / YY” (MM: two-digit month, YY: two-digit year).

  The hologram 246 is a predetermined hologram defined for each brand 242. Printing of the hologram 246 requires advanced technology, which makes it difficult to copy the card 200. The security code 247 is a character string indicating a number additionally used in addition to the card number 243. By using the security code 247 in combination with the card number 243 at the time of transaction, it is possible to prevent the card number 243 from being directly or electronically acquired and used by a third party.

  The photograph of the user 248 is a photograph of the user (mainly the face). A photograph 248 is one of information related to the appearance of the user. Identity verification can be performed by comparing the photograph 248 on the card 200 with the user of the card 200. As the face information, instead of or in addition to the photograph 248, any information related to the appearance of the user, such as the feature amount of the user's face, may be displayed on the card 200.

  The ticket surface information shown in FIGS. 2A and 2B is an example, and part of these may be represented as the ticket surface information, or other information may be represented.

  Conventionally, the ticket surface information is exclusively referred to by the user and the store clerk, and generally, the ticket surface information has not been used by a transaction apparatus such as an ATM, a CD or a POS terminal. On the other hand, the transaction apparatus 100 which concerns on this embodiment determines the decision | availability of the transaction by the card 200 using ticket surface information.

  FIG. 3 is a schematic configuration diagram of the transaction apparatus 100 and the transaction server 300 according to the present embodiment. The transaction apparatus 100 includes a CPU 106 (Central Processing Unit), a memory 107, a storage device 108, an interface 109, and the card reader 101, the display 102, the input device 103, the deposit / withdrawal device 104, and the camera 105 described above. Equipped with Each unit included in the transaction apparatus 100 is electrically connected by a data bus.

  The interface 109 is a communication unit that transmits and receives data, and is configured to be able to execute at least one of a wired communication method and a wireless communication method. The interface 109 includes a processor, an electric circuit, an antenna, connection terminals, and the like necessary for the communication method. The interface 109 performs communication via the network 500 using the communication method in accordance with a signal from the CPU 106.

  The storage device 108 stores programs executed by the transaction apparatus 100, data of processing results by the programs, and the like. The storage device 108 includes a read only memory (ROM), a readable / writable hard disk drive or a flash memory, and the like. The storage device 108 may also include a computer readable portable storage medium such as a CD-ROM. The memory 107 includes, for example, a RAM (Random Access Memory) for temporarily storing data being processed by the CPU 106 and data read from the storage device 108.

  The CPU 106 temporarily stores temporary data used for processing in the memory 107, reads a program stored in the storage device 108, and performs various operations, controls, determinations, etc. on the temporary data according to the program. Is a processor that executes the processing operation of Further, the CPU 106 records the data of the processing result in the storage device 108, and transmits the data of the processing result to the outside through the interface 109.

  In the present embodiment, the card reader 101 includes a scanner 101a, an IC reader 101b, and a magnetic reader 101c. The scanner 101 a is an imaging device that acquires image data of the card 200 by imaging the surface of the card 200. The scanner 101a includes an arbitrary imaging element for performing imaging such as a CCD sensor, a CMOS sensor, and the like. The scanner 101a is preferably an area scanner that captures an area of one surface of the card 200 at one time to reduce distortion of image data, but it may be a line scanner that captures a linear area repeatedly. In order to image both the upper surface 201 and the lower surface 202 of the card 200, it is desirable that at least two scanners 101a for imaging the upper surface 201 and at least two scanners 101a for imaging the lower surface 202 are provided. The CPU 106 analyzes the image data captured by the scanner 101 a to extract the ticket surface information from the image data.

  The IC reader 101b reads the contents of the IC chip 210 by contacting the exposed IC chip 210 of the card 200 to drive an electric circuit or by communicating with the antenna of the non-contact IC chip. Data stored in the IC chip 210 is extracted by the CPU 106 performing predetermined processing on the contents read by the IC reader 101b. The magnetic reader 101 c reads the contents of the magnetic stripe 220 by bringing the magnetic head into contact with the magnetic stripe 220 of the card 200 to detect a magnetic change. The data recorded on the magnetic stripe 220 is extracted by the CPU 106 performing predetermined processing on the content read by the magnetic reader 101 c. A known method may be used as a method of reading the IC chip 210 and the magnetic stripe 220.

  The transaction server 300 includes a CPU 306, a memory 307, a storage device 308, and an interface 309. Each unit included in transaction server 300 is electrically connected by a data bus. The configurations of the CPU 306, the memory 307, the storage device 308, and the interface 309 are similar to the CPU 106, the memory 107, the storage device 108, and the interface 109 of the transaction apparatus 100.

  FIG. 4 is a block diagram of the transaction apparatus 100 and the transaction server 300 according to the present embodiment. In FIG. 4, arrows indicate the flow of main data, and there may be flows of data other than those shown in FIG. In FIG. 4, each block is not a hardware (apparatus) -based configuration but a function-based configuration. As such, the blocks shown in FIG. 4 may be implemented in a single device or may be implemented separately in multiple devices. Transfer of data between the blocks may be performed via any means such as a data bus, a network, a portable storage medium, and the like.

  The transaction apparatus 100 includes a ticket surface information acquisition unit 110, a user imaging unit 120, a card information acquisition unit 130, a transaction availability determination unit 140, a transaction execution unit 150, and a transaction result output unit 160. The transaction server 300 includes a transaction execution unit 350.

  The face information acquisition unit 110 controls the scanner 101 a to image the surface of the card 200. Then, the ticket surface information acquisition unit 110 acquires ticket surface information from the image data of the card 200 captured by the scanner 101a. Specifically, the ticket surface information acquisition unit 110 performs optical character recognition (OCR) processing on the image data to obtain ticket surface information (card number 243, user name 244, expiration date 245, security code) of the character string. 247 etc.). Known techniques are used as the OCR processing. Further, the ticket surface information acquisition unit 110 acquires ticket surface information (issue company 241, brand 242, hologram 246, etc.) of a figure (logo) by performing image recognition processing such as pattern matching on the image data. Known techniques are used as the image recognition process. In particular, in reading the hologram 246, the images of the hologram 246 are acquired from a plurality of angles by changing the orientation of the scanner 101a or using the scanners 101a of a plurality of different orientations, and the obtained images are obtained. Image recognition processing may be performed. Alternatively, the hologram 246 may be irradiated with laser light for reading. Thereby, even if it is the hologram 246 which imaging is difficult, it can be used for determination of the decision | availability of transaction as ticket surface information.

  Further, the ticket surface information acquisition unit 110 acquires an area of a predetermined position (coordinates) on the card 200 as ticket surface information (photograph 248) of a photo. The position of the picture 248 may be previously recorded in the transaction apparatus 100 or may be determined on the card 200 with reference to a mark indicating the position of the picture 248. Alternatively, the ticket face information acquisition unit 110 specifies an area (for example, a rectangular area) including a face or a person recognized by analyzing the image data, and determines the position of the specified area on the card 200 in the photograph 248. It may be acquired as a position. Further, the ticket surface information acquisition unit 110 acquires the size of the card 200 as ticket surface information from the image data of the card 200.

  In order to obtain the ticket surface information from the image data of the card 200, an arbitrary method is used without being limited to the one shown here. Such processing acquires ticket surface information such as the size of the issuing company 241, the brand 242, the card number 243, the user name 244, the expiration date 245, the hologram 246, the security code 247, the photograph 248, and the card 200 described above. Be done.

  The user imaging unit 120 controls the camera 105 to capture an area including the face of the user. Then, the user imaging unit 120 acquires image data captured by the camera 105.

  The card information acquisition unit 130 acquires card information (that is, information necessary for a transaction) including magnetic information recorded by magnetism of the magnetic stripe 220 and IC information recorded by the IC chip 210. First, the card information acquisition unit 130 controls the magnetic reader 101 c to read the contents of the magnetic stripe 220. Then, the card information acquisition unit 130 restores the data recorded in the magnetic stripe 220 from the content read by the magnetic reader 101 c, and acquires the data as magnetic information. The magnetic information includes, for example, a card number (usually the same as the card number 243 of the ticket information), a user name (usually the same as the user name 244 of the ticket information), and an expiration date (usually the expiration date 245 of the ticket information). Same). The magnetic information may also include information indicating that the IC chip 210 is mounted on the card 200. For example, when the magnetic information indicates that the IC chip 210 is mounted, the card information acquisition unit 130 acquires the IC information. Otherwise, the card information acquisition unit 130 does not acquire the IC information. The magnetic information is not limited to the information shown here, but may include any other information.

  Next, the card information acquisition unit 130 controls the IC reader 101b to read the content of the IC chip 210. Then, the card information acquisition unit 130 restores the data recorded in the IC chip 210 from the content read by the IC reader 101b, and acquires the data as IC information. The IC information includes, for example, a card number (usually the same as the card number 243 of the ticket information), a user name (usually the same as the user name 244 of the ticket information), and an expiration date (usually the expiration date 245 of the ticket information). Same). The IC information may also include authentication information such as a personal identification number or a vein pattern (biometric information). The IC information is not limited to the information shown here, and may include other arbitrary information.

  The transaction availability determination unit 140 determines availability of the transaction based on at least one of the ticket surface information acquired by the ticket surface information acquisition unit 110 and the magnetic information and IC information acquired by the card information acquisition unit 130. Specifically, first, the transaction availability determination unit 140 extracts information (account number, name, expiration date, etc.) necessary for the transaction from at least one of the magnetic information and the IC information. Next, the transaction availability determination unit 140 extracts information necessary for the transaction from the ticket surface information. Then, the transaction availability determination unit 140 compares the information necessary for the transaction extracted from at least one of the magnetic information and the IC information with the information necessary for the transaction extracted from the ticket surface information. The object to be compared may be all or part of the information necessary for the transaction.

  The information included in the magnetic information and the IC information and the information included in the ticket surface information may be directly compared, or may be compared after a predetermined conversion is performed on the information. For example, among the ticket information, the issuing company 241 (in the case of a character string), the brand 242 (in the case of a character string), the card number 243, the user name 244, the expiration date 245 and the security code 247 are included in the magnetic information and IC information. Are directly compared to the On the other hand, of the ticket surface information, the issuing company 241 (in the case of a graphic), the brand 242 (in the case of a graphic), and the hologram 246 are converted into character strings according to predetermined rules, and then information included in magnetic information and IC information Be compared. That is, the graphics (logos) indicating the issuing company 241 and the brand 242 are converted into the names of the issuing company and the brand that are previously associated with them. Also, since the hologram 246 generally differs from brand to brand, it is converted to the name of the brand associated with it.

  The transaction availability determination unit 140 determines that the transaction is possible when the information necessary for the transaction extracted from at least one of the magnetic information and the IC information matches the information necessary for the transaction extracted from the ticket surface information. If the two do not match, it is determined that the transaction is impossible. Also, the transaction availability determination unit 140 determines that the transaction is not possible even when the ticket surface information acquisition unit 110 can not acquire the ticket surface information from the card 200. The transaction availability determination unit 140 passes the determination result to the transaction execution unit 150 or the transaction result output unit 160.

  Furthermore, the transaction availability determination unit 140 compares the image data of the area including the face of the user acquired by the user imaging unit 120 with the photograph 248 of the ticket surface information (that is, the information regarding the appearance of the user). The transaction availability determination unit 140 determines that a transaction is possible when the person in the image data acquired by the user imaging unit 120 matches the person in the photograph 248 of the ticket surface information, and does not match. Determine that the transaction is not possible. Further, when the ticket face information includes the feature amount of the user's face as the information regarding the appearance of the user, the feature amount and the feature amount acquired from the image data acquired by the user imaging unit 120 The availability of the transaction may be determined by comparing. Known face recognition techniques are used to compare persons based on image data. The comparison of persons by the transaction availability determination unit 140 may be omitted.

  Furthermore, the transaction availability determination unit 140 confirms whether the size of the card 200 included in the ticket surface information is a predetermined size. For example, it is conceivable that the size of the card 200 is determined for each issuing company 241. In this case, the transaction availability determination unit 140 compares the size of the card 200 included in the ticket surface information with the size previously associated with the issuing company 241, and determines that the transaction is possible if they match. If it does not match, it is determined that the transaction is impossible.

  When it is determined by the transaction availability determination unit 140 that the transaction is possible, the transaction execution unit 150 cooperates with the transaction execution unit 350 of the transaction server 300 to acquire the magnetic information and the IC information acquired by the card information acquisition unit 130. Execute a predetermined transaction using at least one of them. Specifically, the transaction execution unit 150 receives an instruction from the user indicating the type of transaction (payment on a bank account, payment on a loan account, payment of goods, etc.) via the input device 103, The instruction is transmitted to the transaction execution unit 350 of the transaction server 300 along with at least one of the magnetic information and the IC information. In accordance with the instruction, the transaction execution unit 350 records a transaction in the transaction information storage device 400 using at least one of the magnetic information and the IC information. The record of the transaction is, for example, addition or subtraction of money on an account associated with at least one of the magnetic information and the IC information on the transaction information storage device 400. After the transaction is completed, the transaction execution unit 350 transmits information indicating the success of the transaction to the transaction execution unit 150 of the transaction apparatus 100. If the transaction fails due to a shortage of the account balance or the like, the transaction execution unit 350 transmits information indicating the failure of the transaction to the transaction execution unit 150 of the transaction apparatus 100. The transaction execution unit 150 receives the information indicating the success or failure of the transaction from the transaction execution unit 350, and passes it to the transaction result output unit 160 as a result of the transaction.

  When the transaction availability determination unit 140 determines that the transaction is not possible, the transaction result output unit 160 outputs a predetermined message including the effect that the transaction can not be made on the display 102. When the transaction execution unit 150 succeeds or fails the transaction, the transaction result output unit 160 outputs a predetermined message including the success or failure of the transaction on the display 102. Further, the transaction result output unit 160 is not limited to the display on the display 102, and outputs the transaction result by any method such as lighting a lamp, audio output from a speaker, printing from a printer, data recording to a storage device, etc. You may

  The transaction apparatus 100 and the transaction server 300 are not limited to the specific configuration shown in FIG. The transaction device 100 and the transaction server 300 are not limited to one device each, and may be configured by connecting two or more physically separated devices in a wired or wireless manner. Each unit included in transaction apparatus 100 and transaction server 300 may be realized by executing a program, or may be realized by an electric circuit configuration. Here, the electrical circuit configuration is a term that conceptually includes a single device, a plurality of devices, a chipset, or a cloud.

  In addition, at least a part of the transaction apparatus 100 and the transaction server 300 may be provided in the form of Software as a Service (SaaS). That is, at least a part of the functions for realizing the transaction apparatus 100 and the transaction server 300 may be performed by software executed via a network.

  FIG. 5 is a front view of the display 102 according to the present embodiment. As shown in FIG. 5, when the transaction availability determination unit 140 determines that the transaction is not possible, the transaction result output unit 160 displays on the display 102 a message 102a indicating that the transaction can not be made. The message 102 a in FIG. 5 is an example, and is arbitrarily set in advance in the transaction apparatus 100.

  FIG. 6 is a view showing a flowchart of the transaction method according to the present embodiment. The flowchart of FIG. 6 is started, for example, by the user or the store clerk inserting the card 200 into the transaction apparatus 100.

  First, the ticket surface information acquisition unit 110 controls the scanner 101 a to image the upper surface 201 and the lower surface 202 of the card 200. The face information acquisition unit 110 acquires face information from the image data of the card 200 captured by the scanner 101a (step S101).

  Next, the user imaging unit 120 controls the camera 105 to capture an area including the user's face. Then, the user imaging unit 120 acquires image data captured by the camera 105 (step S102).

  Next, the card information acquisition unit 130 controls the magnetic reader 101 c to read the contents of the magnetic stripe 220. Then, the card information acquisition unit 130 restores the data recorded in the magnetic stripe 220 from the content read by the magnetic reader 101c, and acquires the data as magnetic information (step S103).

  Next, the card information acquisition unit 130 controls the IC reader 101b to read the content of the IC chip 210. Then, the card information acquisition unit 130 restores the data recorded in the IC chip 210 from the content read by the IC reader 101b, and acquires the data as IC information (step S104). Step S104 may be performed only when the IC chip 210 is mounted on the card 200 according to the magnetic information acquired in step S103.

  The order of executing steps S101 to S104 may be changed, or at least a part of steps S101 to S104 may be performed in parallel.

  The transaction availability determination unit 140 performs the transaction by comparing the ticket surface information acquired in step S101, the image data captured in step S102, the magnetic information acquired in step S103, and the IC information acquired in step S104. It is determined whether or not (step S105). Specifically, the transaction availability determination unit 140 extracts information necessary for the transaction from at least one of the magnetic information acquired in step S103 and the IC information acquired in step S104. Next, the transaction availability determination unit 140 extracts information necessary for the transaction from the ticket surface information acquired in step S101. Then, the transaction availability determination unit 140 compares the information necessary for the transaction extracted from at least one of the magnetic information and the IC information with the information necessary for the transaction extracted from the ticket surface information.

  Furthermore, the tradeability determination unit 140 compares the person in the image data of the area including the face of the user captured in step S102 with the person in the photograph 248 of the ticket surface information acquired in step S101. The comparison of persons by the tradeability determination unit 140 may be omitted, and in this case, the imaging in step S102 is also omitted.

  In step S105, the information extracted from the face information matches the information extracted from at least one of the magnetic information and the IC information, and the person of the photograph 248 of the face information matches the person in the imaged image data. If the transaction execution unit 150 cooperates with the transaction execution unit 350 of the transaction server 300 (YES in step S106), at least one of the magnetic information acquired in step S103 and the IC information acquired in step S104 The predetermined transaction is executed by using (step S107). The transaction execution unit 350 records information of the executed transaction in the transaction information storage device 400.

  In step S105, the information extracted from the ticket surface information does not match the information extracted from at least one of the magnetic information and the IC information, or the person of the photograph 248 of the ticket surface information matches the person in the imaged image data If not (NO in step S106), step S107 is not performed.

  The transaction result output unit 160 outputs as a transaction result from the display 102 that the transaction in step S107 can not be performed, or that the transaction in step S107 has succeeded or failed (step S108).

  The flowchart of FIG. 6 is an example, and the order and contents of the steps may be changed as appropriate as long as the functions of the present embodiment are not impaired.

  The CPU 106 of the transaction apparatus 100 and the CPU 306 of the transaction server 300 become the subject of each step (process) included in the transaction method shown in FIG. That is, the CPUs 106 and 306 read out the transaction program for executing the transaction method shown in FIG. 6 from the memories 107 and 307 or the storage devices 108 and 308, and execute the program to execute each part of the transaction apparatus 100 and the transaction server 300. By controlling, the trading method shown in FIG. 6 is implemented.

  The transaction apparatus 100 according to the present embodiment determines whether or not the transaction using the card 200 is possible based on the ticket surface information represented on the card 200 in addition to the information recorded on the magnetic stripe 220 or the IC chip 210. With such a configuration, in the transaction using the card 200, more various confirmations can be performed on the information necessary for the transaction, and the security of the transaction can be improved.

Second Embodiment
In the first embodiment, the determination of the transaction availability is performed by the transaction apparatus 100, whereas in the present embodiment, the determination of the transaction availability is performed by the transaction server 300. The other configurations and processes are similar to those of the first embodiment.

  FIG. 7 is a block diagram of the transaction apparatus 100 and the transaction server 300 according to the present embodiment. As a difference from the first embodiment illustrated in FIG. 4, the transaction availability determination unit 140 is omitted from the transaction apparatus 100, and instead, the transaction availability determination unit 340 is provided in the transaction server 300.

  The transaction availability determination unit 340 receives from the transaction apparatus 100 at least one of the ticket surface information acquired by the ticket surface information acquisition unit 110 and the magnetic information and IC information acquired by the card information acquisition unit 130. Then, the transaction availability determination unit 340 uses at least one of the ticket surface information acquired by the ticket surface information acquisition unit 110 and the magnetic information and IC information acquired by the card information acquisition unit 130 in the same manner as the transaction availability determination unit 140. Based on the determination of the availability of the transaction.

  The transaction availability determination unit 340 transmits the determination result to the transaction apparatus 100. Then, the transaction execution unit 150 or the transaction result output unit 160 receives the determination result, and performs the execution of the transaction or the output of the transaction result as in the first embodiment.

  The trading method according to the present embodiment is the same as the flowchart of FIG. However, the difference is that the subject of step S105 (determination of transaction availability) included in the transaction method shown in FIG. 6 is the transaction availability determination unit 340 (the CPU 306 of the transaction server 300).

  As shown in the present embodiment, the determination as to whether or not to make a transaction can be configured to be performed in the transaction server 300 outside the transaction apparatus 100. As a result, even if processing such as image recognition processing or face recognition processing is performed with a large amount of computation in the determination of whether or not to perform trading, for example, the trading server 300 instead of the trading device 100 performs computation. There is no restriction on computational resources.

(Other embodiments)
FIG. 8: is a schematic block diagram of the transaction apparatus 100 which concerns on each above-mentioned embodiment. FIG. 8 shows a configuration example for the transaction apparatus 100 to function as an apparatus that can use the ticket surface information represented on the surface of the card in the transaction using the card. The transaction apparatus 100 is a card surface information acquisition unit 110 for acquiring the ticket surface information represented on the surface of the card, and a card for acquiring card information recorded by at least one of the magnetism of the card and the electric circuit mounted on the card. The information acquisition unit 130 includes a transaction availability determination unit 140 (determination unit) that determines the availability of a transaction using the card information based on the ticket surface information and the card information.

  The present invention is not limited to the above-described embodiment, and can be appropriately modified without departing from the spirit of the present invention.

  A program that causes the configuration of the embodiment to operate to realize the functions of the above-described embodiments (for example, a program that causes the transaction apparatus 100 and the transaction server 300 to execute the processing shown in FIG. A processing method of reading a program recorded on a recording medium as a code and executing the program in a computer is also included in the scope of each embodiment. That is, a computer readable recording medium is also included in the scope of each embodiment. Moreover, the computer program itself is included in each embodiment as well as the recording medium in which the computer program described above is recorded.

  As the recording medium, for example, a floppy (registered trademark) disk, a hard disk, an optical disk, a magneto-optical disk, a CD-ROM, a magnetic tape, a non-volatile memory card, and a ROM can be used. Further, the present invention is not limited to one in which processing is executed by a single program recorded in the recording medium, but one that operates on the OS and executes processing in cooperation with other software and the function of the expansion board. It is included in the category of

  Some or all of the above embodiments may be described as in the following appendices, but is not limited to the following.

(Supplementary Note 1)
A ticket surface information acquisition unit for acquiring ticket surface information represented on the front surface of the card;
A card information acquisition unit for acquiring card information recorded by at least one of the magnet of the card and the electric circuit mounted on the card;
A determination unit that determines the possibility of a transaction using the card information based on the ticket surface information and the card information;
A trading device comprising:

(Supplementary Note 2)
The ticket surface information and the card information indicate at least one of a name of a user of the card, a number associated with the user, an expiration date of the card, an issuing company of the card, and a brand of the card. The trading device according to appendix 1, characterized in that it contains information.

(Supplementary Note 3)
The transaction apparatus according to appendix 1 or 2, wherein the determination unit determines that the transaction is possible when at least a part of the face information and at least a part of the card information match. .

(Supplementary Note 4)
The transaction apparatus according to Appendix 3, wherein the determination unit determines that the transaction is possible when the number included in the ticket surface information matches the number included in the card information.

(Supplementary Note 5)
The transaction apparatus according to any one of appendices 1 to 4, wherein the ticket surface information acquisition unit acquires the ticket surface information from both the upper surface and the lower surface of the card.

(Supplementary Note 6)
It further comprises an imaging unit for capturing a user of the card and acquiring image data,
The ticket information includes information on the appearance of the user,
The transaction apparatus according to any one of appendices 1 to 5, wherein the determination unit determines the availability of the transaction based on the ticket surface information, the card information, and the image data.

(Appendix 7)
The trading device according to any one of appendices 1 to 6, further comprising: a transaction execution unit configured to execute the transaction according to the determination result by the determination unit.

(Supplementary Note 8)
A trading device,
A trading server in communication with the trading device
Equipped with
The transaction apparatus acquires card information acquiring at least one of a ticket surface information acquiring unit for acquiring ticket surface information represented on the surface of a card, and a magnet of the card and an electric circuit mounted on the card. And an acquisition unit,
The transaction system is characterized in that the transaction server has a determination unit that determines whether or not a transaction using the card information is possible based on the ticket surface information and the card information.

(Appendix 9)
Obtaining the ticket surface information represented on the surface of the card;
Obtaining card information recorded by at least one of the magnet of the card and the electric circuit mounted on the card;
Determining the propriety of a transaction using the card information based on the ticket surface information and the card information;
Having a trading method.

(Supplementary Note 10)
On the computer
Obtaining the ticket surface information represented on the surface of the card;
Obtaining card information recorded by at least one of the magnet of the card and the electric circuit mounted on the card;
Determining the propriety of a transaction using the card information based on the ticket surface information and the card information;
A trading program that makes you run.

DESCRIPTION OF SYMBOLS 1 Trading system 100 Trading device 110 Ticket surface information acquisition part 120 User imaging part 130 Card information acquisition part 140, 340 Transaction executability judgment part 150, 350 Transaction execution part 300 Transaction server

Claims (10)

A ticket surface information acquisition unit for acquiring ticket surface information represented on the front surface of the card;
A card information acquisition unit for acquiring card information recorded by at least one of the magnet of the card and the electric circuit mounted on the card;
A determination unit that determines the possibility of a transaction using the card information based on the ticket surface information and the card information;
A trading device comprising:   The ticket surface information and the card information indicate at least one of a name of a user of the card, a number associated with the user, an expiration date of the card, an issuing company of the card, and a brand of the card. The transaction apparatus according to claim 1, comprising information.   The transaction according to claim 1 or 2, wherein the determination unit determines that the transaction is possible when at least a portion of the face information and at least a portion of the card information match. apparatus.   The transaction apparatus according to claim 3, wherein the determination unit determines that the transaction is possible when the number included in the ticket surface information matches the number included in the card information.   The transaction apparatus according to any one of claims 1 to 4, wherein the ticket surface information acquisition unit acquires the ticket surface information from both the upper surface and the lower surface of the card. It further comprises an imaging unit for capturing a user of the card and acquiring image data,
The ticket information includes information on the appearance of the user,
The said determination part determines the decision | availability of the said transaction based on the said ticket surface information, the said card information, and the said image data, The transaction apparatus as described in any one of Claims 1-5 characterized by the above-mentioned.   The transaction apparatus according to any one of claims 1 to 6, further comprising: a transaction execution unit that executes the transaction according to the determination result by the determination unit. A trading device,
A trading server in communication with the trading device
Equipped with
The transaction apparatus acquires card information acquiring at least one of a ticket surface information acquiring unit for acquiring ticket surface information represented on the surface of a card, and a magnet of the card and an electric circuit mounted on the card. And an acquisition unit,
The transaction system is characterized in that the transaction server has a determination unit that determines whether or not a transaction using the card information is possible based on the ticket surface information and the card information. Obtaining the ticket surface information represented on the surface of the card;
Obtaining card information recorded by at least one of the magnet of the card and the electric circuit mounted on the card;
Determining the propriety of a transaction using the card information based on the ticket surface information and the card information;
Having a trading method. On the computer
Obtaining the ticket surface information represented on the surface of the card;
Obtaining card information recorded by at least one of the magnet of the card and the electric circuit mounted on the card;
Determining the propriety of a transaction using the card information based on the ticket surface information and the card information;
A trading program that makes you run.

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