JPH1040323A - Electronic payment system with cash register - Google Patents

Abstract

(57) [Summary] (Modified) [Problem] To perform electronic payment using an IC card and a cash register. SOLUTION: The cash register 10 is an IC card 1 IC.
Read the basic data 3 and the camouflage data 4 in the memory 2;
Encrypting / decrypting means 20 for decrypting forged data 4, information comparing and verifying means 21 for comparing and verifying the authenticity of basic data 3 and forged data 4 of IC memory 2, and the verification results obtained by this comparing and verifying means are correct. For example, based on the basic data 3 in the IC memory 2 of the IC card 1, the balance calculating means 22 for subtracting the purchase amount of the product through the keyboard control means 23, and the new balance calculated by the balance calculating means 22 is used as the amount. A display control means 25 for displaying on the display 26 is provided, and the balance data newly calculated by the balance calculation means 22 is written into the IC memory 2 of the IC card 1 using at least one encryption key.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an electronic settlement system using a cash register. The present invention is particularly used in connection with a cash register installed in a payment passage of a store such as a supermarket or a store.

[0002]

2. Description of the Related Art Conventionally, an example of a cash register installed in a payment passage of a store such as a supermarket or a store is disclosed in Japanese Unexamined Patent Publication No.
It is described in 195566. The cash register of this embodiment includes a card reader, a keyboard, a printer for receipt, an FDD unit, a display, and the like.

[0003] In recent years, when a consumer (customer) previously purchased a prepaid card from a card issuer, and the customer wishes to pay for the purchased product by using a prepaid card, The clerk receives the prepaid card from the customer, sets the prepaid card in the card set section of the cash register, and pays for the purchase of the product.

When the prepaid card is set in the card set unit, the balance of the prepaid card is read by the card reader / writer for the prepaid card provided with the cash register, and the price of the purchased product is displayed on the keyboard of the cash register. , The deducted new balance is printed (recorded) on the prepaid card.

However, in such a prepaid card payment system using the printing method, there is a problem that a clerk cannot confirm at all whether or not the owner of the prepaid card is the person himself. Was.

Therefore, in order to solve the above-mentioned drawbacks, card issuers such as card companies and banks use IC cards,
In addition, there is a demand for an electronic payment system using a cash register that allows electronic payment using the cash register.

[0007]

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned demands in recent years, and a first object of the present invention is to provide an IC card in which the memory of an IC card cannot be easily altered (the amount cannot be rewritten).
It is an object of the present invention to provide an electronic payment system using a cash register which can make an electronic payment using a card and a cash register installed in a store.

[0008] A second object is that a clerk can easily confirm the validity of a memory of an IC card when making an electronic payment so that the store is not damaged.

A third object is that a purchaser of an IC card can check the balance of the IC card at any time when desired.

A fourth object is that an IC card can be easily issued by a card issuing machine.

[0011] A fifth object of the present invention is to provide a card issuer with a secure and secure electronic payment system in a case where the electronic payment system is brought online.

A sixth object of the present invention is to make it possible to make an electronic settlement quickly and easily and to eliminate the enormous storage capacity of a storage device of a cash register installed in a store.

[0013]

An electronic payment system using a cash register according to the present invention is provided with an IC memory 2 in which fake data 4 is stored.
And a cash register 10 installed in the store, and the camouflage data is stored in the store 5
The basic data 3 containing information for the side is encrypted by using at least one encryption key,
Further, the cash registering machine 10 has a CPU 14, and this CP
U14 has a ROM 15, an IC card reader control means 1
8. Encrypting / decrypting means 20, I for reading and decrypting the basic data 3 and the forged data 4 in the IC memory 2 of the IC card 1 using at least one encryption key.
A means 21 for comparing and verifying the authenticity of the basic data 3 in the C memory 2 based on the basic data 3 in the IC memory 2 of the IC card 1 if the result of the verification by the comparing and verifying means is correct. Balance calculating means 22 for subtracting the purchase price of the product through the keyboard control means 23, a display control means 25 for displaying the new balance calculated by the balance calculating means 22 on the money amount display 26, the balance calculation Means 22
IC data writing means 27 for writing the newly calculated balance data into IC memory 2 of IC card 1 using at least one encryption key, and receipt printer 29
The printer control means 28 is electrically connected to each other.

In the above configuration, the camouflaged data is I
The first encryption key K1 and the second encryption key K include at least a part of basic data 3 including information 1 for the C card purchaser 6 and information 2 for the store 5 side.
The encryption / decryption means 20 which is encrypted by using the second encryption key 2 and decrypts the forged data 4 decrypts the IC memory 2 of the IC card 1 using the second encryption key K. The IC data writing means 27 locks the IC memory 2 of the IC card 1 by encryption using the first encryption key K1 and the second encryption key K2. The electronic payment system using the cash register of the present invention comprises a wireless portable IC card 1A in which fake data is stored in the IC memory 2 and has an antenna 60, and a cash register 10 installed in a store. The spoofed data is encrypted by using at least one encryption key with respect to the basic data 3 including information for the store 5 side.
Has a CPU 14, which has a ROM 1
5, the RAM 16, the information communication device 50, and the IC card 1 of the IC card 1 obtained by communication using at least one encryption key.
Read the basic data 3 and the camouflage data of the C memory 2,
In addition, the encryption / decryption means 20 for decrypting, the information comparison / verification means 21 for comparing and verifying the authenticity of the basic data 3 in the IC memory 2, and if the verification result by the comparison / verification means is correct, the IC card 1 Basic data 3 of IC memory 2
The balance calculating means 22 for subtracting the purchase amount of the product via the keyboard control means 23 based on the above, the display control means 25 for displaying the new balance calculated by the balance calculating means 22 on the money amount display 26, IC data writing means 27 for writing the balance data newly calculated by the balance calculation means 22 into the IC memory 2 of the IC card 1 using at least one encryption key, and printer control means 28 connected to the receipt printer 29. Each of them is electrically connected.

The electronic payment system using the cash register according to the present invention includes a portable IC card in which forgery data is stored in the IC memory 2A and a cash register 10 installed in a store.
A and an IC card issuing machine 70, wherein the camouflaged data is encrypted by using at least one encryption key with respect to the basic data 3 including information for the store 5, and the cash registering machine is used. 10A has a CPU 14, which has a ROM 15, a RAM 16,
Encryption / decryption means for reading and decrypting the basic data 3 and the forged data 4 in the IC memory 2 of the IC card 1 using the IC card reader control means 18 or the information communication device and at least one encryption key. 20, information comparing and verifying means 21 for comparing and verifying the authenticity of the basic data 3 of the IC memory 2A, and if the verification result by the comparing and verifying means is correct, the basic data 3 of the IC memory 2 of the IC card 1 Balance calculating means 22 for subtracting the purchase price of the product via the keyboard control means 23 based on the
Display control means 25 for displaying the new balance calculated in step 2 on the money amount display 26, and the balance data newly calculated in the balance calculation means 22 in the IC memory 2 of the IC card 1.
IC writing to at least one encryption key
The data writing means 27 and the printer control means 28 connected to the receipt printer 29 are electrically connected to each other.

Further, the electronic settlement system using the cash register according to the present invention includes a portable IC card 1B in which forgery data is stored in an IC memory 2B, a cash register 10B installed in a store, and a cash register 10B. First communication line 72B
And an IC card issuing machine 70B connected via
It comprises a host computer 96 connected to a C card issuing machine 70B via a second communication line 95, wherein the camouflage data includes at least one piece of basic data 3 including information for a store and information for a card issuer. The cash register 10B is encrypted by using an encryption key. The cash register 10B has a CPU 14, which includes a ROM 15, a RAM 16, an IC card reader control means 18 or an information communication device, and at least one encryption key. The encryption / decryption means 20 for reading and decrypting the basic data 3 and the forgery data 4 of the IC memory 2B of the IC card 1B using the key, and comparing and verifying the authenticity of the basic data 3 of the IC memory 2B. The comparison and verification means 21 of the information to be verified, and if the verification result by the comparison and verification means is correct, the IC A balance calculating means 22 for subtracting the purchase price of a product via the keyboard control means 23 based on the basic data 3 of the file 2B, and a new balance calculated by the balance calculating means 22 is displayed on the money amount display 26. A display control unit 25, an IC data writing unit 27 that writes the balance data newly calculated by the balance calculation unit 22 into the IC memory 2B of the IC card 1B using at least one encryption key, a receipt printer 29, The printer control means to be connected is electrically connected to each other.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention shown in the drawings will be described with reference to an electronic payment system using a cash register installed in a payment passage of a store such as a supermarket or a store.

FIGS. 1 to 7 show a first embodiment of the present invention. FIG. 1 is a schematic diagram showing an example of an electronic payment system using a cash registering machine 10. FIG. 2 shows a contact type portable IC card 1. Reference numeral 2 denotes an IC memory of the portable IC card. The IC memory 2 stores two types of data. That is, 3 is the amount at the time of issuance (initial balance), personal name, date of birth, age, gender, issuance location, issuance date, expiration date, usable place, IC card dealer, bank name, branch , Bank account, account holder, etc. All or some desired data of the basic data 3 may be encrypted.
In the embodiment, in the basic data, data relating to the amount is not encrypted.

Reference numeral 4 denotes other data to be encrypted. This other data is referred to herein as “spoofed data”. The basic data 3 is raw data as described above, but is also data to be encrypted. Thus, in this embodiment, the forged data 4 includes all or a part of the listed basic data 3 and is encrypted using at least one encryption key. This camouflage data 4
Has a mathematical relationship with the basic data 3, for example. Here, the “data having a mathematical relationship” means that a plurality of pieces of information in the basic data are arbitrarily selected in a jump,
It refers to specific related information that mathematically relates the selected information.

In the present embodiment, the encryption keys are classified into three types from the viewpoints of prevention of decryption and provision of minimum necessary stepwise information. That is, as shown in FIG. 3, the first encryption key K1 is a key of the information 1 for the card holder who normally owns or occupies the IC card 1. It is the balance.
The second encryption key K2 is a key of information 2 for the store that handles the IC card 1, and this information 2 is based on the appearance principle of the card holder, and objectively determines whether or not the store is the principal. In order to confirm, including the above information 1, personal name, date of birth, age, gender, place of issue, date of issue, expiration date,
It is a usable place. Further, the third encryption key K3 is a key of the information 3 for the issuer of the IC card 1,
The information 3 includes the information 1 and the information 2 and an IC
IC card dealers, bank names, branches, bank accounts, account holders, etc., which only the card issuer needs to know in particular.

When setting the camouflage data 4, it is needless to say that all the basic information for the card holder, the dealer, and the card issuer can be shoved (encrypted) using the same encryption key. It is possible, but desirably, the user should use a plurality of different encryption keys as in this embodiment. However, when two or three types of keys are used for setting, the basic data 3 is set to the whole or at least a necessary part of the data listed in the information 1 to the information 3 or the mathematical relationship. Certain data is locked using at least different first and second encryption keys K1 and K2.

Next, FIG. 4 shows a cash register 10 installed in a payment passage of a store 5 such as a supermarket or a store. The cash register 10 includes a device support base 11 and a cash register main unit 12 arranged on the upper surface of the device support base 11. Note that 13
Is a clerk, who operates the cash registering machine 10.

FIG. 5 is a block diagram showing the electrical configuration of the cash register machine main body 12. The cash register machine main body 12 has a CPU (Central Processing Unit) 14 constituting a control section main body. The CPU 14 is electrically connected to circuits or means of each unit constituting an electric circuit via bus lines such as an address bus and a data bus.

That is, reference numeral 15 denotes a ROM in which program data (fixed data) for the CPU 14 to control each section control means is previously stored (stored). 1
Reference numeral 6 denotes a RAM in which a memory area for the CPU 14 to temporarily store data from the IC card 1 irrespective of contact or non-contact is formed.

Reference numeral 17 denotes a communication interface for controlling data communication with an IC card issuing machine or a host computer (not shown in this embodiment) connected to the card issuing machine via a communication line.

Reference numeral 18 denotes an IC card reader control means which is connected to the IC card reader 19 and takes in the CPU 14 the card information of the IC memory 2 read by the IC card reader.

Reference numeral 20 denotes an encryption / decryption means.
The decryption means 20 reads the basic data 3 and the forgery data 4 of the IC memory 2 of the IC card 1 and decrypts the forgery data 4 using at least the second encryption key K2 described above.

Numeral 21 denotes a means for comparing and verifying information for comparing and verifying the authenticity of the basic data 3 and the camouflage data 4 of the IC memory 2. In this embodiment, the comparing and verifying means 21 compares the information stored in advance in the ROM 15 with the IC card 1.
The card information of the IC memory 2 has a specific relationship (for example, whether or not the relationship is mathematically correct). That is, the comparison / verification unit 21 determines whether the impersonation data 4 in the IC memory 2 of the IC card 1 has at least the amount of the basic data 3 in the same condition (specific relation) as the information stored in the ROM 15 in advance. Check whether or not.

Reference numeral 22 denotes a balance calculating means. If the verification result by the comparing and verifying means 21 is correct, the balance calculating means 22 logically calculates the purchase price of the product based on the basic data 3 in the IC memory 2 of the IC card 1. Subtract by method. Reference numeral 23 denotes a keyboard control means for taking the purchase amount into the CPU 14 of the cash register machine main body 12.
A keyboard 24 operated by the clerk 13 is connected to 3.

Reference numeral 25 denotes the basic data 3 (the amount at the time of presentation) in the IC memory 2 of the IC card 1 and the new balance calculated by the balance calculation means 22 in the CPU 1 of the cash register main body 12.
The display control means 25 is connected to the display control means 25. The display control means 25 is connected to a display 26 for money and a small liquid crystal display 26a for exclusive use of a clerk.

Reference numeral 27 denotes IC data writing means. The IC data writing means 27 writes the balance data newly calculated by the balance calculation means 22 to the IC memory 2 of the IC card 1. In this case, the IC data writing means 27
In the area of the basic data 3 of the IC memory 2, a new amount not to be encrypted is stored.
Using the first and second encryption keys K1 and K2, data obtained by encrypting the new amount is written in the area. The new data written in the camouflage data 4 is:
Encryption / decryption means 20 using second encryption key K2
Can decrypt the information 1 and the information 2 and can decrypt only the information 1 with a personal reader using a first encryption key K1 described later.

Reference numeral 28 denotes a printer control unit connected to a receipt printer 29 for printing a new balance, a store name, a date, individual product names, and the like displayed on the display 26.

Reference numeral 30 denotes an IC card insertion port provided in the cash register body 12. This IC card slot 30 is provided when the cash register main body 12 is provided with an information communication device described later in the embodiment, while the IC card 1 is a non-contact type (wireless system) having a receiving unit, a transmitting unit, and the like. Is not always necessary.

FIGS. 6 and 7 are explanatory views of the portable personal data reading device 40. FIG. FIG. 6 is a perspective view showing an example of the external appearance of the case-shaped data reading device 40, and FIG. 7 is a block diagram showing the electrical configuration of the personal data reading device 40.

The personal data reading device 40 uses the above-described first encryption key K1 to encrypt a part of the basic data of the IC card 1 (especially when the balance of the basic data is also encrypted). ) Is read and the balance is displayed to the holder of the IC card 1.

Reference numeral 41 denotes a control device of the personal data reading device 40. Necessary means are electrically connected to the control device 41 similarly to the case of the cash registering machine main body 12. That is, reference numeral 42 denotes a personal IC card reader provided for the card insertion slot 43. The personal IC card reader 42 has an IC for taking card information into the control device 41.
Card reader control means 44 is connected.

Reference numeral 45 denotes IC memory reading means for reading the IC memory 2 of the IC card 1. The IC memory reading means 45 uses the first encryption key K1 to read the basic data 3 and the forged data of the IC card 1. 4. Read the specific association with 4. Even if the IC memory reading means 45 has no specific relation between the basic data 3 and the forged data 4, if the balance of the basic data 3 is displayed on the display 46 as it is, the first encryption key is used. K1 is not required.

Reference numeral 46 denotes display control means for displaying the display data (balance) read by the IC memory reading means on the liquid crystal display 47. Reference numeral 48 denotes a solar cell as an example of a power supply.

In the above configuration, first, an IC (not shown)
The IC card 1 is issued by the card issuing machine. The IC card issuing machine is managed by a card issuer or a person who has an economic, capital, or personal relationship with the card issuer. At the time of issuance of the IC card 1, the basic data 3 and the camouflage data 4 are already stored in the IC memory 2.
Therefore, the IC card purchaser 6 desirably purchases the personal data reader 40 regardless of whether it is charged or not when the IC card 1 is first transferred.

Next, the IC card purchaser 6 presents the IC card 1 to the clerk 13 when he / she wants to pay with the IC card 1 possessed by b after purchasing goods at the store 5 such as a supermarket or a store. Then, the clerk 13 inserts the IC card 1 into the insertion port 30 of the cash registering machine 10. Then, the cash register body 12 reads the memory 2 of the IC card 1.
In this case, the encryption / decryption means 20 uses the second encryption key K
2, the basic data 3 and the camouflage data 4 of the IC card 1 are read, and the camouflage data 4 is decrypted. Then, the authenticity of the decrypted data is examined by the information comparison and verification means 21. In this case, the information 2 decrypted by the second encryption key K2 is immediately printed on the receipt printer 29 via the printer control means 28, for example. In this case, the decrypted information 2 is also displayed on the clerk-dedicated liquid crystal display 26a separately provided in the cash register main body 12. Clerk 1
If the user 3 has any doubt about the display contents appearing on the clerk-only liquid crystal display section 26a, he / she can confirm "whether or not he / she is the person" based on the information 2.

Therefore, if the verification result by the comparison verification means 21 is correct, the basic data (only the balance) 3
Is displayed on the amount indicator 26. Clerk or / and IC
The card holder 6 can visually confirm the balance before subtraction. The clerk 13 operates the keyboard 24 of the cash register 10 if there is no problem with the display balance of the information 1, the personal name of the information 2, the expiration date of the card, and the like.

Then, the balance calculating means 22 presupposes that the verification result by the comparison verification means 21 is valid,
The purchase price of the product is deducted based on the basic data 3 in the IC memory 2 of the C card 1.

Next, the IC data writing means 27 writes the balance data newly calculated by the balance calculation means 22 to the IC memory 2 of the IC card 1. In this case, the IC data writing means 27 stores the new unencrypted amount in the area of the basic data 3 of the IC memory 2, while the first encryption key K 1 is stored in the area of the forgery data 4 of the IC memory 2.
And writes the encrypted data of the new amount.

After that, the IC card 1 is returned from the store clerk 13 to the product purchaser, and the printer 2 including the store name, date, and individual product names, including the new balance displayed on the display 26.
9 and the receipt is handed to the purchaser.

On the other hand, the IC card purchaser 6 confirms the basic data in the IC memory 2 of the IC card 1 with the personal data reader 40 before or after purchasing the product at the store 5 when desired. be able to. In this embodiment, the personal data reading device 40 uses the first encryption key K1,
When there is a specific relationship between the balance of the basic data 4 and the camouflage data 4, the memory 2 of the IC card 1 is read, and only the balance data is displayed to the holder of the IC card 1.

[0046]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the first embodiment described in the embodiment of the present invention, the IC card 1 is inserted into the slot 30 of the cash register 10 and the card slot 4 of the personal data reader 40.
3, a non-contact type IC card 1A in which a memory is communicated in a wireless manner as shown in FIG. 8 may be used.

Therefore, the information communication device 50 and the IC card 1
The internal configuration of A will be described. First, the information communication device 50
Will be described. 51 is a cash register machine body 1
2 is an IC card control unit that is electrically connected to the second CPU 14 via a connection code. This IC card control unit 5
1 controls the information communication device 50 in a comprehensive manner.
For example, a command for activating or deactivating the main function of the IC card 1A, a command for using or stopping the power inside the capacitor of the IC card 1A, a charging command, a charging stop command, and the like. Is output to the IC card 1A side. The transmission unit 52 has a function of modulating a signal based on a command from the IC card control unit 51 and transmitting the modulated signal to the transmission antenna 53.

The transmitting antenna 53 is a radio wave 5 having a large effective area with respect to the antenna 60 of the approaching IC card 1A.
4 and the other receiving antenna 55 is the IC card 1
It has a function of receiving a radio wave 61 having a small effective area emitted (responded) from the antenna 60 of A. The receiving section 56 has a function of demodulating a signal received by the receiving antenna 55 and transmitting the demodulated original signal to the IC card control section 51.

Next, the internal configuration of the IC card 1A will be described. The IC card 1A uses the large radio wave 54 received by the antenna 60 as an energy source to generate electricity in the receiving unit 62, and operates the data control circuit 63, the transmitting unit 64, and the like. The IC card 1A has a CPU,
As in the first embodiment, an I with two types of data stored therein
C memory-2.

Therefore, this wireless IC card 1
In relation to A, the personal data reading device possessed by the IC card purchaser 6 is an information communication device electrically connected to the control device 41 (the same as the information communication device 50 connected to the cash register main body 12 described above). Configuration), but the above-described card slot 43 and IC card reader control means 4
4 is not needed.

In the first embodiment, the cash register main body 12 is provided with the CPU 14, the encryption / decryption means 20, the information comparison / verification means 21, the balance calculation means 22, the insertion port 30 and the like. These main parts may be separately configured as a reading device, and may be connected to a known cash register already used in a store via a communication line or an electrical connection cord.

Next, FIGS. 9 to 11 show a second embodiment of the present invention. In the description of the second embodiment, the same parts as those of the first embodiment (specific invention) are denoted by the same or similar reference numerals as those of the first embodiment, and duplicate description will be omitted. 2, 3, 5, 6, and 7 that describe the first embodiment are referred to as they are, and overlapping descriptions and drawings are omitted.

The second embodiment is different from the first embodiment mainly in that the IC card issuing machine 70 for issuing the IC card 1 (or 1A) can be managed by a card issuer or the like. For example, the IC card issuing machine 70 and a cash register 10A installed in each store 5A are connected to each other via a communication line 72. Machine body 12
A, the information on the IC memory 2A of the IC card 1 is not fixedly stored in advance in the ROM of A, and when the IC card 1 is issued by the IC card issuing machine 70, at least the memory 2A of the IC card 1 is stored in the cash registering machine Is transmitted to the storage device (RAM).

If the IC card 1A issued by the IC card issuing machine 70 is of the non-contact type described above, the communication of the memory 2A of the IC card 1A is performed wirelessly with the cash register 10A. In such a case, the communication line 72 is not always necessary.

FIG. 11 is a block diagram showing the electrical configuration of the IC card issuing machine 70. The IC card issuing machine 70 has an upper CPU 74 constituting a control unit main body. The upper CPU 74 is electrically connected to circuits or means of each unit constituting an electric circuit via bus lines such as an address bus and a data bus.

That is, reference numeral 75 denotes a ROM in which a program for the upper CPU 74 to control the control means is controlled in advance. 76 is a cash register 10A, for example.
This is a RAM in which a memory area for temporarily storing data transmitted from the communication line 72 via the communication line 72 by the upper CPU 74 is formed.

Reference numeral 77 denotes a communication interface for controlling data communication with the cash register 10A or the host computer (not shown) connected via the communication line 72.

Reference numeral 78 denotes bill transfer control means. The bill transfer control means 78 is electrically connected to a bill detector 80 provided for the bill insertion slot 79. 81 is a bill identifying means for identifying the inserted bill detected by the bill detector 80. Reference numeral 82 denotes a bill amount calculating unit that calculates the amount of the inserted bill identified by the bill identifying unit 81.

Reference numeral 83 denotes a display control means for taking the total amount of the inserted bills calculated by the bill amount calculation means 82 into the upper PU 74. The display control means 83 includes the total amount and an IC stored in the ROM 75 in advance. A display 84 for displaying instruction data to the card purchaser is connected.

Reference numeral 85 denotes basic data input control means. The keyboard 7 as an example of input means is electrically connected to the basic data input control means 85. As another example of the input means, a display 84 for displaying the total amount of the inserted bills is a so-called touch panel type, and an IC card purchaser can input a personal name, a date of birth based on operation instructions appearing on a screen area of the display 84. A part of basic data such as age, gender, personal identification number, etc. may be input. At this time, other basic data that cannot generally be arbitrarily input, such as the place of issue, date of issuance, and expiration date, are stored in the ROM in advance, and the basic data writing means 86 automatically causes the IC card 1 (1A)
Is written to the memory 2A.

Reference numeral 87 denotes basic data encryption means. The basic data encryption means 87 uses the first and second encryption keys K1 and K2, and all or at least a minimum necessary part of the basic data. Alternatively, data having a mathematical relationship is encrypted.

Reference numeral 88 denotes IC card issuance control means.
The C card issuance control means 88 has already
After the basic data and the camouflage data are set in the memory 2A of one IC card 1 (1A) taken out from the IC card 9, the IC card 1 (1A) is guided to the card issuing port 90 in the final step. .

Next, FIGS. 12 to 15 show a third embodiment of the present invention. In the description of the third embodiment, the same portions as those of the first embodiment (specific invention) are denoted by the same or similar reference numerals as those of the first embodiment, and overlapping description will be omitted. Also, FIGS. 3, 5, 6, and 7 that describe the first embodiment are used as they are, and duplicate descriptions and drawings are omitted.

The third embodiment differs from the first embodiment mainly in that an IC card issuing machine 70B for issuing an IC card 1B can be managed by a card issuer or the like (for example, a bank or a department store). And the cash register machine 70B and the cash register machine 10B installed in each store 5B are connected via a first communication line 72B. In advance I
The information on the IC memory 2B of the C card 1B is not fixedly stored, and the IC card 1B is used by the IC card issuing machine 70B.
Is issued, the highest-order host computer 9 connected via the second communication line 95 after a certain procedure.
6 requests the card issuer to issue basic data and an encryption key, and the host computer 96 sends the card issuer to the IC card issuer 70B based on the communication request from the IC card issuer 70B. Transmitting the basic data and the three types of encryption keys to the host computer 9B and the IC card ticketing machine 70B.
IC to be issued based on the basic data for the card issuer received from 6 and the three types of encryption keys
The memory 2B of the card 1B is multiplexed (triple or three areas in this embodiment) and encrypted, and
The point that the multiplexed encrypted data is stored in the storage device of the C card issuing machine 70B, and that the IC card 1 that has been encrypted using the first and second encryption keys K1 and K2.
The basic data and the impersonation data of the memory 2B are transmitted to at least the storage device (RAM) of the cash register body 12B.

FIG. 14 is a block diagram showing an electrical configuration of the IC card issuing machine 70B. In the description of the electrical configuration, the same parts as those of the IC card issuing machine 70 of the second embodiment are denoted by the same reference numerals.

The IC card issuing machine 70B has an upper CPU 74B constituting a control section main body. This upper CPU 74
B is electrically connected to circuits or means of each part constituting the electric circuit via bus lines such as an address bus and a data bus.

That is, 75B is a ROM in which a program for the upper CPU 74B to control each section control means or means is stored in advance. Reference numeral 76B denotes a RAM for temporarily storing a part of basic data for the card issuer received from the host computer 96, a part of basic data input via basic data input control means 85B described later, and the like. . The RAM 76B has a plurality of memory areas for the upper CPU 74 to temporarily store, for example, signals transmitted from the host computer 96 and signals transmitted from the cash register 10B via the second communication line 95. Have been.

Reference numeral 77B denotes a communication interface for controlling data communication between the cash register 10B and the host computer 96. Reference numeral 78B denotes bill transfer control means, which is electrically connected to a bill detector 80B provided for the bill insertion slot 79B. 81
B is a bill identifying means for identifying the inserted bill detected by the bill detector 80B. Reference numeral 82B denotes a bill amount calculating unit that calculates the amount of the inserted bill identified by the bill identifying unit 81B.

Reference numeral 83B denotes a display control means for taking the total amount of inserted bills calculated by the bill amount calculation means 82B into the upper CPU 74B. The display control means 83B has the total amount and ICs stored in the ROM 75B in advance. A display 84B for displaying instruction data to the card purchaser is connected.

Reference numeral 85B denotes basic data input control means, and a keyboard 7B as an example of input means is electrically connected to the basic data input control means 85B. As another example of the input means, a push button type display or a display 84B for displaying the total amount of the inserted bills is a so-called touch panel type. A part of basic data such as date of birth, age, gender, and personal identification number may be input. At this time, other basic data that cannot be set arbitrarily, such as the issue location, issue date, expiration date location, etc.
And automatically written into the memory 2B of the IC card 1B by the basic data writing means 86B.

Reference numeral 87B denotes basic data encryption means. The basic data encryption means 87B is automatically stored in the memory 2 of the IC card 1B by the basic data writing means 86B.
A part of the basic data written in B (for example, the place of issue,
A part of the basic data (for example, information such as total amount, personal name, date of birth, age, gender, etc.) taken into the upper CPU 74B by the basic input control means 85B. ) And a portion of the basic data (eg, bank name, branch, bank account, account holder, etc.) received from the host computer 96 via the second communication line 95 for the card issuer, by a plurality of encryption keys, In the present embodiment, three different types of keys, a first encryption key K1, a second encryption key K2, and a third encryption key K3, received from the host computer 96, are used to obtain the basic data. Encrypt all or at least the necessary parts or data in mathematical relationship.

FIG. 15 shows that the basic data is stored in the IC card 1B by the basic data encrypting means 87B.
An example is shown in which one or more areas of the C memory 2 </ b> B (here, “area” includes a case where multiple areas are multiplexed and encrypted) are encrypted.

That is, M1 is a first encryption area for an IC card purchaser. In this first encryption area M1, at least the total amount (remaining balance) at the time of card issuance is obtained using the first encryption key K1. Is encrypted. In this case, the fake data 4a encrypted in the first encryption area M1 includes the first
As in the embodiment, a specific association is given to the basic data (balance) 3B.

M2 is a second encryption area for the store 5B side. In the second encryption area M2, a minimum necessary part of basic data before encryption or data having a mathematical relationship is stored. The additional data (for example, the expiration date of the card, the place where the card can be used, etc.) for the store 5B is double-encrypted using the first encryption key K1 and the second encryption key K2. . In this case, the spoofed data 4b encrypted in the second encryption area M2 has a specific association with at least the basic data (balance) 3B as in the first embodiment. In this case, basic data (balance) 3
B itself may be encrypted.

Further, M3 is a third encryption area for the IC card issuer side. In this third encryption area M3, all or at least a necessary part of the basic data before encryption or a mathematical The related data and additional data (eg, bank name, branch, bank account, account holder, etc.) for the IC card issuer are stored in a first encryption key K1, a second encryption key
Is encrypted three times using the encryption key K2 and the third encryption key K3. In this case, the camouflage data 4c encrypted in the third encryption area M3 has a specific association with at least the basic data 3B as in the first embodiment.

Next, 88B is IC card issuing control means.
This IC card issuance control means 88B stores basic data and disguise data 4a to 4c in the memory 2B of one IC card 1B previously taken out of the card stocker 89B.
Is set, the IC card 1B is guided to the card issuing port 90B in the final step.

When the IC card 1B is removed from the card issuing port 90B, the memory 2B of the IC card 1B is removed.
The basic data 3B and the camouflage data 4b stored in the second encryption area M2 are transmitted to the cash register main body 12B via the communication line 72B by the communication interface 77B.

Reference numeral 99 denotes a basic data / encryption key request means for the host computer 96. The basic data / encryption key request means 99 operates when, for example, the host CPU 74B receives a signal indicating that the calculation by the bill amount calculation means 82B has been completed.

Although the detailed description of the electrical configuration of the host computer 96 centering on the control device 100 is omitted, the host computer 96 has a basic data transmitting means 101 and an encryption / decryption device as shown in FIG. A key transmitting means 102 and an encryption key setting (or generation) means 103 for setting a plurality of encryption keys K1, K2, K3 are provided.

[0080]

As is clear from the above description, the present invention has the following effects. (1) The camouflage data stored in the IC memory of the IC card is specific related data set by applying at least one encryption key to all or a part of the basic data. Even if the data (especially the amount of money) is rewritten, the system of the present invention cannot be used even if the basic data of the IC card is rewritten unless the specific relation between the basic data and the forged data is deciphered. Therefore, complete electronic payment can be made using the cash register. (2) The card purchaser and the clerk must
The memory of the IC card can be visually confirmed on the money amount display 26 of the cash register. (3) If you pay for the goods using an IC card,
In the memory of the C card, new balance data is automatically stored again in an encrypted state by the IC data writing means of the cash register. Therefore, the effect (1) can be achieved. (4) In the invention according to claims 2 to 4, since the basic data also includes the positive information 2 for the store, the holder of the IC card cannot know the information 2, but Since the store clerk can freely view the information 2, when he or she has any doubts about the presenter of the IC card, he or she can confirm whether or not the present IC card is the person's own IC card. (5) In the invention according to claims 5 and 7, since the personal data reader 40 is also included in the system,
The holder of the IC card can freely check the remaining amount of the IC card at any time. (6) According to the invention described in claim 6, the electronic settlement can be performed quickly and easily, and the memory of the IC card is temporarily stored in the storage device of the cash register by communication. The enormous storage procedure of the ROM 15 can be eliminated. (7) According to the invention described in claim 8, even if a third party freely manufactures a personal data reading device, unless the first encryption key K1 is decrypted, the third person sees the balance in the memory of the IC card. Can not. (8) According to the ninth to twelfth aspects of the present invention, since an IC card issuing machine is included in the system, the efficiency of systematization of electronic payment using a cash register can be improved. (9) According to the inventions of claims 13 to 16, since the cash register, the IC card issuing machine, and the host computer can be communicated with each other via a communication line, a more complete online system can be achieved. .

In particular, according to the present invention, since the basic data also includes the information 3 for the card issuer that the IC card purchaser or the store cannot know, the information 3 is set in the disguised data, so A complete electronic payment system is possible.

[Brief description of the drawings]

1 to 7 are explanatory diagrams illustrating an embodiment of the first embodiment of the present invention. FIG. 8 is an explanatory diagram showing another example of the relationship between the cash register and the IC card according to the first embodiment. 9 to 11 are explanatory views showing a second embodiment of the present invention. 12 to 15 are explanatory views showing a third embodiment of the present invention.

FIG. 1 is a schematic explanatory view of a first embodiment.

FIG. 2 is a schematic explanatory view of an IC card.

FIG. 3 is a schematic diagram illustrating an encryption key.

FIG. 4 is a schematic explanatory view of a cash register.

FIG. 5 is a block diagram showing an electrical configuration of the cash register.

FIG. 6 is a schematic explanatory view of a personal data reading device.

FIG. 7 is a block diagram showing an electrical configuration of the personal data reading device.

FIG. 8 is a schematic explanatory view showing another example of the relationship between the cash register and the IC card.

FIG. 9 is a schematic explanatory view of a second embodiment.

FIG. 10 is a schematic explanatory view showing the relationship between a cash register and an IC card issuing machine.

FIG. 11 is a block diagram showing an electrical configuration of the IC card issuing machine.

FIG. 12 is a schematic explanatory view of a third embodiment.

FIG. 13 is a schematic explanatory diagram showing the relationship between a cash register, an IC card issuing machine, and a host computer.

FIG. 14 is a block diagram showing an electrical configuration of the IC card issuing machine.

FIG. 15 is a schematic explanatory view of an IC card.

[Explanation of symbols]

1A, 1A: IC card, 2A, 2B: IC memory,
K1: first encryption key, K2: second encryption key, K3: third encryption key, 3, 3B: basic data, 4: camouflaged data, 5A, 5B: store, 6 … IC card buyer, 10, 10A, 10B… Cash register, 12
A, 12B ... cash register machine body, 13 ... clerk, 14 ... CP
U, 15, 75, 75B ... ROM, 16, 76, 76B
... RAM, 17, 77, 77B ... communication interface, 18, 44 ... IC card reader control means, 19, 4
3: IC card reader, 20: encryption / decryption means, 21
... Comparative verification means, 22 ... Balance calculation means, 23 ... Keyboard control means, 24 ... Keyboard, 25, 46, 83, 8
3B: display control means, 26: display for money amount, 26a: liquid crystal display for store, 27: IC data writing means, 28 ...
Printer control means, 29: printer, 30, 43: card slot, 35, 40: personal data reading device,
41, 97, 100 control device, 42 personal IC card reader, 45 IC memory reader, 47, 84,
84B: display unit, 48: power supply, 51: IC card control unit, 52, 64: reply unit, 53: reply antenna, 54
... radio waves with large effective area, 55 ... receiving antenna, 5
6, 62: receiving unit, 60: antenna, 61: radio wave with small effective area, 63: data line, 70, 70B: IC card issuing machine, 71, 71B: manageable places, 72, 7
2B: communication line, 74: host CPU, 78, 78B: bill transfer control device, 79, 79B: bill slot, 80, 8
0B: Banknote detector, 81, 81B: Banknote identification means, 8
2, 82B ... banknote amount calculating means, 85, 85B ... basic data input control means, 86, 86B ... basic data writing means, 86, 86B ... basic data writing means,
7. Keyboard, push button, touch, etc. 87, 87
B: Basic data encryption means, 88, 88B: IC card issuance control means, 90, 90B: Card issuing port, 95 ...
Second communication line, 96 ... host computer, 89, 8
9B: card stocker, 99: basic data / encryption key request means, 101: basic data transmission means, 10
2 ... encryption key transmission means, 103 ... encryption key generation means.

Claims (16)

[Claims] 1. A portable IC card 1 in which disguise data is stored in an IC memory 2 and a cash register 10 installed in a store, wherein the disguise data is basic data including information for the store 5 side. 3, the cash register 10 has a CPU 14, which has a ROM 15, an IC card reader control means 18, at least one encryption key. The encryption / decryption means 20 for reading and decrypting the basic data 3 in the IC memory 2 of the IC card 1 using the key for information, and the information for comparing and verifying the authenticity of the basic data 3 in the IC memory 2 The comparison verification means 21, if the verification result by the comparison verification means is correct, through the keyboard control means 23 based on the basic data 3 in the IC memory 2 of the IC card 1. Balance calculating means 22 for deducting the purchase price of the product, a display control means 25 for displaying the new balance calculated by the balance calculating means 22 on the money amount display 26, and a new calculation by the balance calculating means 22. IC data writing means 2 for writing the remaining balance data into IC memory 2 of IC card 1 using at least one encryption key.
7. An electronic settlement system using a cash register, wherein printer control means 28 connected to a receipt printer 29 are electrically connected to each other. 2. The impersonation data according to claim 1, wherein the impersonation data is an IC.
Including at least a part of basic data 3 including information 1 for card buyer 6 and information 2 for store 5 side,
The encryption / decryption means 20, which is encrypted by using the first encryption key K1 and the second encryption key K2 and decrypts the forged data 4, converts the second encryption key K Decrypts the IC memory 2 of the IC card 1 using the
Further, the IC data writing means 27 uses the first encryption key K1 and the second encryption key K2 to
An electronic payment system using a cash register, wherein the IC memory 2 of the card 1 is locked by encryption. 3. The information comparing and verifying means 21 according to claim 1, wherein the memory information of the IC card stored in the ROM 15 in advance and the information stored in the memory 2 of the IC card 1 have a specific relation. An electronic payment system using a cash register, characterized by comparing and verifying whether or not payment has been made. 4. The electronic device according to claim 1, wherein the display control means 25 is connected to a clerk-only display 26a for displaying information on the store 5 side of the IC memory 2. Payment system. 5. The electronic settlement system using a cash register according to claim 1, wherein the portable IC card 1 in which data is stored in an IC memory 2, a cash register 10 installed in a store, and an IC card. A personal data reader 40 possessed by the purchaser 6;
Has a control device 41, which includes an IC
The card reader control means 44, the IC memory reading means 45 for reading the IC memory 2 of the IC card 1, and the display control means 46 for displaying the balance read by the IC memory reading means on the display 47 are electrically connected. An electronic payment system using a cash register. 6. A disguise data is stored in an IC memory 2 and includes a wireless portable IC card 1A having an antenna 60 and a cash register 10 installed in a store. The basic data 3 including information for the side 5 is encrypted by using at least one encryption key, and the cash register 10
Has a CPU 14, which has a ROM 1
5, the RAM 16, the information communication device 50, and the IC card 1 of the IC card 1 obtained by communication using at least one encryption key.
Encryption / decryption means 20 for reading and decrypting the basic data 3 and the forged data 4 of the C memory 2; information comparing and verifying means 21 for comparing and verifying the authenticity of the basic data 3 of the IC memory 2; If the verification result by the comparison verification means is correct, the balance calculation means 22, which subtracts the purchase price of the product via the keyboard control means 23 based on the basic data 3 in the IC memory 2 of the IC card 1, the balance calculation Means 2
Display control means 25 for displaying the new balance calculated in step 2 on the money amount display 26, and the balance data newly calculated in the balance calculation means 22 in the IC memory 2 of the IC card 1.
IC writing to at least one encryption key
An electronic payment system using a cash register, wherein the data writing means 27 and the printer control means 28 connected to the receipt printer 29 are electrically connected. 7. An electronic settlement system using a cash register, a portable IC card 1 having data stored in an IC memory 2, a cash register 10 installed in a store, and an IC card A personal data reading device 40 possessed by the purchaser 6;
Has a control device 41. The control device 41 includes an information communication device and an I / O device for reading the IC memory 2 of the IC card 1.
C memory reading means 45, display control means 4 for displaying the balance read by the IC memory reading means on a display 47
An electronic payment system using a cash register, wherein 6 is electrically connected. 8. The IC card reading device according to claim 7, wherein the IC memory reading means uses the first encryption key to store the IC card.
An electronic payment system using a cash register, wherein the IC memory 2 is read. 9. A portable IC card in which disguise data is stored in an IC memory 2A, a cash register 10A installed in a store, and an IC card issuing machine 70, wherein the disguise data is information for the store 5 side. Is encrypted by using at least one encryption key, and the cash register 10A
The CPU 14 includes a ROM 15 and a RAM 1
6, IC card reader control means 18 or information communication device,
Using at least one encryption key, the encryption / decryption means 20 for reading and decrypting the basic data 3 and the forged data of the IC memory 2 of the IC card 1 and the truth of the basic data 3 of the IC memory 2A. Means for verifying information for comparing and verifying fakeness, if the verification result obtained by the means for verifying correctness is correct, the merchandise of the product is transmitted via the keyboard control means 23 based on the basic data 3 in the IC memory 2 of the IC card 1. Balance calculating means 22 for subtracting the purchase amount, display control means 25 for displaying the new balance calculated by the balance calculating means 22 on the money amount display 26, balance data newly calculated by the balance calculating means 22 Is written to the IC memory 2 of the IC card 1 using at least one encryption key.
An electronic settlement system using a cash register, wherein the C data writing means 27 and the printer control means 28 connected to the receipt printer 29 are electrically connected. 10. The IC card issuing machine 70 according to claim 9, wherein when the IC card 1 is issued, at least the memory 2A of the IC card 1 is connected to a storage device of the cash register main body 12A via the communication line 72. Electronic payment system using a cash register. 11. The IC card issuing machine 70 according to claim 9, further comprising an upper CPU 74. The upper CPU 74 has a ROM 75, a RAM 76, a communication interface 77 for controlling communication, a display control means 83, An electronic settlement system using a cash register, wherein the data input control means 85, the basic data writing means 86, the basic data encryption means 87, and the IC card issuance control means 88 are electrically connected. 12. The bill transfer control means 78 according to claim 11, wherein the upper CPU 74 of the IC card issuing machine 70 comprises:
An electronic settlement system using a cash register, wherein the bill identifying means 81 and the bill calculating means 82 are electrically connected to each other. 13. A portable IC card 1B in which impersonation data is stored in an IC memory 2B, a cash register 10B installed in a store, and a cash register 10B connected to the cash register 10B via a first communication line 72B. IC card ticketing machine 70B,
It comprises a host computer 96 connected to the IC card issuing machine 70B via a second communication line 95, wherein the camouflage data includes at least one piece of basic data 3 including information for the store side and information for the card issuer. The cash register 10B is encrypted by using an encryption key, and the cash register 10B has a CPU 14.
4, the basic data 3 and the camouflage data of the IC memory 2B of the IC card 1B are read by using the ROM 15, the RAM 16, the IC card reader control means 18 or the information communication device, and at least one encryption key. Encryption / decryption means 20 for decrypting, information comparing and verifying means 21 for comparing and verifying the authenticity of basic data 3 in IC memory 2B,
If the verification result by the comparison verification means is correct, the IC
A balance calculating means 22 for subtracting the purchase price of the product via the keyboard control means 23 based on the basic data 3 of the IC memory 2B of the card 1B, and a new balance calculated by the balance calculating means 22 is displayed on the money amount display 26. A display control means 25 for displaying the balance data newly calculated by the balance calculation means 22 in the IC memory 2B of the IC card 1B using at least one encryption key; a receipt; An electronic payment system using a cash register, wherein printer control means 28 connected to a printer 29 are electrically connected to each other. 14. The IC card issuing machine 70B according to claim 13, further comprising basic data / encryption key request means 99, and when the IC card issuing machine 70B issues the IC card 1B, the second communication is performed. A communication request is issued to a top-level host computer 96 via a line 95 to issue basic data and an encryption key to the card issuer, and the host computer 96, based on a communication request from the IC card issuing machine 70B, An electronic payment system using a cash register, wherein basic data for a card issuer and a plurality of encryption keys are transmitted to the IC card issuing machine 70B. 15. The IC card issuing machine 70B according to claim 13, wherein the IC card issuing machine 70B issues the IC card 1B to be issued based on basic data for the card issuer received from the host computer 96 and a plurality of encryption keys. When the IC card 1B is issued when the IC card 1B is multiplexed and encrypted in the memory 2B of the
An electronic payment system using a cash register, wherein the memory 2B of B is transmitted to the cash register 10B via the first communication line 72B. 16. An electronic settlement system using a cash register according to claim 13, comprising: a portable IC card 1B in which data is stored in an IC memory 2B; a cash register 10B installed in a store; It comprises an IC card issuing machine 70B connected to the registration machine 10B via a first communication line, and a personal data reading device 40 possessed by the IC card purchaser 6, and the personal data reading device 40 comprises a control device 4
The control device 41 includes an IC card reader control means 44, an IC memory reading means 45 for reading the IC memory 2B of the IC card 1B, and a display 47 showing the balance read by the IC memory reading means. An electronic payment system using a cash register, wherein the display control means 46 is electrically connected.