JPH11272829A - Electronic money card - Google Patents

Abstract

(57) [Summary] [Problem] A storage unit 21 capable of reading and writing electronic money information.
IC card 1 comprising: a communication unit 22 for transmitting and receiving various information including electronic money information to and from the outside; and a calculation unit 23 for calculating the electronic money information and controlling the storage unit and the communication unit.
In the electronic money card including the IC card 11
Is mechanically damaged to prevent unauthorized use by directly accessing the storage unit 21. SOLUTION: An IC card 11 is provided with a damage detection means 31 for detecting mechanical damage of the card, and an arithmetic unit 23 is provided. The damage detection means 31 detects mechanical damage of the IC card 11. The configuration is such that access to the storage unit 21 is prohibited.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to electronic money information (money information) such as balance information and various other information such as account numbers and personal identification numbers of financial institutions such as banks and personal IDs in an IC card. More particularly, the present invention relates to an electronic money card having a mechanism for preventing unauthorized use thereof.

[0002]

2. Description of the Related Art In recent years, a money payment system using electronic money has been put to practical use. This means that an electronic money card processing device (terminal) of a financial institution or the like previously sends cash from an electronic money card processing device (terminal) of the financial institution or the like into an electronic money card such as an IC card so that cash is withdrawn from an automatic refund machine or the like of a financial institution such as a bank. The electronic money (amount information) is transferred and stored in the storage unit. Then, at the time of payment for consideration, for example, the price of goods, etc., so that the buyer hands cash to the seller,
The buyer's electronic money card is attached to an electronic money card processing device (terminal) installed in a retail store or the like as a seller, and the electronic money stored in the storage unit inside the electronic money card is transferred to the processing device and paid. Is what you do.

[0003] Such electronic money has a cashless advantage that payment can be made without carrying cash. In this respect, it is similar to prepaid cards and credit cards that have been widely used in the past, but electronic money cards can be used to transfer money (transfer electronic money) any number of times, and are more active in prepaid cards and credit cards. It is better than a card, and better than cash (bills and coins) in that it can be used semi-permanently. Furthermore, various information other than electronic money (money information) can be added and edited, and other functions and values can be added.
It is rich in various expandability, and great demand is expected in the future.

In such an electronic money card, illegal use of an IC card having electronic money information (money information) is prevented, and internal data (money information, especially balance information) is falsified by unauthorized access to the IC card. In order to prevent this, measures such as strengthening personal authentication means, scrambling means at the time of data communication, and means for encrypting data recorded contents have been taken. As the prior art relating to the prevention of this kind of unauthorized use, Japanese Patent Application Laid-Open No. 9-259197 discloses the enhancement of personal authentication means, and Japanese Patent Application Laid-Open No. 9-12
8468 publication.

[0005]

As described above, in the prior art, measures have been taken to prevent unauthorized use of the IC card and to prevent tampering of internal data due to unauthorized access to the IC card. However, these are all against unauthorized use or unauthorized access without mechanical damage to the IC card. For example, the electronic card inside the IC card with mechanical damage to the IC card, such as disassembly of the IC card itself. No consideration is given to a protection technique against direct access to the money information storage unit. Therefore, the contents of the storage unit are analyzed by the above direct access,
There has been a problem that unauthorized use by falsification is possible.

SUMMARY OF THE INVENTION It is an object of the present invention to provide an electronic money card which can prevent tampering of money amount information accompanying mechanical damage of an IC card, and in particular, illegal use by rewriting such as increasing balance information. And

[0007]

SUMMARY OF THE INVENTION It is an object of the present invention to provide a storage unit capable of reading and writing electronic money information, a communication unit for transmitting and receiving various kinds of information including electronic money information to the outside, a calculation of electronic money information, and the storage unit. An electronic money card comprising an IC card provided with an arithmetic unit for controlling a communication unit, wherein the IC card is provided with damage detecting means for detecting damage to the card, and the arithmetic unit is provided with the damage detecting means. Can be achieved by detecting the breakage so as to prohibit access to the storage unit.

[0008]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram schematically showing an embodiment of an electronic money card according to the present invention. In FIG. 1, reference numeral 21 denotes a storage unit comprising a flash memory capable of reading and writing electronic money information and various other information, for example, management information such as an account number of a financial institution such as a bank, a personal identification number, and a personal ID. A communication unit for transmitting and receiving electronic money information and other various information to and from the computer; 23, an arithmetic unit for calculating the electronic money information and other various information and controlling the storage unit 21 and the communication unit 22; ,
An IC card 11 which is a main component of the electronic money card (FIG. 2)
See). Reference numeral 25 denotes an input terminal of a later-described damage detection signal to the calculation unit 23.

Reference numeral 31 denotes a damage detecting means for detecting mechanical damage of the IC card 11, which is made of a conductive pattern for detecting mechanical damage. As shown in FIG. 2, the mechanical damage detection conductive pattern 31 includes a conductive pattern portion 31a, an end portion 31b, and terminal portions 31c and 31d.
Formed on each inner surface of the front and back covers 11a and 11b of the C card 11 via an insulating layer 32 (see FIG. 3) (in FIG. 1, the conductive pattern 31 on one side of the front and back covers 11a and 11b is removed). Omitted).

The end points 31b are formed at three places of the four corners of the IC card 11 excluding the corners at which the terminals 31c and 31d are formed, and a pair of end point patterns 31b1, 31b2. As shown in FIG. 3, the pair of end point patterns 31b1 and 31b2 are electrically connected to each other by a spring 33 fixed to a substrate 34 of the IC card 11 with solder 35.
Further, the terminal 31c is connected to the input terminal 25, and the terminal 31d is grounded. With such a configuration, the terminal 3c of each conductive pattern 31 for detecting mechanical damage is formed.
Normally, a conduction state is maintained between 1c and 31d.

Here, "mechanical damage" means that the electronic money information is falsified, in particular, rewritten so as to increase the balance information, not through the communication unit 22 (illegally) through the arithmetic unit 23 or directly. When trying to the storage unit 21,
This refers to the use of mechanical pressure applied to the IC card 11. More specifically, a mechanical pressure is applied to at least a part of the IC card 11 to cover the front and rear covers 11 of the case.
This means that at least a part of the inside of the IC card 11 is to be exposed or has been made by a method such as folding, turning, cutting, opening a hole, or denting a or 11b.

Returning to FIG. 1, the storage unit 21 stores
As shown in (1), a storage area 21a for a program executed in the arithmetic unit 23, a spare storage area 21b, a plurality of, here, four electronic money information storage areas (first storage units) 2
1c (21c1 to 21c4) and an electronic money information save area (second storage unit) 21d. In this case, the arithmetic unit 23 includes a conductive pattern for mechanical damage detection (breakage detecting means) 3.
1 detects the mechanical damage of the IC card 11, and stores the electronic money information written in the electronic money information storage area 21c in the electronic money information saving area 21c.
After copying to d, delete. And thereafter, the storage unit 2
The electronic money information has a function of disabling access to the electronic money information 1 and disabling reading and writing of the electronic money information and disabling the electronic money information.

Next, an operation for preventing unauthorized use of the electronic money card of the present invention will be described with reference to FIG.
Now, when an unauthorized user applies mechanical pressure to the front (or back) cover 11a (or 11b) of the case portion of the IC card 11 to open the front cover 11a, in this case, the corners of the cover 11a are closed. Part 31b and spring 33
However, the terminal 31c is separated from the input terminal 25 of the substrate 34, and the mechanical damage detection conductive pattern 31 is electrically disconnected. When a part of the front cover 11a is cut off, a part of the conductive pattern 31 is cut off to be in an electrically cut state. When the conductive pattern 31 is electrically disconnected (mechanical damage of the IC card 11 is detected), the voltage of the damage detection signal input terminal 25 serving as an interrupt input terminal of the arithmetic unit 23 changes from GND to + Vcc. (A damage detection signal is input to the input terminal 25), and an interrupt occurs in the arithmetic unit 23. As a result, the arithmetic unit 23 starts the interrupt processing.

When the interrupt processing is started, first, the operation unit 2
If the damage flag 26 in the nonvolatile register 3 is not set, the electronic money information in use, in this case, the current balance information, for example, the amount information of $ 5,800 out of the contents of the storage unit 21 is stored in the storage area ( The electronic money information is moved from the first storage unit 21c, here, the electronic money information storage area 21c1 to the electronic money information save area (second storage unit) 21d. In addition, the money amount information moved to the electronic money information save area 21d is encrypted. Also, all the electronic money information (balance information) in the electronic money information storage area 21c1 of the sender of the amount information is cleared. Further, a damage flag 26 is set.

The storage area of the storage section 21 is used by being divided into fixed block units, and four blocks (the electronic money information storage areas 21c1 to 21c1 to 21c) are used for storing electronic money information.
21c4) is allocated and used in wraparound. The block position (predetermined electronic money information storage area 21c) having the electronic money information currently used is stored in the arithmetic unit 2
3 is held in the register.

In FIG. 5, when the damage flag 26 is not set (damage flag is OFF), that is, when the IC card is in a normal state and a read / write request for electronic money information is sent from the communication unit 22 to the arithmetic unit 23, the damage flag is O
FF? Is satisfied (Y), and the calculation unit 2
In step 3, a process (read / write process in response to a request in the normal card state) 54 is executed, and a read / write process is performed on a predetermined electronic money information storage area 21c of the storage unit 21, here, the electronic money information storage area 21c1. Do.

As described above, when the conductive pattern 31 is electrically disconnected (mechanical damage of the IC card 11 is detected), the damage flag 26 is set, and the damage flag 26 is set in this way. State, ie, damage flag OF
Read / Wr of electronic money information from the communication unit 22 to the calculation unit 23 in a state other than F (damage flag ON state)
The item request is processed as follows. That is, a write request of electronic money information to the electronic money information storage area 21c1 and the electronic money information save area 2
Regarding a write request for electronic money information for 1d, the above condition 51 is not satisfied (N), and is the write request?
Is satisfied (Y), the NG process 55 is executed in the arithmetic unit 23, and writing fails. Re of the electronic money information in the electronic money information storage area 21c1
Regarding the ad request, are the conditions 51 and 52 not satisfied (N), and are the requests for the electronic money information storage area 21c1? Is satisfied (Y), the NG process 56 is executed in the arithmetic unit 23, and the reading fails. R of electronic money information for electronic money information save area 21d
Regarding the ead request, the above conditions 51, 52 and 53 are not satisfied (N), the processing 57 is executed in the arithmetic unit 23, and the electronic money information saving area 21d of the storage unit 21 is read.

As described above, the conductive pattern 31 for mechanical damage detection is electrically cut off by the unauthorized user (mechanical damage of the IC card 11 is detected), and the damage flag 26 is detected.
Is set up, access to the predetermined electronic money information storage area 21c of the storage unit 21 is denied, and transactions using the IC card 11 are disabled. If the IC card 11 becomes unusable due to the disconnection of the conductive pattern 31 during regular use or abnormal interruption processing due to a failure or the like, the IC card 11 is brought to a financial institution such as a bank, where the IC card 11 is deliberately used. Check that no damage has been made. After that, the maintenance IC
The IC card 11 is connected to a card reader (not shown), and the electronic money information save area 21 inside the IC card 11 is connected.
If the data of d is read and the recorded contents are decrypted, I
Amount information remaining on C card 11 (original balance information ￥
5,800) can be recovered.

In the above-described embodiment, the electrical connection between the end point patterns 31b1 and 31b2 of the end point 31b is performed by the spring 33. However, instead of the spring 33, a conductive rubber or a conductive adhesive may be used. Good. In short, when a mechanical pressure is applied to the corners of the cover 11a to open the front (or back) cover 11a (or 11b), the end patterns 31b1, What is necessary is just to electrically disconnect between 31b2.

The spring 33 illustrated in FIG.
It is fixed to the substrate 34 of the card 11 by solder 35,
As shown in FIG. 6, the front and back covers 11a and 11b may be used to support. In this case, a through-hole 61 is formed in the substrate 34, and a single spring 62 is inserted into the through-hole 61 in a compressed state, whereby the substrate 34 is supported between the front and rear covers 11a and 11b. Each end of the spring 62 is an end point pattern 31b1, 31 on the inner surface of the front and back covers 11a, 11b.
b2 are pressed into contact with each other to electrically conduct therebetween. It is to be noted that a conductive rubber, a conductive adhesive, or the like may be used instead of the spring 62 as in the above description.

Further, in the above-described embodiment, the mechanical damage detecting conductive pattern 31 is used as the damage detecting means for detecting the mechanical damage of the IC card 11, but the present invention is not limited to this. A large number of switches for mechanical damage detection, which are turned on or off when a mechanical pressure is applied to at least a part of 11, may be scattered on the inner surfaces of the front and back covers 11 a and 11 b. As the damage detection means, a means for detecting damage due to heat or light and outputting a damage detection signal may be used.

In the electronic money card processing device (terminal) installed in a financial institution, a retail store, or the like, when the electronic money card of the present invention is mounted on the processing device, the damage detecting means detects mechanical damage. It is possible to detect whether the state is detected (whether or not the damage flag 26 is set in the above-described embodiment) in the above-described embodiment, and to notify the user when the mechanical damage is detected. If configured,
Helps prevent unauthorized use of electronic money cards.

[0023]

As described above, according to the present invention, the following effects can be obtained.

That is, for example, disassembling an IC card
Even if the card is mechanically damaged and the information stored in the storage unit is illegally read, the stored contents are rewritten or the storage unit cannot be accessed at the time of reading the information. Therefore, it is impossible to analyze the stored contents (read out the regular information) and to write the illegal information, thereby preventing the falsification of the money amount information, especially the illegal use by rewriting such as increasing the balance information. can do.

According to the method of saving the storage contents to the second storage unit, the original storage contents do not remain in the original information storage unit (first storage unit), so that unauthorized use becomes impossible. It is possible to recover the amount information (original balance information) remaining on the IC card until then.

Furthermore, by saving the stored contents to the second storage unit and making the access to the first storage unit inaccessible, in addition to the above effects, a further unauthorized access prevention effect can be obtained.

[Brief description of the drawings]

FIG. 1 is a block diagram schematically showing an embodiment of an electronic money card according to the present invention.

FIG. 2 is a perspective view showing an example of a damage detection unit in FIG.

FIG. 3 is an enlarged cross-sectional view of a main part of FIG. 2;

FIG. 4 is a diagram showing contents of a storage area of a storage unit in FIG. 1;

FIG. 5 is a flowchart for explaining the operation of the electronic money card of the present invention shown in FIG. 1;

FIG. 6 is an enlarged cross-sectional view of a main part of another example of the damage detection unit in FIG. 1;

[Explanation of symbols]

11: IC card, 11a, 11b: IC card table,
Back cover, 21 storage unit, 21a program storage area, 21b preliminary storage area, 21c (21c1 to 21c)
4) Electronic money information storage area (first storage unit), 21d
... Electronic money information save area (second storage unit), 22 ... Communication unit, 23 ... Calculation unit, 24 ... Current limiting resistor, 25 ... Damage detection signal input terminal, 26 ... Damage flag, 31 ... Mechanical damage detection Conductive pattern (breakage detecting means), 31a conductive pattern portion, 31b end point portion, 31b1, 31b2 end point pattern, 31c, 31d terminal portion, 32 insulating layer,
33, 62: spring, 34: substrate, 35: solder, 6
1 ... Through hole.

Claims (2)

[Claims] 1. A storage unit that can read and write electronic money information, a communication unit that transmits and receives various information including electronic money information to and from the outside, and an operation that calculates electronic money information and controls the storage unit and the communication unit And an electronic money card comprising an IC card, the IC card further comprising: a damage detecting means for detecting damage of the IC card; and the arithmetic unit comprising: the storage means for detecting the damage by the damage detecting means. An electronic money card wherein access to a section is prohibited. 2. A first storage unit capable of reading and writing electronic money information, a communication unit for transmitting and receiving various information including electronic money information to and from the outside, and calculating electronic money information and controlling the storage unit and the communication unit. An electronic money card comprising an IC card having an operation unit for performing the operation, wherein the IC card comprises: a damage detection unit for detecting mechanical damage of the IC card; and a second storage unit for saving the electronic money information. The electronic money card, wherein the arithmetic unit moves the electronic money information written in the first storage unit to the second storage unit when the damage detection unit detects the damage.