JPH09319804A - Cash information storage medium and electronic settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve security by providing cash information storage parts which allow access, corresponding to passwords and carrying on dealings with cash information in an information storage part, corresponding to a password which matches an externally inputted password. SOLUTION: A file 211a which allows access with a 1st password and a file 211b which allows access with a 2nd password are made in an information storage part 211 of a cash information storage medium 200. Then a password acceptance and interpretation part 111 of an electronic settlement device 100 collates an externally inputted password against those passwords and carries on dealings with the cash information in the file, corresponding to a matching password. Consequently, cash information for normal use and cash information for an emergency case can be stored separately in the storage area which is protected by the different passwords, so the amount of damage in an emergency case can be minimized.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash information storage medium such as an IC (integrated circuit) card which stores cash information called electronic money. In particular, it relates to an electronic payment system for realizing cashless transactions using this cash information storage medium.

[0002]

2. Description of the Related Art In recent years, various forms of cashless transactions using a credit card or a prepaid card have been developed. In these cashless transactions, cash is transferred before and after the transaction. In other words, in a cashless transaction using a credit card, the card company makes a payment in advance after the transaction. Of course, the credited user's bank account will be debited with the amount of cash that has been reset. In cashless transactions with prepaid cards, the purchase price of the prepaid card is paid before the transaction.

While the cashless transactions as described above are being developed, cashless transactions using electronic money have been proposed and embodied. In this electronic money transaction, cash itself is moved during the transaction. The transaction by electronic money is realized by a cash information storage medium that stores cash as electronic information and an electronic settlement device that can handle the electronic information stored in the cash information storage medium. That is, IC as a cash information storage medium
Transactions using electronic money are realized by exchanging cash information called electronic money stored in a card or the like with an electronic payment device.

[0004]

However, the electronic money transaction described above has a security problem as described below. In the IC card in which the cash information as described above is stored, transactions are performed based on the actual balance. That is, when the IC card is normally requested to display the balance, all the actual balances are displayed.

[0005] Contrary to the will of the IC card owner, I
When the withdrawal from the C card is forced, if all the actual balances stored in the IC card are displayed, the full withdrawal may be required, which may result in excessive damage. In such a case, it is necessary to protect the user of the electronic money, although the IC card provider (financial institution issuing the IC card, etc.) has no responsibility.

An object of the present invention is to provide a cash information storage medium and an electronic payment system excellent in security in view of the above circumstances.

[0007]

The present invention has been made on the basis of the above problems, and a cash information storage medium of the present invention stores cash information, and can be accessed by a first access key. A first storage unit that is permitted and a second storage unit that stores cash information and that is permitted to be accessed by the second access key, an access key that is input from the outside, and the first and the second storage units. When the collation means for collating with the second access key and the collation of the first access key are coincident with each other, the transaction is performed by the cash information stored in the first storage means, and the second access is performed. And a transaction means for performing a transaction by using the cash information stored in the second storage means when the keys are matched.

The present invention stores cash information in an electronic payment system including a cash information storage medium for storing cash information and an electronic payment device for handling cash information stored in the cash information storage medium. The thing
A first storage means that is permitted to access by the first access key, and a second storage means that stores cash information and that is permitted to be accessed by the second access key. Collating means for collating the access key with the first and second access keys,
Depending on the collation result by the collating means, withdrawal processing means for withdrawing predetermined cash information from the cash information stored in the first or second storage means of the cash information storage medium, and withdrawn by the withdrawal processing means. And a deposit processing unit for depositing the cash information stored in the dispense cash storage unit into a cash information storage medium.

The present invention provides an electronic payment system comprising a cash information storage medium for storing cash information and an electronic payment device for handling cash information stored in the cash information storage medium, which is for normal use. A first storage means for storing cash information, the first storage means permitting access by the first access key, and the cash information for emergency, which is accessed by the second access key. Is permitted, access key acceptance means for accepting an access key, and collation means for collating the access key accepted by the access key acceptance means with the first and second access keys. And the access key accepted by the access key acceptance means for accepting the withdrawal amount, and the first access key. And the withdrawal amount accepted by the withdrawal amount acceptance means is extracted from the cash information stored in the first storage means of the cash information storage medium, and the access key accepted by the access key acceptance means is When the second access key matches, the withdrawal processing means for withdrawing the withdrawal amount received by the withdrawal amount receiving means from the cash information stored in the second storage means of the cash information storage medium; The withdrawal cash storage means stores the cash information withdrawn by the withdrawal processing means, and the deposit processing means for depositing the cash information stored in the withdrawal cash storage means into the cash information storage medium.

According to the cash information handling method of the present invention, the first cash information is stored in the first cash information storage area to which access is permitted by the first access key, and the access is permitted by the second access key. Second cash information is stored in the second cash information storage area, and when the first access key is pressed, access to the cash information stored in the first cash information storage area is permitted. And the second
When the access key is input, the access to the cash information stored in the second cash information storage area is permitted.

According to the cash information handling method of the present invention, the first cash information for normal operation is stored in the first cash information storage area to which access is permitted by the first access key, and the second access key is used. The second cash information storage area for emergency is stored in the second cash information storage area which is permitted to be accessed by, and when the withdrawal request is made by the first access key, the first cash information is stored. When the withdrawal is permitted within the range of the cash information stored in the information storage area and the withdrawal request is made by the second access key, the withdrawal is stored in the second cash information storage area. Allow withdrawal within the range of cash information.

As a result of taking the above means, the following actions occur. The cash information storage medium and the cash information storage medium in the electronic payment system of the present invention store cash information for normal use, and include a first storage unit that is permitted to be accessed by a first access key. Since the cash information for an emergency is stored, and the second storage means is provided with access by the second access key, it is stored in the second storage means in an emergency. By presenting cash information that is present, damage in an emergency can be minimized.

More specifically, the first storage means stores cash information for normal use, and the second storage means stores cash information in case of withdrawal. Remember. Of course, the cash information stored in the second storage means is for minimizing the damage, and the minimum cash information is stored. When the withdrawal is forced, by presenting the cash information stored in the second storage means, the damage can be suppressed within the range of the cash information stored in the second storage means.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram schematically showing a hardware configuration of a cash information storage medium according to an embodiment of the present invention and an electronic settlement apparatus capable of handling the cash information storage medium.

The electronic settlement apparatus 100 is a tool for transferring cash information called electronic money between cash information storage media. That is, it is a reader / writer that reads cash information stored in the cash information storage medium and writes cash information in the cash information storage medium.

The electronic payment device 100 includes a control unit 101 for controlling the entire device and a calculation unit 10 for calculating information.
2. Storage unit 1 for storing cash information called electronic money
03, an IC for reading and writing cash information from the IC chips of the cash information storage medium 200 and the cash information storage medium 300
The chip reader / writer 104 and the like are used. Further, the electronic payment device 100 also incorporates a keyboard 105 used for operator's operations, a display device 106 for displaying various information, and the like. In this embodiment, a relatively small portable electronic payment device will be described, but a relatively large fixed electronic payment device is also used as the electronic payment system.

A cash information storage medium 200 to which an IC card or the like is applied includes a control unit 201 for controlling this medium, a calculation unit 202 for performing various calculations in a password matching process, a deposit process, a withdrawal process, etc., which will be described later, It is composed of a storage unit 203 for storing cash information called money. Similarly, a cash information storage medium 300 to which an IC card or the like is applied has a control unit 301 that controls this medium,
It is composed of a calculation unit 302 that performs information calculation processing, a storage unit 303 that stores cash information, and the like.

In this embodiment, the cash information storage medium 2
It is assumed that 00 is used for withdrawal, that is, for payment, and that the cash information storage medium 300 is used for deposit, that is, for receipt.
The cash information storage medium 200 and the cash information storage medium 30
0 is the same, and the cash information storage medium 200 can be used for depositing and the cash information storage medium 300 can be used for dispensing.

Next, the basic functions of the cash information storage medium and the electronic settlement apparatus described above will be described with reference to FIG. The password acceptance interpreting unit 111 is the keyboard 1
The password (access key) input from 05 is accepted and interpreted. This password permits access to the cash information storage medium. Balance inquiry reception unit 112
Accepts a balance inquiry request input from the keyboard 105 and displays the balance on the display device 106. The withdrawal receiving unit 113 receives a withdrawal request input from the keyboard 105. The withdrawal section 114 is the withdrawal acceptance section 11
In accordance with the withdrawal request accepted in No. 3, the electronic payment device 10
The electronic money is withdrawn from the information storage unit 211 of the cash information storage medium 200 for withdrawal set to 0, and the storage unit 10
Temporarily store in 3. The card change unit 115 removes the cash information storage medium 200 for withdrawal and displays a message on the display device 106 to set the cash information storage medium 300 for deposit. The deposit unit 116 transfers the electronic money temporarily stored in the storage unit 103 to the information storage unit 311 of the cash information storage medium 300 for deposit.

Next, the information stored in the information storage section will be described in detail with reference to FIGS. 3 and 4. In the information storage unit 211 of the cash information storage medium 200, the first file 211 that is permitted to be accessed by the first password
a and a second file 211b that is permitted to be accessed by the second password are constructed. Similarly, the information storage unit 311 of the cash information storage medium 300 also includes a first file 311a that is permitted to be accessed by the first password and a second file 311b that is permitted to be accessed by the second password. Has been built. The password is different for each cash information storage medium.

As described above, the information storage unit of one cash information storage medium has a plurality of files, and different passwords are given to the respective files. This makes it possible to separately manage cash information for daily use and cash information for emergencies.

Here, a specific example of the information storage medium 20 will be described.
0 will be explained. The first file 211a is used as a regular file, and electronic money for normal use is stored in the first file 211a. The amount of electronic money at this time is, for example, 300,000 yen. The second file 211b is used as a fake file, and the second file 211b stores electronic money in case the withdrawal is forced. Of course, the second file 21
The electronic money stored in 1b is for minimizing damage, and the minimum amount of electronic money, for example, 10,000 yen is stored. If you are forced to withdraw money,
By opening the password of the second file 211b, the damage can be suppressed within the range of 10,000 yen of electronic money stored in the second file 211b.

Next, the deposit / withdrawal process by the electronic payment system realized by the cash information storage medium and the electronic payment device described above will be described with reference to the flowcharts of FIGS. Here, the description will be given with an emphasis on deposit / withdrawal processing, which is the point of the present invention. Also, here, the cash information storage medium is referred to as a card.

The display / display section 106 of the electronic payment device 100 in the initial state displays a guide to the effect that a card is set in the electronic payment device 100 (ST10). When the card is set according to this guidance display, that is, when the card is accepted by the electronic payment device 100 side (ST1
(2, YES), waiting for each processing such as balance inquiry, deposit, and withdrawal (ST14).

At this time, when the user instructs the withdrawal through the keyboard 105, that is, when the electronic settlement apparatus 100 receives the withdrawal instruction (ST16, YES),
The withdrawal process will be performed below. The user performs processing other than withdrawal via the keyboard 105 (ST16, NO),
For example, if the balance inquiry is designated (ST18, YES),
Processing according to the designated instruction is performed (ST20).

When the withdrawal instruction is accepted (ST1
(6, YES), first, a guidance display prompting the input of the password is displayed (ST22). A password is entered via the keyboard 105 in accordance with this guidance display.
The entered password is the password reception interpretation unit 111.
Is accepted and interpreted at (ST24) and transmitted to the card side. On the card side, the password verification process is performed by the calculation unit 202 (ST26). In the password collation processing, it is collated whether the received password matches the password of the first file or the password of the second file. The result of the password collation processing is returned to the password acceptance interpretation unit 111.

When the input password matches the password of the first file (ST28), the first file is read (ST30), and the electronic money stored in the first file is balance. Is displayed as (ST32). If the entered password matches the password of the second file (ST34), the second file is read (ST36), and the electronic money stored in this second file is displayed as a balance. (ST38). If there is no password corresponding to the entered password (ST40), the file is not read and an error is displayed (ST42). In addition,
From the above ST22 password input guide, ST30, ST3
The process up to reading the file of No. 6 is performed by the password reception interpretation unit 111. The balance display in ST32 and ST38 is performed by the balance inquiry receiving unit 112.

When the balance is displayed, a guide for urging the input of the withdrawal amount is displayed (ST44). According to this display, when the withdrawal amount is input via the keyboard 105,
That is, when the electronic payment device 100 side receives the withdrawal amount (ST46, YES), the received withdrawal amount is transmitted from the electronic payment device 100 side to the card side. On the card side, the withdrawal amount is deducted from the balance, the deducted amount of electronic money is transmitted to the electronic payment device 100, and the withdrawal process of the electronic money is completed (ST4.
8). The withdrawal process on the card side is performed by the calculation unit 20.
2 (302).

When the input password is the first password of the first file, electronic money is withdrawn from the first file, and the input password is the second password of the second file. In the case of, electronic money withdrawal processing is performed from the second file. The withdrawn electronic money is temporarily stored in the storage unit 103 (ST50). The withdrawal amount input guide in ST44 and withdrawal amount acceptance in ST46 are performed by the withdrawal amount acceptance unit 113. In addition, ST48 withdrawal processing and ST
The temporary storage of 50 is performed by the dispensing unit 114.

Electronic money withdrawal processing is performed (ST4
8) When the withdrawn electronic money is temporarily stored (S
T50), a card change message is displayed (S
T52). According to this display, the card set for withdrawal is changed to the card for deposit (ST54, Y
ES), when the deposit is instructed, the stored electronic money is deposited into the newly set deposit card (ST56). The deposit process on the electronic payment device 100 side is performed by the deposit unit 116, and the deposit process on the card side is performed by the calculation unit 202 (302).

The deposit / withdrawal process is performed as shown in the above flow chart. That is, by storing a small amount of emergency electronic money in the second file, if the withdrawal is forced, by opening the password of the second file, the damage amount can be reduced to the second amount. The cash range stored in the file can be suppressed. In other words, the cash stored in the first file can be protected.

[0032]

According to the present invention, the cash information for normal times and the cash information for emergencies can be separately stored in the storage areas protected by different passwords. If you are forced to do so, minimize the amount of damage in an emergency by disclosing a password to access emergency cash information that stores the minimum amount of cash information to minimize damage. Can be suppressed. That is, according to the present invention, it is possible to provide a cash information storage medium and an electronic settlement system which are excellent in terms of security.

[Brief description of drawings]

FIG. 1 is a diagram schematically showing an example of a hardware configuration of a cash information storage medium according to an embodiment of the present invention and an electronic payment device capable of handling the cash information storage medium.

FIG. 2 is a diagram for explaining basic functions of a cash information storage medium and an electronic payment device.

FIG. 3 is a diagram showing information stored in an information storage unit of a cash information storage medium.

FIG. 4 is a diagram showing information stored in an information storage unit of a cash information storage medium.

FIG. 5 is a flowchart illustrating a deposit / withdrawal process by an electronic payment system realized by a cash information storage medium and an electronic payment device.

FIG. 6 is a flowchart illustrating a deposit / withdrawal process by an electronic payment system realized by a cash information storage medium and an electronic payment device.

[Explanation of symbols]

100 ... Electronic payment device 101 ... Control unit 102 ... Calculation unit 103 ... Storage unit (disbursement cash storage means) 104 ... IC chip reader / writer (disbursement processing means, deposit processing means) 105 ... Keyboard (access key acceptance means, exit Amount accepting means) 106 ... Display display device 111 ... Password acceptance interpreting part (verifying means) 112 ... Balance inquiry accepting part 113 ... Withdrawal accepting part (withdrawal processing means) 114 ... Withdrawal part (withdrawal processing means) 115 ... Card change section 116 ... Deposit section (deposit processing means) 200, 300 ... Cash information storage medium 201, 301 ... Control section (transaction means) 202, 302 ... Arithmetic section (matching means, transaction means, withdrawal processing means, deposit processing Means) 203, 303 ... Storage unit 211, 311 ... Information storage unit 211a, 311a ... First file (first storage unit) 211b 311b ... second file (second storage means)

Claims (5)

[Claims] 1. A first storage means for storing cash information, the first storage means permitting access by a first access key, and a cash information storing means for accessing by a second access key. Second storage means permitting access, an access key input from the outside, and the first and second
If the collation means for collating with the access key and the collation of the first access key are coincident with each other, the transaction is performed by the cash information stored in the first storage means, and the second access key A cash information storage medium, comprising: a transaction means for performing a transaction based on the cash information stored in the second storage means when the collation matches. 2. A cash information storage medium for storing cash information,
In an electronic payment system configured with an electronic payment device that handles cash information stored in the cash information storage medium, for storing cash information, the first access key permits access. Storage means for storing cash information, second storage means for allowing access by the second access key, access key input from the outside, and the first and second
And a predetermined cash information from the cash information stored in the first or second storage means of the cash information storage medium in accordance with the collation means for collating with the access key. Withdrawal processing means, withdrawal cash storage means for storing cash information withdrawn by the withdrawal processing means, deposit processing for depositing cash information stored in the withdrawal cash storage means into a cash information storage medium An electronic payment system comprising: 3. A cash information storage medium for storing cash information,
In an electronic payment system configured with an electronic payment device that handles cash information stored in the cash information storage medium, the electronic payment system stores cash information for normal times.
And a second storage means for storing cash information for emergencies, the first storage means being permitted access by the access key of
Second storage means for which access is permitted by the access key, access key acceptance means for accepting the access key, collation of the access key accepted by the access key acceptance means with the first and second access keys When the access key accepted by the access key acceptance means matches the first access key,
The withdrawal amount accepted by the withdrawal acceptance means is withdrawn from the cash information stored in the first storage means of the cash information storage medium, and the access key accepted by the access key acceptance means is the second access. When the key matches, the withdrawal processing means for withdrawing the withdrawal amount accepted by the withdrawal acceptance means from the cash information stored in the second storage means of the cash information storage medium; and the withdrawal processing means. An electronic money storage device for storing the withdrawn cash information; and a deposit processing device for depositing the cash information stored in the withdrawn cash storage device into a cash information storage medium. Payment system. 4. A first cash information storage area in which first cash information is stored in a first cash information storage area where access is permitted by a first access key, and a second cash information storage area in which access is permitted by a second access key. Second cash information is stored in the area, and when the first access key is input, access to the cash information stored in the first cash information storage area is permitted, and the second access A cash information handling method, characterized in that, when a key is input, access to the cash information stored in the second cash information storage area is permitted. 5. A first cash information storage area for storing normal cash information in a first cash information storage area which is permitted access by a first access key, and a second access key permits access. The second cash information for emergency is stored in the second cash information storage area, and when the withdrawal request is made by the first access key, the second cash information is stored in the first cash information storage area. When the withdrawal is permitted within the range of the cash information stored and the withdrawal request is made by the second access key, the withdrawal is within the range of the cash information stored in the second cash information storage area. A cash information handling method characterized by allowing money.