Ic card and method for charging electronic money to the same

Description: TECHNICAL FIELD [Detailed description of the invention]

【0001】

[Technical field to which the invention belongs]

The present invention relates to an IC card capable of charging electronic money and a method for charging the IC card with electronic money.

【0002】

[Conventional technology]

In recent years, an electronic money system has been introduced in which electronic money can be placed on an IC card and shopping can be performed using the IC card.

【0003】

Since the amount of electronic money decreases each time such an IC card is used for shopping, it is necessary to charge the IC card with electronic money in order to continue using it. In order to charge such IC cards with electronic money, at present, IC card users go to charging machines in which only a limited number of IC cards are installed in a limited place.

【0004】

[Problems to be Solved by the Invention]

In view of this situation, for example, Japanese Patent Application Laid-Open No. 2000-222498 (mobile phone device and electronic money recharge system) allows an IC card to be connected to a mobile phone, and the user's account number and PIN are sent from the mobile phone to the bank. Is sent, and the user is authenticated at the bank based on the received account number and PIN, and when authenticated, the amount equivalent to the amount of electronic money specified by the user is deducted from the user's account. A technology has been proposed to charge an IC card with that amount of electronic money.

【0005】

However, in the above-mentioned Japanese Patent Application Laid-Open No. 2000-222498, it is assumed that there is a balance in the bank account at the time of charging the electronic money. , There was a problem that even if I wanted to charge electronic money, I could not charge it.

【0006】

An object of the present invention is to provide an IC card capable of charging electronic money without being limited by an account balance or a cash balance on hand in view of the above-mentioned problems.

【0007】

Another object of the present invention is to provide a user terminal capable of charging the IC card with electronic money.

【0008】

Another object of the present invention is to provide a computer system for instructing a user terminal to charge electronic money so that the IC card is charged with electronic money.

【0009】

Another object of the present invention is to provide an electronic money charging system capable of charging electronic money into the IC card via the user terminal and the computer system.

【0010】

Another object of the present invention is to provide a program for charging the IC card with electronic money to each of the IC card, the user terminal, and the computer system.

【0011】

Another object of the present invention is to provide an electronic money charging method for charging electronic money to the IC card using the electronic money charging system.

【0012】

[Means for solving problems]

In order to achieve such an object, the invention according to claim 1 includes a first storage means for storing electronic money information including electronic money, a second storage means for storing credit information, and personal authentication. The third storage means in which the user ID is stored in advance is collated with the personal authentication ID stored in the third storage means in response to the input of the personal authentication ID from the user terminal. The collating means for generating the collation result, the first reading means for reading the electronic money information stored in the first storage means, and the second reading means in response to the credit information reading command signal from the user terminal. A second reading means for reading the credit information stored in the storage means of the above, and an electronic card authentication ID created in response to the reception of transaction information from the user terminal and stored in the first storage means. Money information, credit information stored in the second storage means, a card authentication ID creating means for outputting the card authentication ID to the user terminal together with the collation result, and electronic money from the user terminal. The IC card is provided with a charging means for charging electronic money to the electronic money information stored in the first storage means in response to the charge command signal of the above.

【0013】

The invention according to claim 2 is stored in a first storage means for storing electronic money information including electronic money, a second storage means for storing credit information, and the first storage means when using electronic money. A first reading means for reading the electronic money information, a second reading means for reading the credit information stored in the second storage means in response to a credit information reading command signal from the user terminal, and the user. The IC card is provided with a charging means for charging the electronic money information stored in the first storage means in response to an electronic money charge command signal from the terminal.

【0014】

The invention according to claim 3 is the IC card according to claim 1 or 2, wherein the IC card has a credit card function, and a credit information read command signal from the user terminal is charged to the IC card. It is characterized in that the electronic money to be used is transmitted to settle with the credit card.

【0015】

According to the invention of claim 4, in the IC card according to any one of claims 1 to 3, the electronic money charged by the charging means with respect to the electronic money information stored in the second storage means is It is characterized in that it is electronic money purchased by payment by the credit card.

【0016】

The invention according to claim 5 is the IC card according to claim 1 or 2, wherein the transaction information includes a plurality of information, and the card authentication ID creation means is encrypted using a specific encryption key. The card authentication ID is created by changing the card authentication ID.

【0017】

The invention according to claim 6 is characterized in that, in the IC card according to claim 1 or 2, the transaction information includes an amount of electronic money to be charged to the IC card received from the user terminal and a transaction date. To do.

【0018】

The invention according to claim 7 is the IC card according to claim 1 or 2, wherein the transaction information includes the collation result.

【0019】

The invention according to claim 8 is a first input means for inputting an amount of electronic money to be charged to the IC card according to any one of claims 1 to 7, and a second input means for inputting an ID for personal authentication. An input means, a signal transmission means for transmitting a credit information read command signal and / or an electronic money charge command signal to the IC card, and a first terminal-side input / output means for communicating information with the IC card. It is a user terminal provided with a second terminal-side input / output means for exchanging information with a computer system holding electronic money information and credit card member information.

【0020】

The invention according to claim 9 is the user terminal according to claim 8, wherein the information is read by the amount of electronic money input from the first input means and the first reading means of the IC card. Electronic money information, credit information read by the second reading means of the IC card, a card authentication ID generated by the card authentication ID creating means of the IC card, and generation of a collating means of the IC card. It is characterized in that it includes at least one of the collation result and any one of the electronic money to be charged to the IC card.

【0021】

According to the invention of claim 10, the amount of electronic money input from the first input means on the user terminal according to claim 8 is settled by the credit card function provided in the IC card and purchased. It is characterized by the amount of money.

【0022】

The invention according to claim 11 is at least one of the card authentication ID, the credit information, the electronic money information, and the collation result received from the IC card in the user terminal according to claim 8. It is characterized in that it is provided with an encryption means for generating data for transmission by further encrypting the one including one.

【0023】

The invention according to claim 12 includes a first server that holds electronic money information and issues electronic money, and a second server that holds member information and makes a credit determination based on the member information. In the computer system, the first server is the user terminal according to any one of claims 8 to 11, the first communication means for communicating information with the second server, and the second server. In response to the credit determination result notification, the user terminal is provided with an instruction signal transmitting means for instructing the user terminal to transmit an electronic money charge command signal to the IC card according to any one of claims 1 to 7. Based on the information, the server determines the authenticity of the IC card, and makes a credit determination to the IC card owner in response to the determination that the IC card of the determination means is true. The computer system is provided with a second communication means for notifying the first server of the credit determination result.

【0024】

The invention according to claim 13 is the computer system according to claim 12, wherein the first server includes a decryption means for decrypting transmission data generated by the encryption means of the user terminal. It is characterized by.

【0025】

The invention according to claim 14 is the computer system according to claim 12 or 13, wherein the first server stores guidance information displayed for inputting information on the user terminal. The user terminal includes means, and the user terminal reads and displays the guidance information.

【0026】

The invention according to claim 15 is characterized in that, in the computer system according to claim 14, the guidance information is in the form of a markup language document.

【0027】

The invention according to claim 16 is stored in the second storage means of the IC card according to any one of claims 1 to 7 in response to a credit information read command signal from the user terminal. A step of reading credit information and a step of collating the personal authentication ID with the personal authentication ID stored in the third storage means of the IC card in response to input of the personal authentication ID from the user terminal. In response to the step of reading the electronic money information stored in the first storage means and the reception of transaction information from the user terminal, a card authentication ID is created and stored in the first storage means. A step of outputting the card authentication ID to the user terminal together with the electronic money information, the credit information stored in the second storage means, and the collation result, and an electronic money charge command from the user terminal. It is a program that realizes a step of charging electronic money to electronic money information stored in the first storage means in response to a signal.

【0028】

The invention according to claim 17 is the program according to claim 16, wherein the transaction information includes a plurality of pieces of information, and the step of creating the card authentication ID is encrypted using a specific encryption key. By doing so, the card authentication ID is created.

【0029】

The invention according to claim 18 is characterized in that, in the program according to claim 16, the transaction information includes an amount of electronic money to be charged to the IC card received from the user terminal and a transaction date.

【0030】

The invention according to claim 19 is characterized in that, in the program according to claim 16, the transaction information includes the collation result.

【0031】

The invention according to claim 20 is a user terminal according to any one of claims 8 to 11, which controls the signal transmitting means to send a credit information read command signal and / or an electronic money charge command signal to the IC card. The step of transmitting information, the step of controlling the first terminal-side input / output means to communicate information with the IC card, and the step of controlling the second terminal-side input / output means with the computer system. It is characterized by being a program that realizes the steps of communicating between each other.

【0032】

The invention according to claim 21 is at least one of the card authentication ID, the credit information, the electronic money information, and the collation result received from the IC card in the program according to claim 20. It is characterized by further encrypting the information including the above and providing a step of generating data for transmission.

【0033】

The invention according to claim 22 is the computer system according to any one of claims 12 to 15, wherein the first server controls the first communication means to control the user terminal and the second server. And the step of communicating information including at least one of the electronic money amount, the card authentication ID, the electronic money information, the collation result, and the credit information, and the first step. In the second server, the step of determining the authenticity of the IC card based on the information received from the user terminal, and in the second server, the IC card is determined to be true, and the IC card owner is notified. When making a credit determination, the step of notifying the first server of the result of the credit determination and the IC of the first server in response to the notification of the result of the credit determination to the user terminal. It is characterized in that it is a program that realizes a step of transmitting an instruction signal for instructing the transmission of an electronic money charge command signal to a card.

【0034】

The invention according to claim 23 includes, in the program according to claim 21, a step of decrypting the card authentication ID further encrypted by the encryption means of the user terminal on the first server. It is characterized by that.

【0035】

The invention according to claim 24 is a recording medium in which any of the programs of claims 16 to 23 is stored.

【0036】

The invention according to claim 25 is an electronic money charging system including the user terminal according to any one of claims 8 to 11 and the computer system according to any one of claims 12 to 15 from claim 1. A method of charging electronic money to the IC card according to any one of 7, in which the step of inputting the amount of electronic money to be charged to the IC card at the user terminal and the personal authentication ID at the user terminal. In response to the step of inputting, the credit information read by the IC card in response to the credit information read command signal from the user terminal, and the transaction information received from the user terminal at the user terminal. The person in response to the input of the card authentication ID created in the IC card, the electronic money information stored in the first storage means of the IC card, and the person authentication ID from the user terminal. The step of receiving from the IC card the collation result of collating the authentication ID and the personal authentication ID stored in the IC card with the IC card, and the card authentication received from the IC card at the user terminal. A step of further encrypting information including at least one of an ID, the electronic money information, the credit information, and the collation result to generate transmission data, and the transmission to the computer system at the user terminal. In the step of transmitting credit data and in the computer system, the authenticity of the IC card is determined based on the information, and when the IC card is determined to be true, the credit is determined to the owner of the IC card. , In response to the result of the credit determination, a step of transmitting an electronic money to be charged to the IC card and an instruction signal for instructing the transmission of an electronic money charge command signal to the IC card to the user terminal. In response to the electronic money charge instruction signal for the IC card from the computer system, the user terminal transmits an electronic money charge command signal to the IC card.However, the electronic money charging method includes a step of transmitting the electronic money received from the computer system.

【0037】

BEST MODE FOR CARRYING OUT THE INVENTION

Examples of the present invention will be described in detail below with reference to the drawings.

【0038】

FIG. 1 shows an example of a system configuration of an electronic money charging system in which the present invention is implemented. The electronic money charging system is a reader / writer device 200 that is connected to a user terminal 100 and the user terminal 100, loads an IC credit card (hereinafter referred to as "IC card") 300, and reads / writes to the IC card 300. It also has a financial institution side (computer) system 500 equipped with an electronic money server 600 and a host computer 700, and a communication network 800 such as the Internet that connects the user terminal 100 and the financial institution side system 500.

【0039】

The user terminal 100 is a terminal used by a user who is the owner of the IC card, and may be a terminal owned by the individual user or a terminal installed in a specific place such as a store and capable of charging electronic money. The user accesses the electronic money server 600 from the user terminal 100 via the communication network 800, and requests the IC card 300 to charge the electronic money. As a device of the user terminal 100, browser software that can browse web information (information specified by a markup language document such as an HTML document) (for example, Microsoft's Internet Explorer (trademark), Netscape Communication's Netscape (for example) It may be any of a commercially available personal computer equipped with (trademark), etc., an information processing device such as PDA (Personal Data Assistance), a wireless calling terminal, a PHS terminal, and a mobile communication terminal. In particular, the mobile communication terminal may be a terminal having an e-mail function or an access function to the Internet (for example, an i-mode (service name) terminal provided by NTT DoCoMo, Inc.). ..

【0040】

The reader / writer device 200 is a device used by the user, like the user terminal 100. The reader / writer device 200 is connected to the user terminal 100 and reads / writes information stored in the IC card 300. The IC card 300 is a card device owned by the user, and electronic money information including the amount of electronic money, the ID of the electronic money application, the electronic signature, etc. on the IC chip in the IC card 300, and the credit card of the IC card 300. It stores credit information including the amount of electronic money, credit card number, etc. that the user has purchased by the function and is about to charge the IC card 300.

【0041】

The electronic money server 600 is a server installed as a part of the system 500 on the side of a financial institution such as a bank that issues electronic money, and can have the same hardware configuration as the conventional one. The hard disk in the electronic money server 600 is called a WEB server, and is equipped with a program for providing a homepage (HTML document) to the user terminal 100, a gateway program, and the like. The gateway program is a program that processes information from the user terminal 100 acquired by the electronic money server 600 via the WEB server.

【0042】

As will be described later, in the present embodiment, the user terminal 100 side exchanges information between the host computer 700 and the electronic money server 600 for processing related to charging of electronic money and processing for payment by credit card or electronic money. The gateway program mainly executes according to the instruction from.

【0043】

The electronic money server 600 stores a program for issuing electronic money and electronic money information 610 related to issuing electronic money. The electronic money server 600 has a function of decoding transmission data received from the user terminal 100 and transmitting credit information to the host computer 700, a credit determination result acquired from the host computer 700, and transmission transmitted from the user terminal 100. It has a function of instructing the IC card 300 possessed by the user to charge the electronic money based on the electronic money information included in the credit data.

【0044】

The host computer 700 is a server installed on the credit card issuer, for example, the credit card company side, and can have the same hardware configuration as the conventional one. On the hard disk in the host computer 700, a program that determines whether the IC card 300 is true or false based on the electronic money application program (described later), and member information related to the user who is the IC card owner stored in the internal storage device. A program that provides the electronic money server 600 with the result of the credit judgment for the owner of the IC card 300, which is performed with reference to the 710, is installed. The host computer 700 determines whether the IC card 300 is true or false based on the credit information received from the electronic money server 600, and specifies the user who is the owner of the IC card 300 by the credit card. When it is determined whether or not to purchase the amount of electronic money, that is, whether or not to credit the amount of electronic money, and the credit is accepted to the user, the electronic money server 600 is charged with the IC card 300 possessed by the user. Instructs that the amount of electronic money specified by the user may be transferred from the server 600.

【0045】

The communication network 800 connects the user terminal 100 and the financial institution side system 500 to each other via the communication network 800. The communication network 800 includes mobile communication circuit switching such as the Internet, intranet, LAN (Local Area Network), general public telephone network (including both analog and digital), and PDC / PDC-P / W-CDMA system. Any communication network such as a network / mobile communication packet switching network, a wireless calling network, a PHS network, and a satellite communication network may be used.

【0046】

FIG. 2 shows an example of the configuration of the user terminal 100 of FIG. The user terminal 100 is realized by, for example, a personal computer, and has a main control unit (hereinafter referred to as "CPU") 110, an input unit 120, a display unit 130, a storage unit 140, a communication unit 150, and a reader / writer unit 160. And have. The CPU 110, the input unit 120, the display unit 130, the storage unit 140, the communication unit 150, and the reader / writer unit 160 are connected by a bus 170.

【0047】

CPU110 is an OS (Operating) Based on a control program such as System), an electronic money charge program (described later) is executed to encrypt credit information received from the IC card 300. The input unit 120 is an input means for the user to input various data such as a personal identification number and the amount of electronic money to be charged, and is a various pointing device such as a mouse or a keyboard for selecting a menu on the screen and inputting data. It has an image scanner and the like. The display unit 130 using the display device is used for the user to monitor the input results of various data, and displays various menu screens, processing results, and the like. The storage unit 140 includes a fixed disk device such as a hard disk, data storage means such as a flexible disk and an optical disk, and data temporary storage means such as RAM. The data storage means stores the electronic money charge program, the OS, and the like. The data temporary storage means temporarily stores the input / output data when the CPU 110 executes the electronic money charge program. The communication unit 150 performs data communication with the electronic money server 600 or the like via a communication line. As the communication unit 150, a modem, a terminal adapter, or the like can be used depending on the type of communication line (including wired / wireless, LAN / Internet, analog / digital, etc.). The reader / writer unit 160 has a function of transmitting and receiving electronic money information, credit information, and the like to and from the IC card 300.

【0048】

FIG. 3 shows an example of the configuration of the IC card 300 of FIG. The IC card 300 has a main control unit (hereinafter referred to as "CPU") 310, an input / output interface unit 320, and a storage unit 340, which are connected by the CPU 310, the input / output interface unit 320, the storage unit 340, and the bus 330. ing.

【0049】

The CPU 310 performs a process of charging electronic money based on an electronic money application program (described later) or the like, a process of performing personal authentication of a user based on a personal authentication ID (personal identification number) received from the user terminal 100, and storage of a storage unit 340. Performs processing such as creating a card authentication ID (sometimes referred to as IC card information) by encrypting the verification result of personal authentication. The input / output interface unit 320 transmits / receives personal authentication ID, card authentication ID, electronic money information, credit information, etc. to and from the user terminal 100. The storage unit 340 uses a data rewritable non-volatile memory such as EEPROM, and has an electronic money information storage unit 350 and a credit information storage unit 360. The electronic money information storage unit 350 includes an electronic money application program, electronic money having value as money, the name of the electronic money application held by the IC card 300, the ID number of the electronic money application, and the electronic money to be charged. Stores electronic money information including an amount, a code representing an electronic money application type, a transaction serial number for identifying an electronic money charge transaction, an electronic signature, and the like. The credit information storage unit 360 stores a credit application program, credit information including a credit card number and the amount of electronic money to be charged, as well as a personal identification ID (for example, a personal identification number) corresponding to the credit card number. It has a personal identification number storage unit 370 and a personal identification verification result storage unit 380 that stores the verification result of the personal identification performed by the CPU 310.

【0050】

FIG. 4 shows an example of the flow of information in the electronic money charging system. Based on FIG. 4, an example in which a user purchases electronic money by using the credit function of the IC card as a payment method for purchasing electronic money to be charged to the IC card 300 will be described.

【0051】

Processing (1) First, in order to charge the IC card 300 with electronic money, the user inputs a personal identification number (personal authentication ID) given by the credit card issuing company from the keyboard of the user terminal 100. The user terminal 100 transmits a personal identification number to the IC card 300.

【0052】

Processing (2) Next, the user inputs the amount of electronic money to be charged to the IC card 300 from the keyboard of the user terminal 100. Next, the user terminal 100 transmits the amount of the electronic money to be charged to the IC card 300.

【0053】

Processing (3) Based on the password received in the above process (1), the IC card 300 reads out the password stored in the IC card 300 for personal authentication and collates it with the entered password (determination of whether or not there is a match). ) And authenticate the person. If a match determination is obtained, the user is authenticated as the owner of the IC card 300.

【0054】

The IC card 300 then encodes the result of personal authentication as to whether or not the owner of the IC card 300 has been authenticated, for example, "00000010000000" to generate a personal authentication verification result. Then, the IC card information (card authentication ID) is generated by encrypting the personal authentication verification result, the amount of electronic money to be charged, the transaction date, and the like. Then, the IC card 300 transmits the information in the IC card, the electronic money information, the credit information, and the like to the user terminal 100. The user terminal 100 side further performs encryption processing in order to transmit information to the financial institution side system 500 via the network 800, and the data used as the encryption key in the encryption, for example, the personal authentication verification result. Is also transmitted to the user terminal 100 together with the information in the IC card.

【0055】

Processing (4) The user terminal 100 uses an encryption key (encryption key) for the amount of electronic money to be charged to the IC card 300 input by the user from the user terminal 100, the transaction date, the information in the IC card received from the IC card 300, the electronic money information, the credit information, and the like. As an example, it is further encrypted using the personal authentication verification result) to generate data for transmission. The generated transmission data is transmitted from the user terminal 100 to the electronic money server 600.

【0056】

Processing (5) The electronic money server 600 decodes the transmission data received from the user terminal 100, extracts only the electronic money information for processing by itself from the transmission data, and transmits the remaining transmission data to the host computer 700. ..

【0057】

Processing (6) The host computer 700 determines whether or not the IC card 300 is true based on the remaining transmission data (credit information, information in the IC card, etc.) received. More specifically, the encrypted data generated by encrypting the data to be encrypted at the time of generating the information in the IC card in the IC card 300 is collated with the information in the IC card generated in the IC card 300. , If both match, the IC card 300 is determined to be true. When the IC card 300 is determined to be true, the host computer 700 makes a credit authorization determination with reference to the member information 710, and transmits the determination result to the electronic money server 600.

【0058】

Processing (7) When the credit determination result received from the host computer 700 is the credit authorization for the user, the electronic money server 600 reduces the electronic money in the electronic money server 600 by the amount of the electronic money specified by the user, and the user terminal 100 Instructs the user terminal 100 to charge the transmitted electronic money to the IC card 300 possessed by the user.

【0059】

Processing (8) The user terminal 100 transmits the electronic money received from the electronic money server 600 to the IC card 300, and issues an electronic money charge command to the IC card 300. The IC card 300 charges the electronic money information storage unit 350 with the electronic money transmitted from the user terminal 100 in response to the electronic money charge command from the user terminal 100. The price of the electronic money purchased by the user using the credit card in this way is paid by the card issuer at the time of billing for other products purchased by the user at a general store using the credit function of the IC card 300. Will be charged to.

【0060】

Next, the operation of the user terminal 100 will be described with reference to FIG. When the user purchases electronic money using the credit function of the IC card 300 and activates the electronic money charge program stored in the storage unit 140 to charge the IC card 300, the CPU 110 performs the following processing. ..

【0061】

First, the CPU 110 displays the process selection screen as shown in FIG. 8 on the display screen of the display unit 130. On the process selection screen (Fig. 8), for example, "electronic money charge", which is an option for selecting a process for charging electronic money to the IC card 300, and checking the balance of electronic money in the IC card 300 are performed. Options such as "electronic money balance check" are displayed.

【0062】

When the user inputs the number "1" for selecting "electronic money charge" from the process selection number input field 8a on the process selection screen (Fig. 8) and accepts the process selection by operating the enter button 8b. , CPI110 shifts the display screen to the electronic money charge processing main screen as shown in FIG. 9, then displays the card insertion screen as shown in FIG. 10, and instructs the user to insert the IC card 300. (S1000-S1005).

【0063】

When the CPU 110 confirms that the IC card 300 has been inserted into the reader / writer device 200 of the reader / writer unit 160, the CPU 110 displays a payment method selection screen as shown in FIG. 11 on the display screen of the display unit 130. On the payment method selection screen (Fig. 11), the name of the credit card specified for payment using the credit card function of the IC card 300 and the name of the bank to be specified for payment by withdrawal from the bank account are displayed. It is displayed as an option for payment methods for electronic money charges. The CPU 110 instructs the user to select the payment method by displaying the payment method selection screen (FIG. 11) on the display screen of the display unit 130 (S1010-S1015).

【0064】

The user accepts the input of the number "1" for selecting the payment by credit card from the payment method number input field 11a on the payment method selection screen (Fig. 11) and the selection of the payment method by the operation of the enter button 11b. Then, the CPU 110 shifts the display screen of the display unit 130 to the screen after selecting the payment method as shown in FIG. 12, and then displays the charge amount input screen as shown in FIG. 13 to charge the user. Instruct to enter the amount of money (S1020-S1025).

【0065】

Since the charge amount input field 13a is provided on the charge amount input screen (Fig. 13), the user inputs the amount of electronic money to be charged from here and operates the enter button 13b to perform the user. Enter the amount of electronic money to be charged to the terminal 100. In this example, the user selects a credit card as the payment method, so if the amount is within the range that the credit card issuing company allows credit, the electronic money that the user wants to charge regardless of the balance of the user's bank account, etc. You can specify and enter the amount of money. Upon receiving the input of the amount of electronic money to be charged from the user, the CPU 110 instructs the IC card 300 to read the credit card number, etc. via the communication unit 150 (S1030-S1035).

【0066】

When the CPU 110 receives the credit card number or the like from the IC card 300 via the communication unit 150, the CPU 110 shifts the display screen of the display unit 130 to the password input screen as shown in FIG. 14, and gives the user a credit card. Instruct to enter the PIN (personal authentication ID) of (S1040-S1045).

【0067】

Since the PIN code input field 14a is provided on the PIN code input screen (Fig. 14), the user inputs the PIN code registered in advance with the credit card issuing company at the time of issuing the credit card, and then the enter button. Operate 14b to confirm the input of the password for the user terminal 100. Upon receiving the input of the personal identification number from the user, the CPU 110 transmits the personal identification number to the IC card 300 via the communication unit 150 (S1050-S1055).

【0068】

The IC card 300 performs personal authentication based on the personal identification number transmitted by the CPU 110, and sends a notification of the end of personal authentication to the user terminal 100. Therefore, the CPU 110 notifies the end of personal authentication via the communication unit 150. Is received, the amount of electronic money to be charged, the transaction date on the day of the electronic money charge processing, etc. entered in S1030 are transmitted to the IC card 300 via the communication unit 150, and the IC is sent to the IC card 300. Instructs the generation of in-card information (card authentication ID) (S1060-S1065).

【0069】

Based on the instruction to generate the information in the IC card, the information in the IC card, the electronic money information, the verification result of the personal authentication, etc. are transmitted from the IC card 300. When the CPU 110 acquires such information via the communication unit 150, the CPU 110 transitions the display screen of the display unit 130 to a confirmation screen as shown in FIG. 15 and instructs the user to confirm the transaction details.

【0070】

On the confirmation screen (Fig. 15), the payment method selected by the user on the payment method selection screen (Fig. 11) and the amount of electronic money to be charged entered on the charge amount input screen (Fig. 13) are displayed. Therefore, if there is no mistake in the displayed contents, the user inputs to the user terminal 100 that the transaction contents have been confirmed by operating the OK button 15a (S1070-S1075).

【0071】

Upon receiving confirmation of the transaction details from the user, the CPU 110 sets the amount of electronic money to be charged and the transaction date to the IC card information, electronic money information, credit information, etc. received from the IC card 300 via the communication unit 150. The personal authentication verification result is added, these are encrypted using an encryption key, and transmission data for transmission to the electronic money server 600 is generated. Then, the generated transmission data is transmitted to the electronic money server 600. While transmitting the transmission data to the electronic money server 600, the CPU 110 displays the transaction screen as shown in FIG. 16 on the display screen of the display unit 130, and the user terminal 100 can charge the electronic money. Notify the user that the user is inquiring whether or not it can be done (S1080-S1082).

【0072】

After the host computer 700 performs card authentication based on the credit information included in the transmission data, the electronic money server 600 sends a response message to the CPU 110 based on the result of the determined credit determination. .. When the response message received by the CPU 110 via the communication unit 150 is electronic money, the CPU 110 transmits and transmits the electronic money received from the electronic money server 600 to the IC card 300 via the communication unit 150. Instruct to charge electronic money. On the other hand, when the response message received by the CPU 110 is error information, the transaction failure screen as shown in FIG. 18 can be displayed on the display screen of the display unit 130, and the user can be charged with electronic money. Notify that it was not (S1090-S1097).

【0073】

When the CPU 110 transmits electronic money information to the IC card 300 via the communication unit 150, the IC card 300 sends a result notification indicating whether or not the electronic money can be charged.

【0074】

When the result notification received by the CPU 110 via the communication unit 150 is a transaction completion notification, the CPU 110 displays a transaction success screen as shown in FIG. 17 on the display screen of the display unit 130, and electronically informs the user. Notify that the money has been charged correctly. On the other hand, when the result notification received by the CPU 110 via the communication unit 150 is an error notification, the CPU 110 displays a transaction failure screen as shown in FIG. 18 on the display screen of the display unit 130, and electronically informs the user. Notify that the money could not be charged (S1100-S1102).

【0075】

When the user confirms the balance of electronic money in the IC card 300 after charging the electronic money, the user has an option to confirm the balance of electronic money from the processing selection screen (Fig. 8), "Electronic money balance". By inputting "2", which is a number for selecting "check", and operating the enter button 8b, a balance inquiry request can be issued to the user terminal 100. When the CPU 110 receives the balance inquiry request from the user in this way, the CPU 110 displays a balance confirmation screen as shown in FIG. 19 on the display screen of the display unit 130, and notifies the user of the balance of electronic money.

【0076】

Next, the operation of the IC card 300 will be described with reference to FIG. When the IC card 300 is inserted into the reader / writer device 200, which is the reader / writer unit 160, by the user, the CPU 310 activates the credit application program and the electronic money application program, and performs the following processing. First, when an instruction such as reading a credit card number is received from the user terminal 100 via the input / output interface unit 320, the credit card number or the like stored in the credit information storage unit 360 is read, and the user terminal is read via the input / output interface unit 320. Send the credit card number etc. to 100 (S2000-S2015).

【0077】

When the CPU 310 receives the personal identification number (personal authentication ID) from the user terminal 100 via the input / output interface unit 320, the CPU 310 determines whether or not the received personal identification number matches the personal identification number stored in the credit information storage unit 360. The operator of the user terminal 100 authenticates himself / herself whether or not he / she is the owner of the IC card 300. Regardless of the result of the personal authentication, the CPU 310 sends a personal authentication completion notification to the user terminal 100 via the input / output interface unit 320 to notify that the personal authentication work has been completed (S2020-S2022).

【0078】

Next, the CPU 310 receives a request for generating IC card information (card authentication ID) together with the amount of electronic money to be charged from the user terminal 100 and the transaction date via the input / output interface unit 320. First, the CPU 310 encodes the result of the personal authentication performed in S2021 as "00000010000000", for example, and generates the personal authentication verification result. Then, the amount of electronic money to be charged, the transaction date, and the like are added to the personal authentication verification result and encrypted to generate the information in the IC card. Then, the information in the IC card, the electronic money information stored in the electronic money information storage unit 350, the credit information stored in the credit information storage unit 360, and the personal authentication verification result are transmitted to the user via the input / output interface unit 320. Send to terminal 100. (S2030-S2032).

【0079】

When the CPU 310 receives electronic money and an electronic money charge instruction from the user terminal 100 via the input / output interface unit 320, the received electronic money amount is stored in the electronic money information storage unit 350 in the IC card 300. Electronic money is charged by adding it to the balance of money and writing the total result in the electronic money information storage unit 350. When the electronic money is successfully charged, the CPU 310 transmits a transaction completion notification to the user terminal 100 via the input / output interface unit 320.

【0080】

On the other hand, if the charge is not successful, the CPU 310 transmits an error notification to the user terminal 100 via the input / output interface unit 320 (S2040-S2047).

【0081】

Next, the operation of the electronic money server and the host computer will be described with reference to FIG. 7. When the electronic money server 600 receives the transmission data from the user terminal 100, the electronic money server 600 decodes the transmission data and extracts the electronic money information used by itself. Then, the remaining transmission data from which the electronic money information has been extracted is transmitted to the host computer 700 (S3000-S3002).

【0082】

When the host computer 700 receives the remaining transmission data (credit information, information in the IC card, etc.) from the electronic money server 600, the host computer 700 determines whether or not the IC card 300 is true by following the following procedure.

【0083】

The host computer 700 encrypts the data to be encrypted when the information in the IC card is generated in the IC card 300, for example, the personal authentication verification result, the amount of electronic money to be charged, the transaction date, and the like. Then, the generated encrypted data and the information in the IC card generated in the IC card 300 are collated, and when both match, it is determined that the IC card 300 is true.

【0084】

If the IC card 300 is determined to be true, the host computer 700 refers to the member information 710 to perform credit authorization and creates a response indicating the result. If it is determined that credit is accepted, a credit authorization response will be prepared. On the other hand, if it is determined that credit is not accepted, a credit refusal response is created. Then, regardless of the result of the response content, the response content is transmitted to the electronic money server 600 (S3020-S3028).

【0085】

When the response content received from the host computer 700 is a credit authorization response, the electronic money server 600 subtracts the electronic money in the electronic money server 600 by the amount of electronic money specified by the user to the user terminal 100. And instruct the user terminal 100 to charge the transmitted electronic money to the IC card 300 possessed by the user. On the other hand, when the response content is a credit refusal response, the electronic money server 600 does not transmit electronic money to the user terminal 100, but transmits only error information (S3030-S3037).

【0086】

As described above, in the present embodiment, when the identity is authenticated by the IC card 300 and the identity is confirmed, the card authentication ID for performing the card authentication by the host computer 700 in the IC card 300 is used. create. Therefore, since the ID for personal authentication of the IC card owner does not flow on the communication network, the security of the IC card-related information is ensured. Further, the card authentication ID created in the IC card 300 is encrypted on the IC card 300 side, and is further encrypted in the user terminal 100 before being transmitted via the network 800. , Its safety is further enhanced.

【0087】

The above-described embodiment has described a mode in which electronic money is charged using a communication network such as the Internet. Since the IC card 300 of the present embodiment has two functions of a credit card and an electronic money card, the IC card 300 of the present embodiment can be used as a credit card or an electronic money card for each purpose as in the conventional case. Can be done.

【0088】

When using the IC card 300 as a credit card, insert the IC card 300 into a dedicated terminal for the credit card (not shown). The dedicated terminal and the host computer 700 are connected by a dedicated telephone line, and the necessary information is read from the credit information storage unit 360 in the IC card 300 via the CPU 110 by a remote instruction from the host computer. The necessary information may be read only from the dedicated terminal while the dedicated terminal and the host computer 700 are offline. The host computer 700 performs personal authentication and card authentication based on the read information. At this time, for personal authentication and card authentication, the same authentication method as in the above-described embodiment can be used. Since the authentication result of the host computer 700 is displayed on the dedicated terminal, the product seller decides whether or not to pay with the IC card 300 based on the display result.

【0089】

Next, a case where the IC card 300 is used as an electronic money card will be described. Usually, an electronic money server similar to the electronic money server 600 is installed in the store of the product seller. The IC card 300 is inserted into a card reader / writer connected to the electronic money server, and the electronic money information in the electronic money information storage unit 350 in the IC card 300 is read / written by the CPU 110 according to an instruction from the electronic money server. The electronic money server reads money information indicating the balance from the IC card 300 in order to check the balance of the IC card. In addition, the electronic money of the electronic money information storage unit 350 of the IC card 300 is updated via the CPU 110 for payment.

【0090】

Next, other embodiments will be described. 1) In the above-described embodiment, a case where a bank or the like that issues electronic money owns an electronic money server 600 and a credit card issuing company owns a host computer 700 has been described as an example, but the present invention has this case. In other embodiments, it is conceivable that both the electronic money server 600 and the host computer 700 are held by the same financial institution, for example, a credit card company or a bank. Further, the user terminal 100 is not only owned by the IC card 300 holder himself, but may be installed in a convenience store or other place.

【0091】

2) In the above-described embodiment, the case where the electronic money is purchased by using the credit function provided in the IC card 300 as a payment means and the electronic money is charged to the IC card 300 has been described as an example. As described above, it is conceivable to use only the credit function of the IC card 300, use only the electronic money of the IC card 300, or use them together. In addition, the electronic money provided in the IC card 300 may be used to pay the credit card usage fee billed by the credit card company.

【0092】

3) The program executed by the IC card 300, the user terminal 100, the electronic money server 600, the host computer 700, etc. may be transferred to the above device using a portable recording medium or communication. Therefore, the concept of a recording medium of the present invention includes a storage device in the device, for example, an IC memory, a hard disk, a portable recording medium, for example, a CDROM, and the like.

【0093】

4) In the above embodiment, the card authentication ID is created on the IC card 300 side, but as another example of creation, the card authentication ID itself is stored in a predetermined storage area in the IC card 300. Can be considered. In this case, security is lower than when creating an ID for card authentication by encrypting using an encryption key, but since information processing is simplified, the memory capacity in the IC card is limited. Effective in some cases.

【0094】

5) Regarding the encryption method for encryption with an IC card or user terminal, for security reasons, the method actually used by the credit company cannot be disclosed, but a well-known encryption method can be used.

【0095】

6) As a program or the like for inputting information on the user terminal 100 side, a program installed on the user terminal 100 or a markup language document such as an HTML document or an XML document received from the electronic money server 600 may be used.

【0096】

7) In the above-described embodiment, the case where the data to be encrypted at the time of data generation in the user terminal 100 is the amount of electronic money, the transaction date, the information in the IC card, the electronic money information, and the credit information is an example. However, the present invention is not limited to this case, and in other embodiments, more information about the type or number of data is used as the data to be encrypted to generate data for transmission. You may do it.

【0097】

8) In the above-described embodiment, the case where a rewritable non-volatile memory such as EEPROM is used as the storage unit 340 of the IC card 300 has been described as an example, but the present invention is not limited to this case. In other embodiments, it is also conceivable to use non-rewritable memory, such as ROM.

【0098】

9) In the above-described embodiment, after the CPU 110 receives the information in the IC card, the electronic money information, the verification result of the personal authentication, etc. from the IC card 300 via the communication unit 150, the display screen of the display unit 130 is confirmed. The case of transitioning to the screen (FIG. 15) and instructing the user to confirm the transaction details has been described as an example, but the present invention is not limited to this case. In another embodiment, the confirmation screen (FIG. 15) is displayed on the display unit 130 first, and after the user confirms the transaction details, the information in the IC card and the electronic money information are displayed from the IC card 300. , It is also possible to receive the verification result of personal authentication.

【0099】

10) In the above-described embodiment, the data to be encrypted at the time of generating the information in the IC card in the IC card 300 is encrypted in the host computer 700, and the generated encrypted data and the generated in the IC card 300 are generated. The case where the host computer 700 determines the authenticity of the IC card 300 by collating the information in the IC card is described as an example, but the present invention is not limited to this case. In another embodiment, the IC card information generated in the IC card 300 is compounded in the host computer 700, and the authenticity of the card is determined by confirming whether or not the compounding is possible. It is also possible.

【0100】

As described above, according to the present embodiment, since the IC card equipped with electronic money also has a credit card function, the IC card is not limited to the account balance of the cardholder or the cash balance on hand. It is possible to charge electronic money to. It is also possible to buy products using only the credit card function of the IC card. Further, according to the present embodiment, since the personal identification number of the IC card does not flow on the communication network, the IC card can be safely charged with electronic money.

【0101】

[Effect of the invention]

As described above, according to the inventions of claims 1 to 4, 8 to 10, 12, 16, 20, 22, 24, 25, electronic money information is purchased by credit card payment and charged to an IC card. Can be replenished.

【0102】

According to the inventions of claims 5 to 7 and 17 to 19, after performing personal authentication on the IC card side based on the personal authentication ID, the card authentication generated on the IC card side based on the authentication result and the like. Since the card authentication is performed with the ID for personal authentication, the ID for personal authentication does not leak to the external environment, and its security is ensured.

【0103】

In the inventions of claims 11, 13, 21, and 23, a plurality of data are included in the card authentication ID encrypted on the IC card side, and the data is further encrypted on the user terminal side. It becomes difficult to decipher.

【0104】

In the inventions of claims 14 and 15, the handling explanation of the IC card and the information input guidance can be provided by using the Internet or the intranet.

[Simple explanation of drawings]

[Figure 1]

It is a figure which shows an example of the system configuration of the electronic money charge system.

[Figure 2]

It is a figure which shows an example of the structure of a user terminal.

[Fig. 3]

It is a figure which shows an example of the structure of an IC card.

[Fig. 4]

It is a figure which shows an example of the flow of information in an electronic money charge system.

[Fig. 5]

It is a flowchart which shows an example of the operation of a user terminal.

[Fig. 6]

It is a flowchart which shows an example of the operation of an IC card.

[Fig. 7]

It is a flowchart which shows an example of the operation of an electronic money server and a host computer.

[Fig. 8]

It is a figure which shows an example of the process selection screen.

[Fig. 9]

It is a figure which shows an example of the electronic money charge processing main screen.

[Fig. 10]

It is a figure which shows an example of a card insertion screen.

[Fig. 11]

It is a figure which shows an example of the payment means selection screen.

[Fig. 12]

It is a figure which shows an example of the screen after selection of a payment means.

[Fig. 13]

It is a figure which shows an example of the charge amount input screen.

[Fig. 14]

It is a figure which shows an example of the password input screen.

[Fig. 15]

It is a figure which shows an example of the confirmation screen.

[Fig. 16]

It is a figure which shows an example of the screen during transaction.

[Fig. 17]

It is a figure which shows an example of a transaction success screen.

[Fig. 18]

It is a figure which shows an example of a transaction failure screen.

[Fig. 19]

It is a figure which shows an example of the balance confirmation screen.

[Explanation of symbols]

100 user terminal 110 Main control unit (CPU) 120 Input section 130 Display 140 memory 150 Communication Department 160 Reader / Writer section 170 bus 200 reader / writer device 300 IC card 310 Main control unit (CPU) 320 I / O interface 330 bus 340 Memory 350 Electronic money information storage 360 Credit Information Storage 370 PIN storage 380 Personal authentication verification result storage unit 500 Financial institution side system 600 electronic money server 610 Electronic money information 700 host computer 710 Member information 800 networks