JPH022479A - Prepaid card system - Google Patents

Abstract

PURPOSE:To make it possible to specify a medium processing means altered so as to form an illegal demand information by specifying a processing means bearing the responsibility of consistency between data by processing means identification (ID) information included in data at the time of detecting the consistency. CONSTITUTION:A prepaid card system is constituted of a card 100, card processing means 200-1 to 200-n, an information transmitting means 300, and a card control means 400. A card information access part 420 in the means 400 receives card processing information received by a control information communication part 410 and checks the validity of the card processing information while referring the contents of a card information control part 430. When the information is valid, the contents of a card control information storage part 431 in the control part 430 are updated, and when it is invalid, a card processing means ID code of a card processing means 200-i specified as to invalid execution is informed to an invalid card processing means informing part 440.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention can be issued and sold to an unspecified number of individuals and organizations for payment of transportation fares and product prices to vending machines, etc. The present invention relates to a prepaid card system using a storage medium such as a magnetic card or an IC card.

[Conventional technology]

Conventionally, this type of card system (for example, JP-A-61-
No. 237185) is used in public telephones, public transportation ticket sales, automatic product sales, and the like. When a card is loaded, a media processing means, such as a telephone, an automatic ticket vending machine, or a vending machine, which is a component of a conventional system, reads the balance information stored on the card, deducts the amount used from this balance information, and updates the balance. After that, this updated balance information is stored in the card again.

[Problem to be solved by the invention]

In a prepaid card system, the person who issues and sells storage media such as magnetic cards is a business or business division that owns the media processing means and is independent of businesses or business divisions that sell various service products. In some cases, fraudulent activity may occur, such as billing the media publisher's business or business division for more money than was actually used. Conventional prepaid card systems suffer from the inability to identify fraudulent media processing means that have been tampered with to create such fraudulent billing information.

[Means to solve the problem]

The system of the present invention temporarily connects a plurality of storage media storing first amount information, processing means identification information, and medium identification information assigned to the system, and one of the plurality of storage media. a first update unit that updates the first amount information stored in the storage medium based on the first usage amount information when the storage medium is used; and the medium identification information stored in the storage medium and the storage medium. the processing means identification information, second usage amount information corresponding to the first usage amount information, and second usage amount information corresponding to the first usage amount information stored in
a first storage unit that stores data including amount information;
a plurality of processing means each including a second updating section that updates the processing means identification information stored in the storage medium with processing means identification information assigned to the processing means; and a plurality of processing means stored in the first storage section. A transmission means for transmitting the data, a second storage section for receiving and storing the data from the transmission means, and a discrepancy between the data stored in the second storage section is checked and when a discrepancy is detected, the discrepancy is detected. and a management means that includes a contradiction detection unit that identifies the processing means that is responsible for the processing using the processing means identification information included in the data.

Another system of the present invention includes a plurality of storage media each storing first amount information and medium identification information assigned to itself, and when temporarily connected to one of the plurality of storage media. an updating unit that updates the first amount information stored in a storage medium based on the first usage amount information; and an updating unit that updates processing means identification information assigned to itself and the medium identification information stored in this storage medium. A plurality of storage units each including a first storage unit storing data including second usage amount information corresponding to the first usage amount information and second usage amount information corresponding to the first usage amount information. a processing means, a transmission means for transmitting the data stored in the first storage section, a second storage section for receiving and storing the data from the transmission means, and a second storage section for receiving and storing the data from the transmission means; and a contradiction detection unit that, when a contradiction is detected, identifies the processing means responsible for the contradiction using the processing means identification information included in the data.

〔Example〕

Next, the present invention will be explained in detail with reference to the drawings.

Referring to FIG. 1, the first embodiment of the present invention includes a card 100, a data storage section 110, a card management code storage section 120, and n (positive integer) card processing means 200-
1 to 200-n card processing means identification code storage section 210
, a card access section 220 , and a processing information communication section 230
, card management information storage section 231 , and information transmission means 30
0, card management means 400, and management information communication section 410
, a card information access section 420 , a first card information management section 430 , a first card management information storage section 431 , and a fraudulent card processing means notification section 440 .

The card 100 is a storage medium such as an IC card or a magnetic card that has a data storage function, and is used as a prepaid card. The data storage section 110 and the card management code section 120 are updated each time the card is inserted into the card processing means/200 and used.

The card processing means 200-1 to 200-n are, for example, automatic ticket vending machines or in-vehicle devices of taxis.

These include soft drink vending machines. Processing means 20〇-1
~200-n is assigned a unique card processing means identification code, and this code is stored in the card processing means identification code storage section 210 in the corresponding processing means, and when the card 100 is inserted, the card 100 into the card management code storage section 120. The card access unit 220 reads stored information from the inserted card 100, performs processing such as ticket sales and fare/charge settlement, and updates the stored information of the balance stored in the data storage unit 110.

The processing information communication section 230 transmits the information of the card 100 updated by the card access section 220, that is, the information from the storage section 231 storing the card processing information, to the card management means 400 via the information transmission means 300.

The information transmission means 300 is realized by an online communication network or a floppy disk, and is used to transmit the card processing information between a plurality of card processing means 200 and one card management means 400. Card management means 400 is realized by an electronic computer system, and integrally manages information on all issued cards. The management information communication section 410 receives the card processing information sent from the plurality of card processing means 200 via the information transmission means 300.

The card information access section 420 is connected to the management information communication section 410.
The card processing information received at Check validity. If it is legitimate, card information management department 4
Update the contents of the card management information storage section 431 in 30,
If it is not valid, the fraudulent card processing unit notification unit 440 is notified of the card processing unit identification code of the card processing unit 200-i (i is a positive integer equal to or less than n) identified as having been fraudulently committed.

The card information management section 430 stores information on all issued cards, and is updated to the latest state by the card information access section 420. For example, the card management information storage unit 4
The card management information stored in 31 is information regarding the card 100 and includes a card identification code, a card processing means identification code, and update history data indicating the update history of the data storage section 110 of the card 100. The unauthorized card processing means notification section 440 receives the card processing means identification code of the card processing means 200-i that is determined to be invalid by the card information access section.

A series of operations of the first embodiment of the present invention will be described with reference to FIGS. 1 to 4.

FIG. 2 shows the flow of processing when the card 100 is inserted into an unauthorized card processing means 200-i that has been assigned "Work 2" as the card processing means identification code.

FIG. 3 shows that a fair card processing means 200-j (j is a positive integer less than or equal to n) assigned rI and J as a card processing means identification hood is given a processing means 200-j in FIG.
The flow of processing when the card 100 ejected from i is inserted is shown.

First, the data storage unit 11 that stores the first balance (zl)
A card 100 having a card processing means identification code "TECHNO" of the card processing means that has most recently undergone processing, and a card management code storage section 120 that stores its own card identification code (ID) is a fraudulent card processing means. 200-i
(Step 1 in Figure 2). Processing means 200
- i reads the first balance (Z,), code (ID) and (TE,) from the card 100 (step 2);

Next, a second balance (Z2) obtained by subtracting the card user's usage amount, that is, the first usage amount (X2) from the first balance (zl), is stored in the storage unit 110, and the card user's usage amount is stored in the storage unit 120. The processing means identification code "■2" is stored (step 3). Thereafter, this card 100 is ejected from the processing means 200-i (step 4).

Next, the card access section 22 of this processing means 200-i
0, and as a result, the first usage amount (x
2) is altered to an unreasonably high second usage amount (X2'), and the second balance (z2) is also altered to an unreasonably low third balance (zz') (step 5). ), this second usage amount (X2') and third balance (Z2') are the code (English, ) and (ID) read in step 2 and the code (English, ) stored in Step 3. At the same time, the card information access unit 420 is notified via the information transmitter stage 300 and the management information communication unit 410 (step 6.7).

The access unit 420 accesses the storage unit 4 based on the code (ID).
31, and the total of the second usage amount (X2') and the third balance (Z2') is stored in the card management information storage unit 431.
It is checked whether the balance matches the first balance (zl) stored in (steps 8 and 9).

Since the second usage amount (X2') and the third balance (Z2') have been falsified so that they match, the access unit 42
0 indicates the second usage amount (X
2') and the third balance (Z2') are stored (step 10).

Next, the card 100 ejected in step 4 is
The card is inserted into a fair card processing means 200-j (step 11 in FIG. 3). The processing means 200-j calculates the second balance (z2) stored in the storage unit 110 based on the card user's usage amount, that is, the third usage amount (X3), similarly to steps 2 to 4. Food (work 2) updated to the balance of 4 (z3) and stored in the storage unit 120
After updating to (■3), the card 100 is ejected (step 12.13.14). 4th balance (2,), 3rd
The usage amount (x3) of The information access unit 420 is notified (step 15.16). Third usage amount (
It is checked whether the sum of X, ) and the fourth balance (z3) matches the third balance (Z2') stored in the card management information storage section 431 (step 17.18).

The third balance (Z2') has been tampered with and therefore does not match, and when it is determined that the card processing means 200-i has committed fraud based on the received card processing means identification code (Z2'), FIG. 2 shows a block diagram of the second embodiment.

In the figures, the same components as in the first embodiment are indicated by the same reference numerals. In this embodiment, the card processing means identification code is not stored in the card management code storage section 120 of the card 100, but is stored in the card management information storage section 451 in the card management means 400.

A series of operations of the second embodiment of the present invention will be described with reference to FIGS. 5 to 8.

FIG. 6 t shows "I2" as the magnetic card processing means identification code.
The flow of processing when the card 100 is inserted into the unauthorized card processing means 200-i to which "" is assigned is shown.

FIG. 7 shows the card 10 ejected from the processing means 200-i in FIG.
The flow of processing when inserting 0 is shown.

First, the data storage unit 11 that stores the first balance (zl)
0 and the card management code storage section 120 storing its own card identification code (ID) is inserted into the fraudulent card processing means 200-i (step 20 in FIG. 6). The processing means 200-i reads the first balance (zl) and code (ID) from the card 100 (step 21). Next, a second balance (I2) obtained by subtracting the card user's usage amount, that is, the first usage amount (I2) from the first balance (zl), is stored in the storage unit 110 (step 22). After this, this card 100 is ejected from the processing means 200-i (step 23).

Next, the card access section 22 of this processing means 200-i
As a result, the first usage amount (I
2) is altered to an unreasonably high second usage amount (X2'), and the second balance (I2) is also altered to an unreasonably low third balance (Z2') (step 24). ), this second usage amount (X2') and the third
The balance (Z2') is determined by the code (ID) read in step 21 and the identification code (Z2') of the processing means 200-i.
I2) and the card information access section 420 is notified via the information transmission means 300 and the management information communication section 410 (step 25).

The access unit 420 accesses the storage unit 451 based on the code (ID), and the total of the second usage amount (X2') and the third balance (Z2') is stored in the card management information storage unit 4.
51 (step 26.27). The second usage amount (X2') and the third balance (Z2'
) has been tampered with, the access unit 420 stores the code (I2), the second usage amount (X2'), and the third balance (Z2') in the card management information storage unit 451 (step 28).

Next, the card 100 ejected in step 23 is inserted into the fair card processing means 200-j (seventh card processing means 200-j).
Step 29 in the figure). The processing means 200-j processes the storage unit 110 based on the amount spent by the card user, that is, the third amount used (I3), similarly to steps 21 to 23.
The second balance (I2) stored in the fourth balance (I3)
Eject card 100 after updating to (step 30)
to 32). Fourth balance (2,), third usage amount (
I3) and the card 100 identification code (ID) read out and recognized from the storage section of the card 100 are notified to the card information access section 420 via the information transmission means 300 and the management information communication section 410 (step 33)
. It is checked whether the sum of the third usage amount (X,) and the fourth balance (I3) matches the third balance (Z2') stored in the card management information storage section 451 (step 34). .35). The third balance (zz') does not match because it has been tampered with, and the card processing means 200 - first and second In the embodiment, an example was shown in which information is transferred from the card processing means to the card management means each time one card is processed, but information on multiple cards may be accumulated and then transferred all at once. You can do it like this.

〔Effect of the invention〕

As explained above, the present invention has the effect of being able to identify a fraudulent medium processing means that internally falsifies the usage amount and the like.

[Brief explanation of the drawing]

FIG. 1 is a block diagram of the first embodiment of the present invention, FIGS. 2 and 3 are flowcharts showing a series of operations in the first embodiment, FIG. 4 is a diagram showing the flow of information, and FIG. This figure is a block diagram of the second embodiment, FIGS. 6 and 7 are flowcharts showing a series of operations in the second embodiment, and FIG. 8 is a diagram showing the flow of information. 100...Storage medium, 110...Data storage unit, 120...Card management code storage unit, 200...Card processing means, 210...
...Card processing means identification code storage section, 220...
... Card access section, 230 ... Processing information communication section, 231 ... Card processing information storage section, 30
0... Information transmission means, 400... Card management means, 410... Management information communication department, 42
0...Card information access section, 430...
... Card information management section, 431 ... Card management information storage section, 440 ... Unauthorized card processing means notification section, 450 ... Card information management section, 451 ...
...Card management information storage unit. Foil? Σ 11 i5 Figure 5 times

Claims (2)

[Claims] (1) When a plurality of storage media storing the respective first amount information, processing means identification information, and medium identification information assigned to itself are temporarily connected to one of the plurality of storage media; a first updating unit that updates the first amount information stored in the storage medium based on the first usage amount information;
The medium identification information stored in this storage medium, the processing means identification information stored in this storage medium, second usage amount information corresponding to the first usage amount information, and corresponding to the first usage amount information a first storage unit that stores data including second amount information to be used; and a second update unit that updates the processing means identification information stored in the storage medium with the processing means identification information assigned to itself. a plurality of processing means, each of which includes a plurality of processing means; a transmission means for transmitting data stored in the first storage unit; and a second processing means for receiving and storing the data from the transmission means.
and the second storage section, and when a contradiction is detected, the processing means responsible for the contradiction is identified by the processing means identification information included in the data. 1. A prepaid card system comprising: a detection section; and a management means including a detection section. (2) a plurality of storage media each storing first monetary information and medium identification information assigned to itself; an updating unit that updates the first amount information based on the first usage amount information; processing means identification information assigned to the updating unit; the medium identification information stored in the storage medium; and the first usage information. a plurality of processing means each including a first storage unit storing data including second usage amount information corresponding to the amount information and second amount information corresponding to the first amount information; a transmission means for transmitting the data stored in the first storage unit; and a second transmission means for receiving and storing the data from the transmission means.
and the second storage section, and when a contradiction is detected, the processing means responsible for the contradiction is identified by the processing means identification information included in the data. 1. A prepaid card system comprising: a detection section; and a management means including a detection section.