JP4136492B2 - Card system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a card that variably changes a card surface such as a credit card, a debit card, and an electronic money card, and a card system that performs the change.
[0002]
[Prior art]
Cards such as credit cards, debit cards, and electronic money cards are changing from magnetic stripe recording methods (magnetic cards) to IC chip recording methods (ie, IC cards) in order to record large amounts of data.
[0003]
Such cards (in this specification, credit cards, debit cards, electronic money cards, etc. consisting of IC cards are simply called cards) are printed on the card surface by the card issuing company, Various data such as the contents of service, name, card number, etc. that can be used by the cardholder are registered in the memory provided in the card and sent to the cardholder.
[0004]
Therefore, you want to use a card that is different from the type of card that the cardholder currently holds (for example, change from a white card to a gold card), or use a card with a different design whose name has changed due to marriage, etc. If there is a desire to do so, the card issuing company issues a new card to the cardholder after passing through a predetermined procedure for the card issuing company.
[0005]
Also, as a card issuer, a wide variety of designs can be printed to respond to requests from cardholders to have cards of various designs (for example, cards with anime characters, talents, and designs by painters). Had to hold the cards that were played.
[0006]
[Problems to be solved by the invention]
In other words, traditionally, card issuing companies create new cards and issue them to cardholders, so card issuing companies incur various expenses such as card inventory costs, issue processing costs, and delivery costs. End up.
[0007]
From the cardholder's point of view, problems such as the inability to use the card occur until a new card can be received from the card issuing company. Further, discarding old cards and creating new cards is wasteful in terms of resources.
[0008]
[Means for Solving the Problems]
In view of the above problems, the present invention allows a card holder to use a card without issuing a new card once a card issuing company issues a card, and a card whose surface can be changed variably. And invented the card system.
[0009]
As a result, card issuers do not need to have card inventory, etc. as before, and they can save time and effort to issue cards many times, so card inventory costs, issuance processing costs, sending costs, etc. It becomes possible to reduce.
[0010]
Also, since the cardholder can change the card on the spot by using the card system of the present invention, there is no disadvantage that the card cannot be used until a new card is received. Furthermore, since only the contents of the information on the surface and memory are changed, the card medium itself is the same card, so that resource saving can be realized.
[0018]
  Claim 1The invention ofCard having IC chip and electronic paperSend and receive data to and from the IC chip and contact or contactless data recorded on the IC chipReadable and writableA card system capable of transmitting / receiving data to / from a card I / F device via a network, wherein the card system transmits / receives data to / from the card I / F device via the network. Equipment,Authentication data for the card received by the communication deviceAnd a card authentication device for authenticating the card by comparing data for identifying the cardholder stored in the customer / card individual identification information database,Based on the authentication result in the card authentication device,A control data creation device that extracts basic partial data stored in the basic control database and individual partial data stored in the individual control database, and creates combined data;The IC chip has a display change identifying means for identifying how to display on the electronic paper based on the combined data created by the card system, and according to the identified contents, Display change instruction means for issuing a signal for instructing the electronic paper to change display contents;Is a card system.
[0019]
  Claim 1According to the invention, it is possible to create a design plan (combined data) to be displayed on a card and transmit it to the card I / F device. When the card I / F device displays the design proposal (combined data), the card holder can select the display design and make the design of his / her card.
[0020]
  Claim 2The invention ofCard having IC chip and electronic paperSend and receive data to and from the IC chip and contact or contactless data recorded on the IC chipReadable and writableA card system capable of transmitting / receiving data to / from a holder-side card system having a card I / F device via a network, wherein the card system is connected to the card I / F device via the network. A communication device for transmitting and receiving data withAuthentication data for the card received by the communication deviceAnd a card authentication device for authenticating the card by comparing data for identifying the cardholder stored in the customer / card individual identification information database,Based on the authentication result in the card authentication device,A system-side control data device that extracts basic partial data stored in a basic control database and transmits it to the card I / F device via the network;And the IC chip displays on the electronic paper based on the combined data created by using the basic partial data and the individual partial data read by the card I / F device. Display change identifying means for identifying whether to perform display change instruction means for issuing a signal to instruct the electronic paper to change the display contents according to the identified contents;Is a card system.
[0021]
  Claim 2According to the invention, it is possible to create a design plan (combined data) by reading the individual partial data displayed on the electronic paper of the card with the card I / F device and combining with the basic partial data received from the card system. Become. This makes it possible to create individual partial data of the cardholder himself on the spot as if it were a game. Further, since the data transmitted from the card system to the card I / F device is only the basic partial data, network traffic can be reduced and the processing time can be made efficient.
[0022]
  Claim 3The invention ofCard having IC chip and electronic paperSend and receive data to and from the IC chip and contact or contactless data recorded on the IC chipReadable and writableA card system capable of transmitting / receiving data to / from a holder-side card system having a card I / F device via a network, wherein the card system is connected to the card I / F device via the network. A communication device for transmitting and receiving data withAuthentication data for the card received by the communication deviceAnd a card authentication device for authenticating the card by comparing data for identifying the cardholder stored in the customer / card individual identification information database,Based on the authentication result in the card authentication device,A control data creation device that extracts the basic partial data stored in the basic control database and the individual partial data stored in the individual control database to create combined data;The IC chip is adapted to store the electronic paper based on the second combined data created by using the combined data created by the card system and the individual partial data read by the card I / F device. Display change identifying means for identifying how to perform display, and according to the identified contents, a display change instruction means for issuing a signal to instruct the electronic paper to change the display contents,Is a card system.
[0023]
  Claim 3According to the present invention, it is possible to create flexible combined data by creating combined data once in the card system and making the combined data changeable again in the holder side card system. As a result, the card design can be varied, and the card can be created with the latest individual part data.
In addition, according to the first to third aspects of the invention, it is possible to provide a card that can be displayed on electronic paper, instead of printing the surface design on the card as in the prior art. Accordingly, the card issuing company does not need to hold a card of another type of surface design as an inventory, and only has to hold a card having electronic paper on the card surface as an inventory. When sending a card, the corresponding surface design may be displayed on electronic paper and sent. Note that in this specification, electronic paper refers to an electronic paper in which an image displayed on the electronic paper remains even if the power is turned off.
Furthermore, the invention of claims 1 to 3 makes it possible to change the card design. This makes it possible to resolve various issues such as reissuing a new card and discarding a conventional card when a card contract is changed, for example, when upgrading from a white card to a gold card. It becomes. It is also possible to solve the problem that the card holder cannot use the card until the new card is received.
[0024]
  In the invention of claim 4The card system further includes a pattern control for adding a restriction on basic part data or individual part data that can be selected by the cardholder based on the credit data of the cardholder stored in the credit data database. A card system having a device.
[0025]
  Claim 4By this invention, it becomes possible to add a restriction to data that can be selected by the cardholder. As a result, it is possible to avoid risks for the card issuer such as changing to a gold card even though the credit ability is low. Also, by eliminating data that cannot be selected in advance and transmitting the data to the card I / F device, it is possible to avoid sending unnecessary data and to reduce network traffic.
[0026]
  In the invention of claim 5The basic part data is an identifier or image data for identifying a basic part of a display design displayed on the electronic paper, and the individual part data is an identifier for identifying an individual part of a display design displayed on the electronic paper. Or it is image data, Comprising: The said combination data is a card system which consists of a combination of the said basic partial data and the said individual partial data.
[0027]
  Claim 5With this invention, it becomes possible to make the display design of the card variable.
[0028]
  In the invention of claim 6The card system on the holder side is further based on the individual part data read by the card I / F device and stored in the individual control database on the holder side and the basic part data received from the card system. , A card system having a holder-side control data creation device that creates combined data.
  In the invention of claim 7The card system on the holder side further reads the individual part data with the card I / F device and stores it in the individual control database on the holder side, and the combined data received from the card system, A holder-side control data changing device that changes or replaces the individual partial data in the received combined data with the individual partial data read by the card I / F device to create second combined data; It is a card system.
[0029]
  Claim 6According to the invention, since the combined data is created by the card holder side device, the network traffic can be reduced and the processing time can be made efficient.
Claim 7According to the present invention, it is possible to create flexible combined data by creating combined data once in the card system and making the combined data changeable again in the holder side card system. As a result, the card design can be varied, and the card can be created with the latest individual part data.
[0030]
  Claim 8According to the invention, as part or all of the display content displayed on the electronic paper,
A card system including any of the cardholder's face, fingerprint, and part or all of the human body information.
[0031]
  According to the invention of claim 8, when the cardholder uses the card, the cardholder's face, fingerprint, or part or all of the human body is displayed on the card, so that the identity is confirmed at the store. Becomes easy. That is, the store clerk can collate the face, fingerprint, or part or all of the human body displayed on the card with the appearance of the cardholder. Furthermore, the face and the like are relatively easy to change with the passage of time, and the impression changes greatly especially when performing plastic surgery. In the past, there were those that confirmed the identity of the card by attaching a face photo to it, but since the face photo is fixed in such a conventional card, if the impression changes as described above In some cases, the use of the card is refused because the person is not regarded as the person himself / herself. However, by simply changing the face or the like attached to the card in this way, for example, when the impression changes during plastic surgery, it is only necessary to change the face as individual part data of the card. Further, the image may be a deformed image, an extracted image, an encrypted image, or the like, as well as a fine image obtained by capturing a face or the like as it is.
[0032]
  Claim 9The invention ofCard having IC chip and electronic paperData is sent to and received from the card, and the data recorded on the IC chip of the card is contacted or contactless.Readable and writableA card I / F device,The card I / F deviceEquipped with a camera, scanner, disk reader, keyboard, mouse, touch panel,Sending the read authentication data to the card system that creates the combined data indicating what kind of display is to be performed on the electronic paper of the card by reading the authentication data from the card, and selecting the card holder In response to this, by sending the combined data created by the card system to the card, the display on the electronic paper of the card is changed,It is a card I / F device.
[0033]
  Claim 9According to the invention, since the individual part data can be taken in by the card I / F device, it is possible to create the individual part data having the card design without a sense of resistance as if it were a game. In addition, by making the original design of the card holder in this way, a wide variety of designs can be made from a conventional uniform card.Also, the display design of the card can be made variable.
[0036]
  In the invention of claim 10,The card I / F device further includes information on the cardholder's face, fingerprint, part or all of the human body stored in the IC chip of the card, and a camera or fingerprint provided in the card I / F device. A card I / F device having a biometrics authentication device for verifying whether a person who performs card display or information change is a legitimate cardholder by collating with information read by a reading device is there.
[0037]
  Claim 10With this invention, it is possible to increase the security of card display and information change. In other words, in order to change the information stored in the electronic paper and IC chip provided in the card using the card system, input of a personal identification number or the like is performed after input by the card I / F device. If it is known to a third party, its abuse is difficult to prevent. ThereforeThe present inventionWhen the card holder uses the card I / F device, the card holder's face, fingerprint, and part or all of the human body data are stored in the IC chip. If this is done, security will be enhanced.
[0038]
DETAILED DESCRIPTION OF THE INVENTION
An example of the system configuration of the card 30 and the card system 1a according to the present invention will be described in detail with reference to FIGS.
[0039]
The card 30 has an electronic paper 33 on its surface, and has a power supply means 31 and an IC chip 32.
[0040]
The power supply means 31 is means for supplying power to the IC chip 32 and the electronic paper 33 of the card 30. For example, in the case of a non-contact type card 30, there is an antenna or the like as the power supply means 31, and the card holder brings the card 30 close to a magnetic field so that power is supplied to the antenna (power supply means 31) on the principle of electromagnetic induction. Is generated, and can be supplied to the IC chip 32. In addition, power may be supplied by receiving (accepting) a light beam or the like. In addition, instead of using another medium as described above, the power supply means 31 may be a battery or the like and supply power to the IC chip 32 by itself.
[0041]
The electronic paper 33 is a publicly known electronic paper 33 that is provided on all or part of the surface of the card 30 and whose display can be changed by an instruction from the IC chip 32.
[0042]
The IC chip 32 is a known integrated circuit provided in the card 30, and performs identification of contents to be displayed on the electronic paper 33, an instruction to change the display, and the like by the power supplied from the power supply unit 31. Further, the IC chip 32 can read / write data suitable for the purpose of the card 30, has a larger amount of data than a conventional magnetic stripe, and can ensure high security. The IC chip 32 includes a display change identification unit 34 and a display change instruction unit 35.
[0043]
The display change identifying unit 34 is a unit for identifying how to display on the electronic paper 33 based on the data received from the card I / F device 10.
[0044]
The display change instruction means 35 is a means for issuing a signal for instructing the electronic paper 33 to change the display contents and the method in accordance with the contents identified by the display change identification means 34.
[0045]
The card system 1a includes a communication device 2, a card authentication device 3, a control data creation device 4, a pattern control device 8, a customer / card individual identification information database 5, an individual control database 6, a basic control database 7, and a credit data database 9. And can transmit and receive data via the card I / F device 10 and the network 20.
[0046]
The communication device 2 is a device that transmits and receives data to and from the card I / F device 10 via the network 20.
[0047]
The card authentication device 3 compares the authentication data received from the card 30 with the data stored in the customer / card individual identification information database 5 based on the communication contents of the card 30 received by the communication device 2, It is a device that performs 30 authentications.
[0048]
The control data creation device 4 is a device that extracts basic partial data (described later) and individual partial data (described later) stored in the individual control database 6 and the basic control database 7, and creates combined data based on them. is there. Here, the combined data may be image data or a design proposal displayed on the electronic paper 33 on the surface of the card 30 or may be an identifier for identifying it.
[0049]
The pattern control device 8 is a device that adds restrictions on basic partial data or individual partial data that can be selected by the cardholder based on the credit data of the cardholder stored in the credit data database 9. For example, since the credit status of the cardholder is poor, a restriction is added so that the basic data of the gold card cannot be selected.
[0050]
The customer / card individual identification information database 5 is a database storing data for identifying the type of card 30 and the cardholder.
[0051]
The individual control database 6 is a database that stores selections of individual parts of the display design on the card surface, such as a face photograph or name, designated for each cardholder. The selected part of the individual part of the display design is called individual part data. The individual partial data corresponds to the face photo data of the cardholder, the design that the cardholder wants to display in the original, and the like.
[0052]
The basic control database 7 is a database that stores selections of basic portions of the display design on the card surface designated by the card issuing company. The selected part of the basic part of the display design is called basic part data. The basic partial data includes a background indicating the rank of the card holder card 30 such as a mark of a card issuing company, a white card, and a gold card.
[0053]
The credit data database 9 is a database that stores the credit status (credit data) of the cardholder.
[0054]
The card I / F device 10 is a device that supplies and generates energy to supply electricity, magnetic field, light, etc. to the card 30, and transmits / receives data to / from the card system 1a, and is recorded on the IC chip 32 of the card 30. Devices that read or write data in contact or non-contact, and display devices such as displays, input devices such as keyboards, mice, and touch panels, cameras, scanners, disk readers, etc. It is also suitable to have.
[0055]
【Example】
Next, an example of the process flow of the present invention will be described in detail with reference to the flowcharts of FIGS.
[0056]
When the cardholder wishes to change the design of the card 30 that he / she owns or wants to use a card 30 of a different rank, the cardholder contacts, approaches or inserts the card 30 into the card I / F device 10. By doing so, power is supplied to the card 30 and communication is established between the card 30 and the card I / F device 10 (S100).
[0057]
After the communication is established, authentication data recording the card type and cardholder is transmitted from the card 30 to the card I / F device 10 (S110). In order to transmit the authentication data, the power supply means 31 of the card 30 supplies power to the IC chip 32, whereby the authentication data recorded in the IC chip 32 is sent to the card I / F device 10. It is sufficient to send to the other side.
[0058]
The communication device 2 of the card system 1a receives the authentication data from the card I / F device 10 (S120), and the card authentication device 3 collates with the customer / card individual identification information database 5 based on the received authentication data. Thus, the type of card 30 and the cardholder are recognized (S130).
[0059]
From the result recognized by the card authentication device 3, the basic part data stored in the basic control database 7 and the individual part data stored in the individual control database 6 are extracted (S135), and the control data creation device 4 Create join data. That is, the basic part of the display design common to the cardholders and the individual part of the display design that is different for each cardholder are extracted from each database and combined as one display design to form combined data.
[0060]
In some cases, the credit data stored in the credit data database 9 by the pattern control device 8 may be extracted from the basic partial data and the individual partial data (S140), and the use thereof may be restricted. When adding a restriction (S150), the pattern control device 8 adds the restriction based on the credit data of the cardholder stored in the credit data database 9. For example, since the credit status of the cardholder is poor, it is possible to add a restriction so that the basic data of the gold card cannot be selected.
[0061]
If no restriction is added in S150, combined data is created based on the basic partial data and the individual partial data (S160). When a restriction is added, the control data creation device 4 creates combined data excluding the restriction from the extracted basic partial data or individual partial data (S170).
[0062]
Regardless of whether there is a restriction, when there are a plurality of combinations of basic partial data and individual partial data, a plurality of combined data may be created.
[0063]
The communication device 2 of the card system 1a transmits the created combined data to the card I / F device 10 via the network 20 (S180). When there are a plurality of pieces of combined data received by the card I / F device 10 (S190), the display device (not shown) and the input device (not shown) provided in the card I / F device 10 are used. The card holder is made to select which combined data is to be used (S200). At this time, when the display of the card 30 is changed with the received combined data, it is preferable to display what is displayed as an image diagram through the display device. The data structure may be shown.
[0064]
The combined data received in S180 or the combined data selected by the cardholder in S200 is transmitted from the card I / F device 10 to the card 30 (S210). How the display change identification means 34 of the IC chip 32 changes the display on the electronic paper 33 according to the combined data received from the card I / F device 10 by the power supplied by the power supply means 31 of the card 30 A determination is made (S220).
[0065]
That is, the combined data may be image data to be displayed on the electronic paper 33 provided on the surface of the card 30, but may be at least an identifier that can identify what kind of display is to be performed on the electronic paper 33. Good. Therefore, when the cardholder selects the combined data on the card I / F device 10, the image corresponding to the identifier in the combined data is selected and displayed.
[0066]
Based on the result identified by the display change identifying means 34, the display change instructing means 35 transmits a display change instruction signal to the electronic paper 33 to execute the display change (S230). At this time, the power supply means 31 supplies power to the electronic paper 33, whereby the display of the electronic paper 33 can be changed.
[0067]
Further, not only the display change but also the data change such as the change of contract contents of the card holder in the IC chip 32 (for example, the change from the white card to the gold card, the limit amount, etc.) may be performed.
[0068]
Further, the card system 1a may be notified that the display change of the electronic paper 33 has been completed (S240). In this case, the display change instruction means 35 creates a completion notification and the card I / F device 10 (S250). The card I / F device 10 that has received the completion notification can grasp that the display change has been completed in the card system 1a by transmitting the completion notification to the card system 1a in real time or batch processing. .
[0069]
Furthermore, by providing the card I / F device 10 with a camera, scanner, disk reading device, etc. as individual partial data, the individual partial data is read by these and transmitted to the card system 1a via the network 20. The registration and change of the individual partial data may be performed.
[0070]
In addition, by displaying any part or all of the human body information such as the cardholder's face, fingerprint, etc., as the individual partial data in the combined data displayed on the electronic paper 33 provided on the card 30 , It becomes easy to verify the identity at a store that uses a card. Furthermore, the face and the like are relatively easy to change with the passage of time, and the impression changes greatly especially when performing plastic surgery. In the past, there were those that confirmed the identity of the card by attaching a face photo to it, but since the face photo is fixed in such a conventional card, if the impression changes as described above In some cases, the use of the card is refused because the person is not regarded as the person himself / herself. However, by simply changing the face or the like attached to the card in this way, for example, when the impression changes during plastic surgery, it is only necessary to change the face as individual part data of the card.
[0071]
Further, by using an authentication technique based on biometrics that has been developed in recent years, it is possible to increase the security of display of the card 30 and information change. That is, in order to change the information stored in the electronic paper 33 and the IC chip 32 provided in the card 30 by using the card system 1a, the input of a personal identification number or the like is performed after the card I / F device 10 is input. In this case, it is difficult to prevent the misuse of the personal identification number when it is known to a third party. Therefore, as described above, any one of the card holder's face, fingerprint, and part or all of the human body information is stored in the IC chip 32 on the electronic paper 33 of the card 30 so that the card holder can store the card I / F device 10. If the authentication information is used when using the password, the security is enhanced. That is, the card I / F device 10 is provided with a camera and a known fingerprint reading device (hereinafter referred to as a biometrics authentication device (not shown)), and a part or all of the human body such as the cardholder's face and fingerprint. To read. The read information and the information stored in the card 30 are collated, and only when they match, it is possible to operate the subsequent process that is the change work, and when they do not match, the change is not permitted. . Further, when the case of non-coincidence occurs continuously more than a certain number of times, there is a high possibility of some trouble such as the information in the card 30 being destroyed or the card 30 being illegally used. An automatic notification is sent from the I / F device 10 to the card company. By doing so, it becomes impossible for anyone other than the cardholder to display the card 30 and change the information, and the security can be improved.
[0072]
[Example 2]
Next, the system configuration when the individual partial data is provided not on the card system 1a but on the card holder side will be described with reference to the system configuration diagram of FIG. In this case, the card I / F device 10 is a reading device for a camera, a scanner, a recording medium (any medium that records data such as a semiconductor memory such as a magnetic disk, an optical disk, and a magneto-optical disk). Input devices such as a keyboard, mouse and touch panel are provided. As a result, the cardholder himself / herself can be photographed with a camera, his / her photos etc. can be read with a scanner, the data recorded on the recording medium can be read, and the data can be made into individual partial data. It becomes possible. The same parts as those in the first embodiment are omitted for the sake of simplicity. Thus, when taking in individual part data in the cardholder side, in addition to the card I / F apparatus 10, the holder side card system 11 which has the holder side control data apparatus 12 and the holder side individual control database 13 is used. It is preferable to provide it.
[0073]
The card system 1b includes a communication device 2, a card authentication device 3, a system side control device 14, a pattern control device 8, a basic control database 7, a customer / card individual identification information database 5, and a credit data database 9. Data can be transmitted to and received from the holder-side card system 11 via the network 20.
[0074]
The system-side control device 14 is a device that extracts basic partial data stored in the basic control database 7 and transmits the extracted basic partial data to the card I / F device 10 via the network 20.
[0075]
The holder side card system 11 includes a card I / F device 10, a holder side control data device 12, and a holder side individual control database 13.
[0076]
The holder-side control data device 12 is read by the camera, scanner, recording medium reading device, etc. provided in the card I / F device 10 and stored in the holder-side individual control database 13, and the card system 1b. Is a device that creates combined data based on the basic partial data received from.
[0077]
The holder-side individual control database 13 is a database that stores data read by the card holder by the card I / F device 10 as individual partial data.
[0078]
Next, an example of the process flow in the case of the present embodiment will be described with reference to the flowcharts of FIGS. Steps S300 to S330 are the same as steps S100 to S130 of the first embodiment, and a description thereof will be omitted.
[0079]
From the result recognized by the card authentication device 3, the system side control device 14 extracts the basic partial data stored in the basic control database 7 (S335).
[0080]
In some cases, the credit data stored in the credit data database 9 by the pattern control device 8 may be extracted from the basic partial data (S340), and its use may be restricted.
[0081]
When the restriction is not added (S350), the communication unit transmits the basic partial data extracted at S335 to the holder-side card system 1b (S360). When the restriction is added (S350), the system side control is performed. A restriction is added to the basic partial data extracted by the device 14 based on the credit data of the cardholder stored in the credit data database 9 by the pattern control device 8, and the basic partial data is transmitted via the communication device 2. To the holder-side card system 11 (S370). In this case, for example, since the credit status of the cardholder is bad, it is possible to add a restriction so that the basic data of the gold card cannot be selected.
[0082]
After receiving the basic partial data at the card I / F device 10 of the card system 11 on the holder side (may be at any stage before reception), the card I / F device 10 is made to read the individual partial data to the holder side. It stores in the individual control database 13 (S375). In this reading, for example, when it is desired to use a photograph of the card holder itself as individual part data, the card holder itself is imaged by the camera provided in the card I / F device 10 and the data is stored in the individual part data. Data may be used, pictures or photographs may be read by a scanner provided in the card I / F device 10 and the data may be used as individual partial data, or a magnetic disk or the like may be read by the card I / F device 10. The data may be used as individual partial data. Further, by providing the card I / F device 10 with an input device such as a keyboard, a mouse, and a touch panel, characters or the like may be used for the individual partial data. For example, characters may be superimposed on data captured by a camera using a keyboard or the like. Moreover, it is good also as only the character input from the input device as individual partial data. Thus, in this embodiment, the individual partial data is read in S375, but it goes without saying that it may be performed at any stage. It may also be performed in parallel with the processing on the card system 1b side.
[0083]
Based on the individual partial data read by the card I / F device 10 and the basic partial data received from the card system 1b, the holder-side control data device 12 creates combined data (S380).
[0084]
When creating combined data, if there are a plurality of combinations of basic partial data and individual partial data, a plurality of combined data may be created.
[0085]
If there are a plurality of combined data created by the holder-side control data device 12 (S390), which combined data is to be used via the display device or input device provided in the card I / F device 10 The cardholder is made to make a selection (S400). At this time, when the display of the card 30 is changed with the created combined data, it is preferable to display what kind of display is made as an image diagram through the display device. The data structure may be shown.
[0086]
The combined data created in S380 or the combined data selected by the cardholder in S400 is transmitted from the card I / F device 10 to the card 30 (S410). How the display change identification means 34 of the IC chip 32 changes the display on the electronic paper 33 according to the combined data received from the card I / F device 10 by the power supplied by the power supply means 31 of the card 30 A determination is made (S420).
[0087]
In other words, the combined data may be from image data displayed on the electronic paper 33 provided on the card surface, but at least as long as it is composed of an identifier that can identify what kind of display is performed on the electronic paper 33. Good. Therefore, when the cardholder selects the combined data on the card I / F device 10, the image corresponding to the identifier in the combined data is selected and displayed.
[0088]
Based on the result identified by the display change identifying unit 34, the display change instructing unit 35 transmits a display change instruction signal to the electronic paper 33 to execute the display change (S430). At this time, the power supply means 31 supplies power to the electronic paper 33, whereby the display of the electronic paper 33 can be changed.
[0089]
Further, not only the display change but also the data change such as the change of contract contents of the card holder in the IC chip 32 (for example, the change from the white card to the gold card, the limit amount, etc.) may be performed.
[0090]
Further, the completion of the display change of the electronic paper 33 may be notified to the card system 1b (S440). In this case, the display change instruction means 35 generates a completion notification and the card I / F device. 10 (S450). Upon receiving the completion notification, the card I / F device 10 can grasp that the display change has been completed in the card system 1b by transmitting the completion notification to the card system 1b by real time or batch processing. .
[0091]
In addition, by displaying any part or all of the human body information such as the cardholder's face, fingerprint, etc., as the individual partial data in the combined data displayed on the electronic paper 33 provided on the card 30, Identity verification is easy at stores that use cards. Furthermore, the face and the like are relatively easy to change with the passage of time, and the impression changes greatly especially when performing plastic surgery. In the past, there were those that confirmed the identity of the card by attaching a face photo to it, but since the face photo is fixed in such a conventional card, if the impression changes as described above In some cases, the use of the card is refused because the person is not regarded as the person himself / herself. However, by simply changing the face or the like attached to the card in this way, for example, when the impression changes during plastic surgery, it is only necessary to change the face as individual part data of the card.
[0092]
Further, by using an authentication technique based on biometrics that has been developed in recent years, it is possible to increase the security of display of the card 30 and information change. That is, in order to change the information stored in the electronic paper 33 and the IC chip 32 provided in the card 30 by using the card system 1b, the input of a password or the like is performed after being input by the card I / F device 10. In this case, it is difficult to prevent the misuse of the personal identification number when it is known to a third party. Therefore, as described above, any one of the card holder's face, fingerprint, and part or all of the human body information is stored in the IC chip 32 on the electronic paper 33 of the card 30 so that the card holder can store the card I / F device 10. If the authentication information is used when using the password, the security is enhanced. That is, the card I / F device 10 is provided with a camera and a known fingerprint reading device (hereinafter referred to as a biometrics authentication device (not shown)), and a part or all of the human body such as the cardholder's face and fingerprint. To read. The read information and the information stored in the card 30 are collated, and only when they match, it is possible to operate the subsequent process that is the change work, and when they do not match, the change is not permitted. . Further, when the case of non-coincidence occurs continuously more than a certain number of times, there is a high possibility of some trouble such as the information in the card 30 being destroyed or the card 30 being illegally used. An automatic notification is sent from the I / F device 10 to the card company. By doing so, it becomes impossible for anyone other than the cardholder to display the card 30 and change the information, and the security can be improved.
[0093]
In the second embodiment, since the individual partial data is taken in from the holder-side card system 11, the individual partial data in the holder-side individual control database 13 in the holder-side card system 11 is changed. Also good.
[0094]
[Example 3]
Furthermore, it is possible to implement the present invention in a form combining the first and second embodiments. In this case, the card system is similar to the first embodiment in that combined data combining basic partial data and individual partial data is generated and transmitted to the card system on the holder side. This is a case where the partial data can be further changed or replaced. The system configuration in this case will be described with reference to the system configuration diagram of FIG. In addition, about the same part as Example 1 and Example 2, description is abbreviate | omitted for simplification.
[0095]
The card system 1c includes a communication device 2, a card authentication device 3, a control data creation device 4, a pattern control device 8, a customer / card individual identification information database 5, an individual control database 6, a basic control database 7, and a credit database 9. Therefore, data can be transmitted and received via the holder-side card system 11c and the network 20. The card system 1c has the same configuration as the card system 1a in the first embodiment.
[0096]
The holder-side card system 11 c has a card I / F device 10, a holder-side control data changing device 14, and a holder-side individual control database 13.
[0097]
Similarly to the second embodiment, the card I / F device 10 allows data to be stored in a camera, a scanner, a recording medium (magnetic disk, optical disk, magneto-optical disk, etc., semiconductor memory, etc.) so that the cardholder can capture any individual partial data. Any input medium such as a keyboard, a mouse, and a touch panel may be provided.
[0098]
The holder-side control data changing device 14 is read by the camera, scanner, recording medium reading device, etc. provided in the card I / F device 10 and stored in the holder-side individual control database 13 and the card system. Based on the combined data received from 1c, the individual partial data in the received combined data is changed or replaced with the individual partial data read by the card I / F device 10, and the second combined data is changed. It is a device to create.
[0099]
Next, an example of the process flow of the present embodiment will be described in detail with reference to the flowcharts of FIGS. Steps S500 to S580 are the same as steps S100 to S180 of the first embodiment, and will be omitted.
[0100]
After the combined data is received by the card I / F device 10 of the holder-side card system 11c (it may be at any stage before reception), the individual I / F device 10 is made to read the individual partial data, and the holder-side individual Store in the control database 13 (S590). In this reading, for example, when it is desired to use a photograph of the card holder itself as individual part data, the card holder itself is imaged by the camera provided in the card I / F device 10 and the data is stored in the individual part data. Data may be used, pictures or photographs may be read by a scanner provided in the card I / F device 10 and the data may be used as individual partial data, or a magnetic disk or the like may be read by the card I / F device 10. The data may be used as individual partial data. Further, by providing the card I / F device 10 with an input device such as a keyboard, a mouse, and a touch panel, characters or the like may be used for the individual partial data. For example, characters may be superimposed on data captured by a camera using a keyboard or the like. Moreover, it is good also as only the character input from the input device as individual partial data. Thus, in this embodiment, the individual partial data is read in S590, but it goes without saying that it may be performed at any stage. Moreover, it may be performed in parallel with the processing on the card system 1c side.
[0101]
Based on the individual partial data read by the card I / F device 10 and the combined data received from the card system 1c, the holder-side control data changing device 14 converts the individual partial data in the received combined data to the card. The individual combined data read by the I / F device 10 is changed or replaced to create second combined data (S600). In S600, it is not necessary to change the individual partial data.
[0102]
When creating combined data, if there are a plurality of combinations of basic partial data and individual partial data, a plurality of combined data may be created.
[0103]
When there are a plurality of second combined data created by the holder-side control data changing device 14 or combined data received in S580 (S610), the display device provided in the card I / F device 10 The card holder is made to select which combination data to use via the input device (S620). At this time, when the display of the card 30 is changed with the created combined data, it is preferable to display what kind of display is made as an image diagram through the display device. The data structure may be shown.
[0104]
The second combined data created in S600 or the combined data selected by the cardholder in S620 is transmitted from the card I / F device 10 to the card 30 (S630). The second combined data received from the card I / F device 10 by the display change identifying unit 34 of the IC chip 32 by the power supplied by the power supply unit 31 of the card 30 or the combined data selected by the cardholder in S620. Accordingly, it is determined what display change is to be performed on the electronic paper 33 (S640).
[0105]
That is, the combined data (including the second combined data, hereinafter the same in this embodiment) may be from image data displayed on the electronic paper 33 provided on the card surface, but at least the electronic paper 33. It is only necessary to be configured from an identifier that can identify what kind of display is performed. Therefore, when the cardholder selects the combined data on the card I / F device 10, the image corresponding to the identifier in the combined data is selected and displayed.
[0106]
Based on the result identified by the display change identifying unit 34, the display change instructing unit 35 transmits a display change instruction signal to the electronic paper 33 to execute the display change (S650). At this time, the power supply means 31 supplies power to the electronic paper 33, whereby the display of the electronic paper 33 can be changed.
[0107]
Further, not only the display change but also the data change such as the change of contract contents of the card holder in the IC chip 32 (for example, the change from the white card to the gold card, the limit amount, etc.) may be performed.
[0108]
Further, the completion of the display change of the electronic paper 33 may be notified to the card system 1c (S660). In this case, the display change instructing means 35 creates a completion notification and the card I / F device. 10 (S670). The card I / F device 10 that has received the completion notification can grasp that the display change has been completed in the card system 1c by transmitting the completion notification to the card system 1c by real time or batch processing. .
[0109]
Thus, flexible combined data can be created by creating combined data once in the card system 1c and making the combined data changeable again in the holder-side card system 11c.
[0110]
In addition, by displaying any part or all of the human body information such as the cardholder's face, fingerprint, etc., as the individual partial data in the combined data displayed on the electronic paper 33 provided on the card 30, Identity verification is easy at stores that use cards. Furthermore, the face and the like are relatively easy to change with the passage of time, and the impression changes greatly especially when performing plastic surgery. In the past, there were those that confirmed the identity of the card by attaching a face photo to it, but since the face photo is fixed in such a conventional card, if the impression changes as described above In some cases, the use of the card is refused because the person is not regarded as the person himself / herself. However, by simply changing the face or the like attached to the card in this way, for example, when the impression changes during plastic surgery, it is only necessary to change the face as individual part data of the card.
[0111]
Further, by using an authentication technique based on biometrics that has been developed in recent years, it is possible to increase the security of display of the card 30 and information change. That is, in order to change the information stored in the electronic paper 33 and the IC chip 32 provided in the card 30 by using the card system 1c, the input of a password or the like is performed after being input by the card I / F device 10. In this case, it is difficult to prevent the misuse of the personal identification number when it is known to a third party. Therefore, as described above, any one of the card holder's face, fingerprint, and part or all of the human body information is stored in the IC chip 32 on the electronic paper 33 of the card 30 so that the card holder can store the card I / F device 10. If the authentication information is used when using the password, the security is enhanced. That is, the card I / F device 10 is provided with a camera and a known fingerprint reading device (hereinafter referred to as a biometrics authentication device (not shown)), and a part or all of the human body such as the cardholder's face and fingerprint. To read. The read information and the information stored in the card 30 are collated, and only when they match, it is possible to operate the subsequent process that is the change work, and when they do not match, the change is not permitted. . Further, when the case of non-coincidence occurs continuously more than a certain number of times, there is a high possibility of some trouble such as the information in the card 30 being destroyed or the card 30 being illegally used. An automatic notification is sent from the I / F device 10 to the card company. By doing so, it becomes impossible for anyone other than the cardholder to display the card 30 and change the information, and the security can be improved.
[0112]
In the third embodiment, since the individual partial data is fetched from the holder-side card system 11c, the individual partial data in the holder-side individual control database 13 in the holder-side card system 11 is changed. Also good. Furthermore, when changing the individual partial data stored in the individual control database of the card system 1c, it is preferable to also change the individual data.
[0113]
Each means and database in the present invention are logically distinguished from each other in function, and may be physically or practically the same area. Needless to say, a data file may be used instead of the database, and the description of the database includes the data file.
[0114]
In carrying out the present invention, the present invention is realized by supplying a recording medium storing a software program for realizing the functions of the present embodiment to the system, and reading and executing the program stored in the recording medium by the computer of the system. Of course.
[0115]
In this case, the program itself read from the recording medium realizes the functions of the above-described embodiments, and the recording medium on which the program is recorded naturally constitutes the present invention.
[0116]
As a recording medium for supplying the program, for example, a magnetic disk, a hard disk, an optical disk, a magneto-optical disk, a magnetic tape, a nonvolatile memory card, or the like can be used.
[0117]
Further, by executing the program read by the computer, not only the functions of the above-described embodiments are realized, but also an operating system running on the computer is one of the actual processes based on the instructions of the program. It goes without saying that the case where the function of the above-described embodiment is realized by performing part or all of the processing and the processing thereof is also included.
[0118]
Furthermore, after the program read from the recording medium is written in the nonvolatile or volatile recording means provided in the function expansion board inserted into the computer or the function expansion unit connected to the computer, the program is instructed. On the basis of the above, it is natural that the arithmetic processing device or the like provided in the function expansion board or the function expansion unit performs part or all of the actual processing and the functions of the above-described embodiments are realized by the processing.
[0119]
【The invention's effect】
According to the present invention, when a card issuing company issues a card once, the card holder can use the card without issuing a new card. It becomes possible.
[0120]
As a result, card issuers do not need to have card inventory as in the past, and it is possible to eliminate the hassle of issuing cards many times. It becomes possible to do.
[0121]
Also, since the cardholder can change the card on the spot by using the card system of the present invention, there is no disadvantage that the card cannot be used until a new card is received. Furthermore, since only the contents of the information on the surface and memory are changed, the card medium itself is the same card, so that resource saving can be realized.
[0122]
Furthermore, available application configurations written on the card (for example, any type of IC application (a program for realizing using an IC card, such as an application for credit card payment, an application for electronic money, There is an application for points, etc., which is stored as software in the IC chip), what kind of contract contents, limit amount, card usage amount, etc.) can be visually increased / decreased The display can be changed accordingly, and the cardholder can always visually recognize and confirm the application that can be used on the card.
[Brief description of the drawings]
FIG. 1 is a system configuration diagram showing an example of another system configuration of a card system.
FIG. 2 is a flowchart showing an example of a process flow of the card system.
FIG. 3 is a flowchart showing an example of a process flow of the card system.
FIG. 4 is a flowchart showing an example of another system configuration of the card system.
FIG. 5 is a flowchart showing an example of a system configuration of a card.
FIG. 6 is a flowchart showing an example of another process flow of the card system.
FIG. 7 is a flowchart showing an example of another process flow of the card system.
FIG. 8 is a flowchart showing an example of another system configuration of the card system.
FIG. 9 is a flowchart showing an example of another process flow of the card system.
FIG. 10 is a flowchart showing an example of another process flow of the card system.
[Explanation of symbols]
1: Card system
2: Communication device
3: Card authentication device
4: Control data creation device
5: Customer / card individual identification information database
6: Individual control database
7: Basic control database
8: Pattern control device
9: Credit data database
10: Card I / F device
11: Holder side card system
12: Owner-side control data device
13: Owner side individual control database
14: Owner side control data changing device
20: Network
30: Card
31: Power supply means
32: IC chip
33: Electronic paper
34: Display change identification means
35: Display change instruction means

Claims (10)

Data is transmitted and received between a card having an IC chip and electronic paper, and data recorded on the IC chip can be read or written in contact or non-contact via a network via a network. A card system capable of transmitting and receiving data,
The card system
A communication device that transmits and receives data to and from the card I / F device via the network;
The card authentication device for verifying the card by comparing the authentication data for the card received by the communication device with the data for identifying the card holder stored in the customer / card individual identification information database;
A control data creation device that extracts the basic partial data stored in the basic control database and the individual partial data stored in the individual control database based on the authentication result in the card authentication device and creates combined data and, it has a,
The IC chip is
Display change identification means for identifying how to display on the electronic paper based on the combined data created by the card system;
In accordance with the identified contents, display change instruction means for issuing a signal to instruct the electronic paper to change the display contents ,
A card system characterized by that. A card system on the holder side having a card I / F device that transmits and receives data between a card having an IC chip and an electronic paper and can read and write data recorded on the IC chip in a contact or non-contact manner Card system that can send and receive data over the network
The card system
A communication device that transmits and receives data to and from the card I / F device via the network;
The card authentication device for verifying the card by comparing the authentication data for the card received by the communication device with the data for identifying the card holder stored in the customer / card individual identification information database;
Based on the authentication result of the card authentication apparatus extracts basic portion data stored in the basic control database has, and a system-side control data unit for transmitting to said card I / F device via the network And
The IC chip is
Display change identifying means for identifying how to display on the electronic paper based on the combined data created by using the basic partial data and the individual partial data read by the card I / F device; ,
In accordance with the identified contents, display change instruction means for issuing a signal to instruct the electronic paper to change the display contents ,
A card system characterized by that. A card system on the holder side having a card I / F device that transmits and receives data between a card having an IC chip and an electronic paper and can read and write data recorded on the IC chip in a contact or non-contact manner Card system that can send and receive data over the network
The card system
A communication device that transmits and receives data to and from the card I / F device via the network;
The card authentication device for verifying the card by comparing the authentication data for the card received by the communication device with the data for identifying the card holder stored in the customer / card individual identification information database;
Based on the authentication result of the card authentication apparatus, basic and basic portion data stored in the control database, and extracts the individual partial data stored in the individual control database, create control data generating unit binding data And
The IC chip is
How to display on the electronic paper based on the second combined data created by using the combined data created by the card system and the individual partial data read by the card I / F device A display change identifying means for identifying
In accordance with the identified contents, display change instruction means for issuing a signal to instruct the electronic paper to change the display contents ,
A card system characterized by that. The card system further includes:
A pattern control device for adding restrictions on basic part data or individual part data that can be selected by the cardholder based on the credit data of the cardholder stored in the credit data database;
The card system according to claim 1, further comprising: The basic partial data is
An identifier or image data for identifying a basic part of a display design displayed on the electronic paper,
The individual partial data is
An identifier or image data for identifying an individual part of a display design displayed on the electronic paper,
The combined data is
Card system as claimed in any one of claims 1 to 4, characterized in that a combination of the individual partial data and the basic portion data. The holder card system further includes:
Owner-side control data for creating combined data based on the individual part data read by the card I / F device and stored in the individual control database on the holder side and the basic part data received from the card system Creation device,
The card system according to claim 2, further comprising: The holder card system further includes:
Based on the individual partial data read by the card I / F device and stored in the individual control database on the holder side, and the combined data received from the card system, the individual partial data in the received combined data Is changed or replaced with the individual partial data read by the card I / F device, and the owner side control data changing device for creating the second combined data,
The card system according to claim 3, further comprising: As part or all of the display content displayed on the electronic paper,
Including any information on the cardholder's face, fingerprint, or part or all of the human body,
The card system according to claim 1, wherein the card system is a card system. A card I / F device that transmits and receives data between a card having an IC chip and an electronic paper, and that can read and write data recorded on the IC chip of the card in a contact or non-contact manner,
The card I / F device
Equipped with a camera, scanner, disk reader, keyboard, mouse, touch panel,
By reading the authentication data from the card, the read authentication data is sent to a card system that creates combined data on what kind of display is to be performed on the electronic paper of the card,
In response to the selection of the card holder, the combined data created by the card system is transmitted to the card, thereby changing the display on the electronic paper of the card,
A card I / F device. The card I / F device further includes:
The card holder's face, fingerprint, part or all of the information stored in the IC chip of the card is collated with the information read by the camera or fingerprint reader provided in the card I / F device. A biometrics authentication device that authenticates whether or not the person who performs the card display and information change is an authorized cardholder,
The card I / F device according to claim 9 , further comprising:

Images