Card authentication server apparatus and card authentication program

• US 20030226042A1
• Filed: 05/28/2003
• Published: 12/04/2003
• Est. Priority Date: 05/29/2002
• Status: Abandoned Application

• Current Assignee: Toshiba Tec Corporation (Toshiba Corporation)
• Original Assignee: Toshiba Tec Corporation (Toshiba Corporation)
• Inventors: Fukushima, Takafumi
• Application Number:
  US10/447,001
• Publication Number:
  US 20030226042A1
• Time in Patent Office: Days
• US Class Current: 713/202
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

On receiving the declaration of use of a card from a card user, a user authentication processing section executes authentication to determine whether or not the use has been declared by the valid owner of the card. On confirming that the use has been declared y the valid owner, the user authentication processing section permits the use of the card and stores this information in an owner database. On the other hand, on receiving an approval inquiry from a card-available store via a network about a card to be used for settlement, a card settlement processing section determines whether or not the use of the card is permitted, with reference to the owner database. On confirming that the use is permitted, the card settlement processing section transmits a use permission response to the card-available store through the network.

Claims

1. A card authentication server apparatus connected to a card-available store via a network, the apparatus comprising:

a user information storing section in which at least authentication information and use permission information are stored for each card user;

an authenticating section which operates on receiving declaration of use of the card from the card user, to carry out authentication to determine whether or not the use has been declared by a valid owner of the card, with reference to the user information storing section;

a setting section which operates when the authenticating section has determined that the use has been declared by the valid owner, to set the use permission information in the user information storing section to permit the use of the card;

a confirming section which operates on receiving an approval inquiry from the card-available store about the card used for settlement, to determine whether or not the use permission information in the user information storing section indicates that the use of the card is permitted; and

a notifying section which operates when the confirming section confirms that the use of the card is permitted, to transmit a use permission response to the card-available store.

2. The card authentication server apparatus according to claim 1, further comprising:

a use condition setting section which sets use conditions for the card, and

wherein the card use conditions set by the use condition setting section are stored in the user information storing section,

on receiving on receiving the approval inquiry from the card-available store about the card used for settlement, the confirming section determines whether or not the use permission information in the user information storing section indicates that the use of the card is permitted and whether or not the use of the card meets the card use conditions.

3. The card authentication server apparatus according to claim 2, wherein of the number of times the card can be used and a use limit time, the use conditions include at least the number of times the card can be used.

4. The card authentication server apparatus according to claim 2, wherein the use conditions specify a card-available store.

5. The card authentication server apparatus according to claim 2, wherein the use conditions indicate a store form of the card-available store where the card is used.

6. The card authentication server apparatus according to claim 1, further comprising a card settling section which executes settlement with the card once the confirming section confirms that the use of the card is permitted, and

wherein once the card settling section completes the settlement with the card, the notifying section transmits a use permission response to the card-available store.

7. The card authentication server apparatus according to claim 6, further comprising a use condition setting section which sets use conditions for the card, and

wherein the card use conditions set by the use condition setting section are stored in the user information storing section, and

on receiving the approval inquiry from the card-available store about the card used for settlement, the confirming section determines whether or not the use permission information in the user information storing section indicates that the use of the card is permitted and whether or not the use of the card meets the card use conditions.

8. The card authentication server apparatus according to claim 7, wherein of the number of times the card can be used and the use limit time, the use conditions include at least the number of times the card can be used.

9. The card authentication server apparatus according to claim 7, wherein the use conditions specify a card-available store.

10. The card authentication server apparatus according to claim 7, wherein the use conditions indicate the store form of the card-available store where the card is used.

11. A card authentication program recorded on a recording medium or transmitted via a communication line, the program comprising:

means for operating on receiving declaration of use of the card from the card user, to carry out authentication to determine whether or not the use has been declared by a valid owner of the card, with reference to a user information storing section in which at least authentication information and use permission information are stored for each card user;

means for operating when the authenticating means has determined that the use has been declared by the valid owner, to set the use permission information in the user information storing section to permit the use of the card;

means for operating on receiving an approval inquiry from the card-available store about the card used for settlement, to execute confirmation by determining whether or not the use permission information in the user information storing section indicates that the use of the card is permitted; and

means for operating when the confirming means confirms that the use of the card is permitted, to transmit a use permission response to the card-available store.

12. The card authentication program according to claim 11, further comprising:

means for executing settlement with the card once the confirming means confirms that the use of the card is permitted, and

wherein once the card settling means completes the settlement with the card, a use permission response is transmitted to the card-available store.