JP2002109425A - Electronic money, electronic store and electronic bank - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide electronic money that enables the purchase of inexpensive commodities electronically and a circulation system that makes it circulate through an electronic store, an electronic bank and so forth. SOLUTION: A mobile communication equipment integrating an electronic coin, an electronic card and an electronic purse in an inside memory section is called as the electronic money and after downloading the information on desired amount of money from the electronic bank 14 through a public circuit by the electronic coin 101, it can be used repeatedly for an automated vending machine 2 within the amount of carrying money through a private communication network that does not generate any communication cost.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money, an electronic store and an electronic bank.

[0002]

2. Description of the Related Art As a means of settlement in place of cash, there is an electronic money manager as disclosed in Japanese Patent Application Laid-Open No. 12-175268. There are two types of electronic money, an IC card type and a network type.

[0003] The former uses an IC card to transfer the same value as cash.
Data corresponding to the required amount of money is transferred to and stored in the C card in advance, and the user goes to a store where the IC card can be used, and at that store, the amount of money is read by the IC card reader into which the IC card is inserted. Is read and the payment is settled.

On the other hand, the latter issues an E-cache that can be used on a network such as the Internet, and
When a desired product is purchased on the network, payment is made on the network by E-cash. However,
In both cases, if the purchase is several thousand yen, it may be frequently used for a small amount of money, and it may not be worth the cost (commission) required for payment and network use. Therefore, in order to reduce the cost, one had to resort to using a prepaid card.

Next, the current state of currency-related financial distribution will be described with reference to FIGS. 18, 19, and 20. FIG. FIG.
FIG. 8 is a view for explaining a conventional form of cash;
Is a coin and 2 is a vending machine.

In the figure, a coin 1a is a 500 yen coin,
The coin 1b is a 100-yen coin, and the coin 1c is a 10-yen coin. An electronic money using a prepaid card or an IC card is used.
At present, coins must be used for inexpensive products such as those purchased at the vending machine 2 due to costs such as card issuing costs and communication costs.

FIG. 19 is a view showing the form of a conventional wallet, wherein 3 is a wallet, 4 is a bill storage unit, 5 is a coin storage unit, and 6 is a coin storage unit.
Is a card storage unit. In the figure, a wallet 3 is a bill storage unit 4 for storing bills, a coin storage unit 5 for storing coins,
It mainly comprises a card storage section 6 for storing various cards.

In recent years, a card has become very convenient instead of cash. However, its use, bank affiliate, trust company affiliate, dealer affiliate, etc., card function, and the hardware Due to the differences between the two, you must carry a card with many functions.

FIG. 20 is a view for explaining a conventional cash and various cards distribution form, wherein 10 is cash, 11 is a bus,
12 is a train, 13 is a store, 14 is a bank, 15 is a departure
, 16 is a credit company, 17 is a dedicated terminal, 18 is a bus card, 19 is an Iocard, 20 is an orange card,
21 is a departure card, 22 is a credit card, 23
Is a debit card, 24 is an IC card, 25 is a cash card, 26 is a loan card, 27 is a cash purchase route, 28 is a card purchase route, and 29 is a card credit guarantee. It is a route. Note that 2 in FIG. 20 is denoted by the same reference numeral for the same configuration as in FIG. 18 and for the corresponding configuration.

In FIG. 1, a purchase path 27 using cash is indicated by a thick white line, a purchase path 28 using a card is indicated by a thick black line, and a credit guarantee path 29 using a card is indicated by a thin black line. Cash 1
Although 0 is used in a broad sense including coins and bills, cash 10 allows the purchase and various services of the vending machine 2 and various other services. Unfortunately, it is only possible to use cash or prepaid cards to purchase cheaper products.

The prepaid card is a card that is paid in advance and purchased, such as a bus card or a JR orange card. A predetermined denomination is printed on the surface of the prepaid card, and the same denomination is also recorded by magnetism. The product can be purchased up to a predetermined face value recorded on the prepaid card.

When using this prepaid card,
A dedicated device for magnetic reading and writing for confirming and changing the recorded amount is required. For this reason, in order to realize a payment system using a magnetically recorded prepaid card, it is necessary to operate the above-mentioned hardware in various places, which is enormous and expensive, and can be realized only by a large, well-financed company. It was difficult.

The magnetic card type which is the most orthodox prepaid card is a bus card 18 used for the bus 11 and a card card used for the train 12 is an iodo card.
It is necessary to pay cash 10 in advance and purchase a special vending machine for the card 19, the orange card 20, and the highway for the expressway.

After purchase, this kind of prepaid card can be used in places where the use of the card is recognized as having the same value as cash. However, since responsibility for theft or loss after purchase of this type is at the forefront of the purchaser, this type of card is socially unsuitable for the purchase of expensive products and is not suitable for inexpensive products. It is becoming popular for purchase.

The store 13 symbolically represents a facility where goods can be purchased, a facility where services for services can be enjoyed, a facility where services for eating and drinking can be enjoyed, and the like. Also, the departure card 21, credit card
Although a card 22, a debit card 23, an IC card 24, etc. can be used, these cards are significantly different from a prepaid card in terms of use.
This is a post-payment system in which you only have to pay in a few months, even if there is no 0, and there is an institution that guarantees the behavior to the purchaser.

The departure card 21 is guaranteed by the departure 15, the credit card 22 is guaranteed by the credit company 16, and the debit card 23 is directly guaranteed by the bank 14. The department 15 and the credit company 16 mutually implement guarantee sharing.

A card different from the above-mentioned usage forms is a cache card 25 and a row card 26. Both cards cannot be used directly for shopping with this card, but if the cash card 25 has an account in the bank 14 in advance and makes a deposit, the cash card 25 will be within the remaining balance of the account. It is used when withdrawing or depositing cash.

On the other hand, the loan card 26 is the same as the cash card 25 in terms of a card used for withdrawing cash.
A credit institution such as a credit sales company or a financial company lends and lends to individuals, and the credit institution is a card for the purpose of obtaining interest during the lending period. . In addition, although shopping is not possible with the cash card 25 or the row card 26, the debit card 23 attempts to make this possible.

The most recent and the most popular IC card as a medium for electronic management in the future will be explained. The built-in storage capacity is orders of magnitude larger, so it can be expected to significantly improve its function, and its reputation is not good despite its use experiments in various places. The biggest causes of this bad reputation are that the user side has to go to the location of the dedicated terminal 17 and that the provider side cannot prepare a large number of dedicated terminals 17 in terms of cost. .

As described above, the electronic money is applied in the form of an IC card. However, cash deposited at a financial institution is withdrawn, stored in a dedicated IC card, and stored in a dedicated IC card. Payment is made from an IC card at a specific store where the service can be used, and a dedicated card specific to an institution providing a service having an IC card function is required. Requires a dedicated terminal for downloading.

[0021]

As described above, a conventional system for purchasing a product by an electronic manager using an IC card requires a high infrastructure cost for installing a dedicated terminal and the like. Is also required for purchasers who use the IC card, and the running cost occupying the product price is high, so that it cannot be applied to inexpensive products.

[0022]

SUMMARY OF THE INVENTION The present invention solves the above-mentioned problems. The present invention solves the above-mentioned problems by improving the functions of a standard mobile communication device that is small and widely used for telephone calls, thereby improving infrastructure costs and operating costs. Both costs are aimed at providing inexpensive e-money, e-sellers and e-banks.

According to a first aspect of the present invention, there is provided a mobile communication device for exchanging information by communication with the outside, a receiving means for receiving electronic data corresponding to a price as a part of information, and an electronic data received by the receiving means. Storage means for storing and storing data; setting means for setting electronic data corresponding to the usage amount within the range of the amount of electronic data stored and stored in the storage means; and setting means for setting the electronic data. An electronic manager having transmission means for sending electronic data to the other party. It is also possible to use information on electronic coins that are equivalent to money and can be distributed electronically as the electronic data.

Further, as the electronic coin, Japanese yen for coins, Japanese yen for banknotes, US dollar, Canadian dollar,
Stralia dollar, New Zealand dollar, Hong Kong dollar, United
B, German mark, British pound, French franc,
An electronic money that can use at least one of Swiss francs, Spanish peseta, Italian lira, Thai baht, and other foreign currencies may be used.

As this electronic card, an electronic manager in which at least one of a prepaid card, a postpaid card, a simultaneous payment card, a point service card and the like can be used. is there.

Here, the prepaid card may be an electronic manager which can use at least one of a bus card, an orange card, an iocard, a metro card, a shopping card,... .

As a postpaid card, a departure card is used.
An electronic manager in which at least one or more of a credit card, a credit card, a calling card and the like can be used.
Note that the simultaneous payment card includes a debit card and an I card.
An electronic money that can use at least one of a C card, a Loan card, and the like may be used.

As the point service card, a mileage card, a shopping card, and a member card are used.
An electronic money that can use at least one or more of the cards and the like may be used. Further, an electronic manager which can use at least one electronic card among these various cards may be used.

As a means for maintaining the security of the electronic money, an identification number of the sender can be added, and as this identification number, a telephone number for a call of the sender may be used. Further, a key lock function that allows a third party to use the operation keys and a function that warns of the remaining battery level may be provided.

Also, as electronic data, an electronic coin,
An electronic manager that enables one or more of various electronic cards may be used.

In the above, adding means for adding received electronic data to stored electronic data already stored and stored, and subtracting means for subtracting set electronic data from stored electronic data already stored and stored. May be an electronic money manager having
As the number of digits of the data, digits after the decimal point may be handled.

An electronic manager characterized by using a transceiver function of a PHS telephone as the dedicated wireless communication means may be used. An electronic manager which uses the transceiver function of the PHS type telephone so that the transmission power is lower than that of communication with an external mobile communication base station.
But it is good. As this dedicated wireless communication means, Bluetooth
The other communication system may be used.

As a dedicated wireless communication means, an optical P
A PM communication method may be used, and as a specific measure for encrypting communication data in this dedicated wireless communication means, a caller ID notification function of a commercially available portable telephone or PHS telephone may be used. .

Further, the other party of the dedicated wireless communication may be an electronic store that receives electronic data equivalent to money and provides goods or services. Finally, it is also possible to receive data via a public line from a mobile communication device having a built-in electronic money or an electronic bank as the other party of the dedicated wireless communication.

According to a second aspect of the present invention, there is provided receiving means for receiving electronic data corresponding to the amount of money from an external device, storage means for storing the electronic data by the receiving means in an internal storage unit of the equipment, and storage means. Setting means for setting the electronic data corresponding to the remittance amount within the range of the amount of the stored electronic data, and sending the electronic data set by the setting means to the other party by the dedicated wireless communication means. It is an electronic store equipped with transmission means.

As the electronic data, Japanese yen of coins, Japanese yen of banknotes, US dollar, Canadian dollar, Australian dollar, New Zealand dollar, Hong Kong dollar, Euro, German mark, British pound, French franc, Swiss An electronic store that has a device that enables use of at least one of franc, Spanish peseta, Italian lira, Thai baht, and other foreign currencies may be used.

As means for receiving the electronic data, the vending machine determines the identification code from the customer,
An electronic store that owns a device that does not cause mixing with other customers may be used, or an electronic store that owns a device that uses the caller ID of a telephone for use as an identification code may be used.

Further, there is provided an apparatus having adding means for adding received electronic data to stored electronic data already stored and stored, and subtracting means for subtracting set electronic data from stored electronic data already stored and stored. You may be your own electronic retailer.

As means capable of receiving the above electronic data, a first step for notifying the input of the electronic data, a second step for notifying the selection of the goods, and a third step for notifying the discharge of the goods. An electronic retailer that owns a device having the above may be used.

Further, as a means capable of receiving the above-mentioned electronic data, an electronic vending machine provided with means for controlling the interruption prohibition flag on the vending machine side so as not to be confused with other customers may be used. As the number of digits of the electronic data, a device may be provided which also handles digits after the decimal point.

According to a third aspect of the present invention, there is provided receiving means for a bank to receive electronic data corresponding to an amount from outside, storage means for storing the electronic data by the receiving means in an internal storage unit of the mobile communication device, Setting means for setting electronic data corresponding to the operating amount within the range of the amount of stored electronic data; and a mobile communication device using a normal communication device and the mobile communication device. An electronic bank having a device provided with transmission means for transmitting electronic data set by the setting means to an electronic store or the like which conducts business transactions by transferring electronic data between them.

The electronic data includes Japanese yen, US dollar, Canadian dollar, Australian dollar, New Zealand dollar, Hong Kong dollar, Euro, German mark, British pound, French franc, Swiss franc, Spanish peseta, Italian lira , Thai baht, and other foreign currencies may be used.

Here, the stored electronic data that has already been stored is stored.
The electronic bank may be an electronic bank having a device having an adding means for adding the received electronic data to the data and a subtracting means for subtracting the set electronic data from the stored electronic data already stored.

The holder who has obtained the electronic data by the method described here operates the electronic data, and gives the receiver who received the electronic data an amount desired by the receiver. An electronic bank provided with means for exchanging for cash or another financial product may be used.

The recipient of the electronic data is mainly exchanged for cash, and the recipient of the electronic data is exchanged between currencies of various countries. The recipient of the electronic data has been entrusted with the operation of the received electronic data, and the number of digits after the decimal point is treated as the number of digits of the electronic data. An electronic bank having such a device may be used.

In the following description, a mobile communication device will be described as a portable telephone, but it represents a small portable device such as a PHS type portable telephone or a car telephone which can be easily carried by an individual. In this case, all items having a wireless communication function are represented.

[0047]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 FIG. 1 is a block diagram showing Embodiment 1 of the electronic money manager according to the present invention.
101 is a mobile phone. In addition, 2 and 14 in FIG. 1 have the same reference numerals for the same and corresponding configurations as those in FIGS. 18 and 20.

In the figure, a portable telephone 101 previously downloads a desired amount of money from a bank 14 through a public line and temporarily sells 10,000 yen, and within the range, a vending machine 2 or other vending machine which is purchased with ordinary coins. The data equivalent to a coin is temporarily transferred to the vending machine 2 by a dedicated wireless communication method.
A mechanism that has a means to receive this data is constructed.

Here, as for communication costs, assuming that the cost for downloading from the bank 14 is 10 yen per time, it is 0.1% per 10,000 yen, which is acceptable in terms of cost (fee). Although it is within the range, if communication costs of 10 yen are generated by using a public line to purchase a product of 100 yen, the burden is 10%, which is not a very acceptable range.

According to the above-mentioned ratio of communication costs, if a product of 1,000 yen or less is purchased through a public line, communication costs of 1% or more will be incurred, which is impractical. As a dedicated wireless communication method, a PHS type mobile phone is standard equipment, and a transceiver function method that can be used for free in a short-distance range, a PPM method using infrared rays or a dedicated wireless communication method. You need to have a way to make communication costs free using the method.

FIG. 2 is a diagram for explaining the basic concept of an electronic coin according to the present invention.
a to 202d are money. In addition, 1a-1c in FIG.
In FIG. 18 and FIG. 2, reference numeral 101 is the same as in FIG.

In the figure, the electronic data of the electronic coin can be stored and stored in the memory unit 201 inside the mobile phone 101, and the coin 1a of a 500 yen coin, the coin 1b of a 100 yen coin, and the coin 1c of a 10 yen coin Coins such as 10,000-yen banknote 202a, 5,000-yen banknote 202b, and 1,000-yen banknote 20
2c total coins and 1 yen coin 2
One electronic data of the electronic coin corresponding to the total amount of money up to 02d can be stored.

As described above, when money is used as one piece of electronic data, the minimum unit does not necessarily have to be one yen, and it is possible to accurately manage electronic data having a decimal part. It is also possible to accumulate fractional amounts based on discount rates and the like.

FIG. 3 is a diagram for explaining a block diagram for calculating an electronic coin by the mobile phone of the present invention.
1 is a receiving unit, 302 is a received coin recognition unit, 303 is an addition / subtraction unit, 304 is a memory unit, 305 is a transmitted coin setting unit,
Reference numeral 306 denotes a transmission unit.

In the figure, when electronic coins are mainly received from a bank from the outside, the receiving unit 3 inside the mobile phone is used.
01 receives the data of the amount corresponding to the electronic coin,
The received coin is sent to the received coin recognition unit 302,
In step 2, the received amount is notified to the owner by means such as display or the like, and data corresponding to the amount is added / subtracted by the addition / subtraction unit 3.
03, and in the addition / subtraction unit 303, the memory unit 3
The sum is added to data corresponding to the amount stored in the storage unit 04 and the total amount is stored in the original location of the memory unit 304.

When the electronic coin is to be transmitted to the vending machine mainly to the outside, data of the amount of money corresponding to the electronic coin set in the transmission coin setting unit 305 including a key input and a display in the mobile phone is stored. At the same time as sending to the transmission unit 306, the data is also sent to the addition / subtraction unit 303, and the addition / subtraction unit 303 subtracts the data corresponding to the amount already stored in the memory unit 304 and stores the total amount in the original location of the memory unit 304. Store.

Here, if the amount of the electronic coin to be transmitted is set to be larger than the amount already stored in the memory unit 304, the transmission possible signal is not permitted from the addition / subtraction unit 303 to the transmission unit 306, so that the hand-held coin is held. It tries to prevent incorrect transmission of electronic coins exceeding the amount. In this case, an error message is sent to the owner.

FIG. 4 is a diagram for explaining an example of use of the electronic money according to the present invention, wherein 401a to 401c are messages. Note that 2 in FIG. 4 is 10 in FIG. 18 and FIG.
1 has the same reference numerals for the same and corresponding components as those in FIG.

In the figure, the mobile phone 101 prepares for remittance of an electronic coin of 100 yen, and transmits the electronic coin to the vending machine side by dedicated wireless communication. The first step in expressing the message 401a,
The second step is to send a message 401b saying "Please select a product." Finally, the third step is to send a message 401c saying "Please pick up a product." .

Here, as a means for expressing the message sent in the first to third steps, any of a means such as an LED, a liquid crystal display, a means for generating a message by voice, and a means for printing is used. Including one or more.

FIG. 5 is a diagram for explaining a block diagram for calculating an electronic coin by the vending machine of the present invention. Reference numeral 501 denotes a commodity price recognition unit, and 502 denotes a comparison unit. In FIG. 5, reference numerals 301, 302, 303, 304, 305, and 306 denote the same components as those in FIG.

In the figure, when electronic coins are mainly received from a mobile phone from the outside, the data of the amount corresponding to the electronic coins is received by the receiving unit 301 inside the vending machine and sent to the received coin recognizing unit 302. If the comparison unit 502 compares the money amount data from the received coin recognition unit 302 with the money amount data from the product recognition unit 501 and finds it equal, the received coin recognition unit 302 displays the received money amount to the owner by means such as display. At the same time, the data corresponding to the amount is sent to the addition / subtraction unit 303, and the addition / subtraction unit 303 adds the data to the data corresponding to the amount already stored in the memory unit 304 and adds the total amount to the original location of the memory unit 304. Store. If the comparison results of the data of the comparison unit 502 are not equal, error processing is performed and a retry is performed.

When the electronic coin is to be transmitted to an electronic bank mainly to the outside, the data of the amount corresponding to the electronic coin set in the transmission coin setting unit 305 in the vending machine is transmitted to the transmitting unit 306. At the same time, the data is also sent to the addition / subtraction unit 303, where the addition / subtraction unit 303 subtracts the data from the data corresponding to the amount already stored in the memory unit 304, and stores the total amount in the original location of the memory unit 304. The amount of money determined by the sending coin setting unit 305 can be determined in a timely manner based on the judgment of the owner of the electronic store, and a method of setting a desired amount of money is also possible.
When the amount of money stored in the memory unit 304 becomes equal to or more than a predetermined value, it is possible to automatically remit a predetermined amount of money or more to the electronic bank when appropriate. Also, it is possible to automatically remit a predetermined balance or more to the electronic bank every predetermined period. For example, if there is a balance of 10,000 yen or more every day at 12:00,
The purpose is to remit over 10,000 yen to an electronic bank. Further, both may be combined.

FIG. 6 is a diagram for explaining an example of a specification required for exclusive wireless communication for electronic money according to the present invention.
101a to 101c are mobile phones, and 2a to 2c are vending machines. In the figure, the purchaser's own mobile phone 10
There are a total of three, i.e., 1a, another person's mobile phone 101b, and another person's mobile phone 101c, and the vending machine 2a, the other vending machine 2b, and the other vending machine 2c that the purchaser himself wants to purchase. Assume that there is.

Here, when transmitting the electronic coin to the desired vending machine from the portable telephone by the exclusive wireless communication method, it is necessary to ensure that the electronic coin is not erroneously transmitted to the surrounding vending machines, and that the other The most important thing is not to be confused with people. Until the exchange of the electronic coin is completed, it is necessary to ensure that no access is received from another person, and that even if the electronic coin is sent while another person is using it, it is ignored. When the customer stands in front of the desired vending machine and transmits an electronic coin, the antenna power of the dedicated wireless communication of the mobile phone can reach only the power that does not enter the adjacent vending machine, for example, about 30 cm or less. As an example, there is a method of reducing the number until no change occurs. If two customers access at the same time, priority should be given to a slightly earlier one, and after communication between the customer and the vending machine has started, the communication frequency will be changed to a dedicated one. To prevent interference.

As a means for maintaining the security of the electronic money, it is possible to add a password or the like as the identification number of the sender, and it is also possible to use a telephone number for communication as the identification number. In addition, as a countermeasure against battery exhaustion in the device, the battery alarm function that warns of the remaining battery level, which is standard equipment in mobile phones for telephone calls, can easily achieve the purpose, preventing theft in the device. As a countermeasure, the purpose can be easily achieved by using a key lock function for prohibiting the use of the operation keys.

Further, even in a state where the purchaser operates the telephone by mistake, or when the portable telephone is used by another person when the telephone is picked up or stolen, the electronic coin can be used. It is desirable that the balance of the money is not withdrawn. This can be easily achieved by using a key lock function that prohibits the use of operation keys that are provided as standard on a mobile telephone for a call.

Further, as a method for coping with a failure such as an accident, theft, or damage to the mobile phone, the telephone number of the mobile phone that transmitted the used electronic data is included in a part of the electronic data. It is possible to create a system for the entire money distribution department that makes it possible to trace the electronic data distribution route. However, the entire society will be costly and contrary to the fact that coins originally intended by the present invention are easily and cheaply used and can be used easily anywhere.

Rather, knowing that there is a risk in advance, do not download large sums to mobile phones, and use the electronic money within the risk range of each purchaser. However, it is important from the viewpoint of the cost performance of society as a whole.

PPM (Pulse Position)
Modulation) communication and Bluetooth
Although a communication method such as th has been proposed and tried, a dedicated wireless communication method with a shorter distance, weaker power, and a smaller amount of data can be used as the communication method used here.

However, it is better to use a method that is widely used in general, such as a transceiver function provided as a standard feature in existing PHS telephones, until the present invention is widely used. However, as the overall cost becomes lower and the use thereof increases, the dedicated wireless communication system unique to the present invention should become cheaper.

FIG. 7 is a flowchart showing a purchase procedure by the electronic money according to the present invention. Here, Ju
In the description of the operation flow of the purchaser and the information terminal side and the vending machine side when purchasing a product with a vending machine such as a software, a coller, etc. A flow that leads to the solution of the problem of confusion with a vending machine will be described. First, the purchaser checks the price of the product displayed on the vending machine for the product that he / she wants to purchase. Assuming that the price is 100 yen, it is determined whether the amount is within the range of the remaining balance in the mobile phone. Is confirmed to be 900 yen as a result of checking the remaining amount of coins.

Next, when 100 yen is input by setting the purchase amount (ST01) using the input means on the mobile phone, the usage amount (ST02) is displayed on the display unit on the mobile phone.
Is displayed as 100 yen. With respect to this amount, a communication procedure can be determined so that the vending machine sends electronic data by dedicated wireless communication.

Further, the vending machine to be purchased is visually checked to determine whether another person is using the vending machine or whether the vending machine is out of order. Is displayed (ST10), and if the confirmation of "is it possible to sell?" Is YES (ST03), the electronic coin is transmitted by the operation on the mobile phone (ST04). ), Sending electronic data corresponding to an electronic coin of 100 yen to the vending machine by dedicated wireless communication.

The vending machine receives the electronic coin from the purchaser and sets another electronic coin acceptance prohibition flag at the same time (ST11), thereby prohibiting mixing with other purchasers. Next, following the display of "Electronic coin has been inserted" (ST12), the display of "Please select a product." Or an announcement by voice (ST13).
Flow. As described above, the state is the same as when the actual coin is inserted into the vending machine, and the desired commodity is designated by pressing the commodity button by the operation switch on the vending machine (ST06).

When the vending machine detects that the commodity button has been pressed and the amount of the electronic coin transmitted from the mobile phone matches the amount of the selected commodity (ST14), the vending machine completes receiving the electronic coin from the vending machine. The signal of (ST15) is transmitted to the purchaser, the product is carried out (ST16), a message of "Please take it" is output (ST17), and the coin acceptance prohibition flag is released (ST18). , Display of "Can sell" in normal state (ST1
0) to enter the standby state.

If the purchase of the merchandise is successful, the purchase of the merchandise is successful (ST07). When the purchaser's mobile phone receives a signal indicating that the electronic coin has been accepted (ST15), the remaining balance is displayed on the mobile phone (ST08). 8, the balance display of 900 yen is reduced to 800 yen, and the memory unit 30 of FIG.
4, the subtracted value is stored and displayed.
The buyer can confirm that the transfer was successful.

If the amount of the electronic coin transmitted from the mobile phone does not match the amount of the selected commodity (ST14), a message indicating that coin reception has failed (ST19) is made.
A message is output to prompt the purchaser to retry, the coin acceptance prohibition flag is cleared (ST18), the normal state "Sellable" (ST10) is displayed, and the apparatus enters the standby state. In this case, since the purchaser has determined that the purchase of the product was successful (ST07) is NO, the purchase operation at that time ends once, and a retry is performed again from the beginning.

Here, it is easy to send the electronic data to the vending machine side by dedicated wireless communication by setting on the terminal instead of manually as a product selection method for specifying a desired product. This is possible, so that the product number is input by the input means on the mobile phone, and is assumed to be equivalent to a case where the product number is tentatively selected by pressing the product button (ST06) using the operation switch on the conventional vending machine. Can also be.

After receiving the goods (ST09), the purchaser and the information terminal are completed, and the vending machine returns to the top and can sell until the next purchaser is displayed (ST10), and stands by in a standby state. Will do.

The main reason why the amounts do not match (ST14) is that the user wants to purchase a 110 yen product,
When sending an amount of less than the product, such as when trying to send an electronic coin of 0 yen, or when sending an amount of more than the product, such as when trying to send an electronic coin of 120 yen, it may occur. .

When an electronic coin is sent in a smaller amount than the amount of the product, the conventional method of purchasing with cash usually does not permit the vending machine to select a product that is more expensive than the inserted amount. Since it is usually possible to purchase an additional coin when the additional coin is inserted, a procedure for transmitting the additional electronic coin may be adopted.

Also, if an electronic coin is sent in an amount larger than the amount of the product, the change is usually returned by the conventional cash purchase method. A procedure for receiving a change using data may be adopted.

FIG. 8 is a block diagram for explaining a calculation block diagram of an electronic coin with currency discrimination according to the present invention. Reference numeral 801 denotes a currency setting unit, and 802 denotes a memory control unit. Note that 301, 302, 303, 304, 30 in FIG.
5 and 306 are denoted by the same reference numerals as those in FIG.

Next, a description will be given of a method of calculation in the case where the electronic coin targets a currency of each country. In the case where the electronic coin is mainly received from a bank from the outside, the electronic coin is received by the receiving unit 301 inside the mobile phone. Is received and sent to the received coin recognition unit 302, and the received coin recognition unit 302 notifies the owner of the received amount of money by means of display or the like, and adds or subtracts the data corresponding to the amount of money. To the unit 303, and in the addition / subtraction unit 303,
The sum is added to data corresponding to the amount of money already stored in the memory unit 304, and the total amount is stored and stored in the original location of the memory unit 304. At this time, the received coin recognition unit 302 determines the data of the amount of money and the type of currency, sends a signal to the memory control unit 802, and
02 is controlled so as to designate a storage location allocated for the currency of the memory unit 304.

When the electronic coin is to be transmitted to the vending machine mainly to the outside, the type of currency set in the currency setting unit 801 including a key input and a display inside the portable telephone is set to the transmission coin setting unit 305. To send and send coin setting section 3
At 05, the data of the amount corresponding to the electronic coin is transmitted by the transmitting unit 3.
At the same time, the data is also sent to the addition / subtraction unit 303, where the addition / subtraction unit 303 subtracts from the data corresponding to the amount of money already stored in the memory unit 304 and stores the total amount in the original location of the memory unit 304. I do.

Here, when the amount of the transmitted electronic coin is set to be larger than the amount already stored in the memory unit 304, the transmission enable signal is not permitted from the addition / subtraction unit 303 to the transmission unit 306. .

FIG. 9 is a block diagram showing an example of the use of various electronic cards according to the present invention.
This is a mobile phone with a built-in function. Note that 2 in FIG. 9 corresponds to FIG.
8, 11, 12 and 13 in FIG. 9 are 10 in FIG. 20 and FIG.
1 has the same reference numerals for the same and corresponding components as those in FIG.

The functions of the various cards used in the description of FIG. 20 are included in the portable telephone of FIG. 1 in the portable telephone 101 of FIG.
In the same manner as the case where the contents of the electronic coin are stored in the internal memory section 201 of FIG. 3A, the internal memory section of the portable telephone is stored and stored in correspondence with various cards.

In the figure, a portable telephone 9 with a built-in card function is shown.
01a corresponds to a bus card, a cellular phone with built-in card function 901b corresponds to an iocard or an orange card, a cellular phone with built-in card function 901c corresponds to an IC card, and a card function. The built-in mobile phone 901d is a debit card
The mobile phone with built-in card function 901e supports the credit card, and the mobile phone with built-in card function 901
1f corresponds to a de-pard card.

Using the mobile phone 101a having a cash function, a vending machine 2 is used to purchase a product, and the mobile phone with built-in card function 901a is used to make a call with a public telephone, and the card function is used. Using the built-in mobile phone 901b, the user gets on a train 12 such as a train, and has a card function built-in mobile phone 901c, a card function built-in mobile phone 901d, a card function built-in mobile phone 901e, and a card function built-in mobile phone. The telephone 901f can be used for shopping, eating and drinking at the store 13.

FIG. 10 is a block diagram showing a distribution form of various electronic cards according to the present invention. Reference numeral 901 denotes a portable telephone. It should be noted that 14, 15, 16, and 17 in FIG.
Reference numerals 0 and 901a to 901f in FIG. 10 denote the same components in FIG.

In the figure, a cellular phone 901 is an electronic version of a cash card or a row card.
The mobile phone with built-in function 901a, the mobile phone with built-in card function 901b, and the mobile phone with built-in card function 901c download the information of the corresponding card and perform the function as each electronic card. You can have it.

The portable telephone with built-in card function 901d can download the information of the debit card from the bank 14 and have a function as an electronic debit card.
The mobile phone with built-in card function 901e can download credit card information and have a function as an electronic credit card.
1f downloads the information of the departure card and has a function as an electronic departure card.

The bank 14 is connected to the mobile phone 901 and checks in real time whether the information request from each mobile phone with a built-in card function is appropriate in the sense of a credit check. It has been implemented every time.

Even in the use of the electronic card for each individual function unit, since these electronic cards are used in a portable and non-contact manner, a long queue at a cash register is eliminated when shopping is performed. There is an effect of being performed, and a very large effect can be expected not only for the individual who uses the device but also for society.

Embodiment 2 FIG. 11 is a block diagram showing an embodiment of an electronic wallet according to the present invention. Reference numeral 1101 denotes a mobile phone with a built-in electronic wallet. Note that 2 in FIG. 11 is the same as in FIG. 18, and 11, 12, and 13 in FIG. 11 are the same as those in FIG.

In the figure, a mobile phone 1 with a built-in electronic wallet
Reference numeral 101 denotes an apparatus according to the second embodiment in which a plurality of functions can be stored in one unit. Thereby, if one mobile phone 1101 with a built-in electronic wallet is carried, shopping at the vending machine 2, getting on the bus 11 or the train 12, and selling at the store 1
3 can be used to carry out shopping, eating and drinking, and all other things that required money in the past.

In order to make the above possible, it is necessary to have an electronic store which has a device having a dedicated wireless communication means capable of receiving electronic data from the portable telephone 1101 with a built-in electronic wallet. The types of the electronic store include all items that are sold such as the vending machine 2, the bus 11, the train 12, and the store 13 and that pay for services, services, and the like.

FIG. 12 is a block diagram showing the concept of an electronic wallet according to the present invention.
Reference numeral 1202d denotes a card corresponding memory unit. FIG.
Reference numeral 1101 in FIG. 2 has the same reference numerals for the same and corresponding components as those in FIG.

In the figure, a mobile phone 1 with a built-in electronic wallet
The memory unit 1201 inside the memory 101 is composed of memory units allocated for various kinds of cards. For example, the card corresponding memory unit 1202a corresponds to an electronic coin, and the card corresponding memory unit 1202b corresponds to an electronic cash card. Correspondence, car
The card correspondence memory unit 1202c is compatible with an electronic card, and the card correspondence memory unit 1202d is compatible with a debit card.

As described above, the mobile phone 1 with a built-in electronic wallet
101 eliminates the complexity of the mobile phone 901 with a built-in electronic card.

Embodiment 3 As described above, all kinds of electronic coins, various cards, and electronic wallets are subject to changes in the times, regional characteristics, and the conditions of the adopted industry, etc.
It is difficult for conventional banks to deal with them alone, and there is a need for an electronic bank that specializes in e-financing.

FIG. 13 is a view for explaining an example of a menu screen by the mobile phone of the present invention. In the figure, FIG.
(a) is an example of a screen display for selecting electronic money. When the first is selected, an electronic coin is selected, when the second is selected, a cash card is allocated, and the third is allocated as a loan card. A desired type of electronic money can be selected. FIG. 13 (b) is an example of a screen display for selecting a currency. When the first is selected, Japanese yen is selected, when the second is selected, the US dollar is allocated, and the third is allocated as Canadian dollar. A desired currency type can be selected.

FIG. 14 is a diagram for explaining a block diagram for calculating electronic money according to the present invention. Reference numeral 1401 denotes a received money recognition unit, 1402 denotes a transmission money recognition unit, and 1403 denotes a money setting unit. Note that 301, 303,
Reference numerals 304 and 306 denote the same components and corresponding components in FIG.

When electronic money is mainly received from a bank from the outside, the data of the amount corresponding to the electronic coin is received by the receiving unit 301 inside the portable telephone, and is sent to the received money recognizing unit 1401. At 1401, the received amount is notified to the owner by means such as display, and data corresponding to the amount is sent to the addition / subtraction unit 303, and the addition / subtraction unit 303 corresponds to the amount already stored in the memory unit 304. The sum is added to the data and the total amount is stored and stored in the original location of the memory unit 304.

At this time, the received money recognition unit 1401 discriminates the data of the amount of money and the type of currency, sends a signal to the memory control unit 1404, and
Reference numeral 04 is controlled so as to designate a storage location assigned to the currency in the memory unit 304.

When electronic money is mainly transmitted to the vending machine to the outside, the type of money set in the money setting unit 1403 including a key input and a display in the mobile phone is transmitted to the transmission money setting unit 1402. The sending and sending money setting unit 1402 sends the data of the amount corresponding to the electronic money to the sending unit 306, and also sends the data to the adding / subtracting unit 303.
The addition / subtraction unit 303 subtracts the data corresponding to the amount of money already stored in the memory unit 304 and stores the total amount in the original location of the memory unit 304.

If the amount of the electronic money to be transmitted is set to be larger than the amount already stored in the memory unit 304, the transmission enable signal is not permitted from the addition / subtraction unit 303 to the transmission unit 306. It is designed to prevent incorrect transmission of electronic money exceeding the amount. In this case, an error message is output to the owner.

FIG. 15 is a block diagram showing an embodiment of an electronic bank according to the present invention.
101c,... Are a mobile phone with a built-in electronic wallet, 1501 is an electronic bank, and 1502 is a bank. Note that 2 in FIG.
In FIGS. 18 and 15, reference numerals 11, 12, and 13 denote the same components as those in FIG.

In the figure, an electronic bank 1501 is a portable telephone 1101a, 1101b, 1101 with a built-in electronic wallet.
Download electronic coins and various electronic cards to c, ..., vice versa, bus 11, train 1
2. Uploading of the electronic money used by the customer at the store 13 or the like. Conventionally, vending machine 2, bus 11,
The electronic money, which has been set up as cash on the train 12, the store 13 or the like, can be transferred to the electronic bank 1501 with high frequency.

The electronic coins sent from each store are small coins, but if the whole is collected, the money that has been neglected until now can be effectively managed by the electronic bank 1501 with other banks 1502. It becomes. Assuming that 10,000 remittances are sent daily at 10,000 electronic vending machines that have the function of the vending machine 2, 150 days will be calculated as 300 days in consideration of a vacation in one year. When calculated from the customer's side to use, for example, 10
If 100,000 people use 10,000 yen, it will cost 100 billion yen,
An electronic bank 1501 of this size can be expected from the beginning.

Here, the other banks 1502 are collectively described in one line. However, depending on the timing, this may be any bank, investment trust, securities company, commodity futures trading company, foreign exchange transaction, etc. Collectively refers to trading partners for products and real estate.

As a result, funds that have been neglected in the past can be effectively used. In addition, the inside of the vending machine 2 at night is forcibly destroyed, and crimes such as removing cash are eliminated.

FIG. 16 is a diagram for explaining a block diagram for calculation by the electronic bank of the present invention. 1601 is an account recognition unit, 1602 is an account management unit, 1603 is an account unit, and 16
04 is a money recognition unit, 1605 is a received money management unit, 1
Reference numeral 606 denotes an individual recognition unit, and 1607 denotes a transmission money management unit. Note that 301, 303, and 306 in FIG. 16 have the same reference numerals as those in FIG.

In the figure, the main information is obtained by the receiving unit 301 inside the computer of the electronic bank, and roughly classified into an account recognizing unit 1601 for recognizing the account of the sender and various types of cards. The money recognizer 1603 for recognizing the meaning of money and the amount of money classified according to the type of currency in each country and the individual of the sender who has accessed the bank are required to make sure that they are correct. It is composed of a personal recognition unit 1606 for identifying whether or not there is an access.

The information recognized by the account recognition unit 1601 is associated with more detailed management information by the account management unit 1602, and is managed in association with the account desired by the sender in the account unit 1603.

When electronic money is mainly received from an electronic store from the outside, the value of the received amount recognized by the received money recognition unit 1604 is sent to the received money management unit 1605, and the type of various money, for example, the type of electronic card And information on the type of currency, for example, Japanese yen, US dollar, etc., is sent to the account management unit 1602. Received money management unit 1
At 605, the received amount is notified to the owner by means such as display, and data corresponding to the amount is sent to the addition / subtraction unit 303. The addition / subtraction unit 303 checks the account already specified by the information from the account management unit 1602. The total amount is added to the data corresponding to the amount stored in the unit 1603, and the total amount is stored in the original location of the account unit 1603.

When electronic money is to be transmitted to a portable telephone mainly to the outside, an individual recognizing unit 1606 inside a computer of the electronic bank checks whether there is an error in an individual whose information from the receiving unit 301 is registered in advance. I do. Specific methods include personal identification numbers, personal identification numbers, personal identification numbers,
It is confirmed that there is no difference in the access from the registered individual using the biometric identification method or the code whose procedure is determined in advance by both sides. When the information is confirmed as described above, the information is transmitted to the transmission money management unit, and the amount recognized by the money recognition unit 1604 is transmitted to the transmission unit 306 and the addition / subtraction unit 303. The adding / subtracting unit 303 subtracts data corresponding to the amount of money already stored in the account unit 1603, and stores the total amount in the original location of the account unit 1603.

If the amount of the electronic money to be transmitted is set to be larger than the amount already stored in the account section 1603, the transmission enable signal is not permitted from the addition / subtraction section 303 to the transmission section 306, so that the user can hold the electronic money. It is designed to prevent incorrect transmission of electronic money exceeding the amount. In this case, an error message is sent to the owner.

FIG. 17 is a diagram for explaining the data format of electronic money used in the present invention. 1701 is an example of electronic data, 1702 is a currency identification unit of electronic data, and 17
03 is an electronic money identification unit of electronic data, 1704 is a money amount unit of electronic data, and 1705 is an example of allocation of a currency identification unit.
Reference numeral 706 denotes an example of allocation of the electronic money identification unit, and reference numeral 1707 denotes an example of a bus card.

In the figure, an example of electronic data 1701 shows an example of the format of electronic data when electronic money using a portable telephone is distributed between electronic banks and electronic stores. The electronic data example 1701 is basically composed of three parts. At the top of the electronic data example 1701, the electronic data currency identification unit 1702 indicating the type of electronic data currency and the electronic data type indicating the electronic card type are displayed. An electronic money identification unit 1703 and a price unit 1704 for electronic data representing the size of the price are provided.

Here, the amount section 1704 of the electronic data has a variable number of digits and is basically composed of only a number with no limit to the number of digits, and may have a decimal point if necessary. The following digits are also composed only of unlimited numbers. As described above, only the numeral string is used, but only the symbol representing the decimal point is identified by the decimal point.

In addition, the money amount section 1 of the electronic data of variable length
In the identification of 704, the part enclosed by the alphabets of the electronic data currency identification unit 1702 and the electronic data electronic money identification unit 1703 is determined as the electronic data amount unit 1704, and the electronic data amount unit 1704 is an integer data. Or data with a decimal point is determined by the symbol of the decimal point.

The currency identification unit 1702 of the electronic data is represented by one or more digits and characters and symbols other than the decimal point symbol. U.S. dollars, Canadian dollars, Australian dollars, New Zealand dollars, Hong Kong dollars, Euros, German marks, British pounds, French francs, Swiss francs, Spanish peseta, Italian lira, Thai baht, and other foreign currencies, Symbols represent regional currencies of the world, which are also variable in length, but usually require up to two digits. Note that, in the character string of the currency identification unit 1702 of the electronic data, a numeral is also permitted in an upper digit not in contact with the money amount unit 1704 of the electronic data.

The electronic data identification section 17 for electronic data.
03 is represented by one or more digits and characters and symbols other than a decimal point symbol, and includes bus cards, orange cards, iocards, bus cards, and metro cards described in Example 1706 of the allocation of the electronic money identification section. -Cards, Shopping Cards, Departure Cards, Credit Cards, Calling Cards, Debit Cards, IC Cards, Loan Cards, Mileage Cards
The type of electronic money is represented by a symbol for the card, shop card, and member's card, which is also variable in length and is insufficient in two digits due to its nature compared to the currency identification unit 1702 for electronic data. It is necessary to increase the number of digits as the number of consent increases. Note that, in the character string of the electronic money identification unit 1703, the money amount unit 1704 of the electronic data
Numerical characters shall be allowed in the lower digits not in contact with.

The upper two digits in the character string of the electronic money identification unit 1703 indicate the type of the card, and the next digit seems to have to be further classified by a number. As can be seen from the list of bus card examples 1707, even if only bus cards in Japan are considered, it is all possible if each bus company shifts from bus cards operated individually to electronic money. It seems that there may be cases where a common card alone is not enough, but it is necessary to be able to deal with it transiently.

Reference numeral 1705 denotes an example of the assignment of the currency identification unit.
Indicates the assignment of symbols to currencies, and registration shall be performed by an electronic bank. Alternatively, a public organization shall perform numbering and registration on behalf of the electronic bank. Also,
Reference numeral 1706 denotes an example of the assignment of the electronic money identification unit, and the assignment and registration of the symbol for the type of electronic money is performed by the electronic bank.

In the electronic bank, conversion between different currencies is performed by a request from a user by the currency identification unit 1702 of the electronic data, and the conversion rate is an exchange rate determined in an exchange market that changes every moment. Is converted with the consent of the user in such a way that the costs for the electronic bank to operate the bank are added as fees.

Next, what can be expected from the electronic bank 1501 is that if the above-mentioned electronic money and the like are found to be low-cost and convenient for small change, the use should be limited to only small change. If not, and if used as a payment method for most purchases,
And it is likely to be used worldwide.
As a result, not only the individual who uses the system, but also the cost for the maintenance of social infrastructure and the low running cost at the time of use, the effect of the society as a whole cannot be expected.

[0131]

As described above, it is possible to realize an electronic manager that can purchase inexpensive products at low cost. In addition, an electronic store that receives electronic money and sells products,
It is possible to establish an electronic bank that supplies electronic money to mobile communication devices, receives electronic money from electronic retailers, and exchanges cash and other financial products, and realizes a low-cost financial system as a whole society it can.

[Brief description of the drawings]

FIG. 1 is a block diagram showing Embodiment 1 of the present invention using an electronic coin.

FIG. 2 is a diagram for explaining a basic concept using an electronic coin of the present invention.

FIG. 3 is a diagram for explaining a block diagram for calculating an electronic coin by the mobile phone of the present invention.

FIG. 4 is a diagram illustrating an example of use of an electronic coin according to the present invention.

FIG. 5 is a diagram for explaining a block diagram for calculating an electronic coin by the vending machine of the present invention.

FIG. 6 is a diagram for explaining specifications required for exclusive wireless communication by an electronic coin according to the present invention.

FIG. 7 is a flowchart showing a purchase procedure using an electronic coin of the present invention.

FIG. 8 is a diagram for explaining a calculation block diagram of the electronic coin with currency discrimination of the present invention.

FIG. 9 is a block diagram showing Embodiment 2 of the present invention using an electronic card.

FIG. 10 is a block diagram showing a distribution mode using the electronic card of the present invention.

FIG. 11 is a block diagram showing an electronic wallet according to a third embodiment of the present invention.

FIG. 12 is a block diagram showing the concept of the electronic wallet of the present invention.

FIG. 13 is a diagram illustrating an example of a menu screen by the mobile phone of the present invention.

FIG. 14 is a diagram illustrating a block diagram for calculating electronic money according to the present invention.

FIG. 15 is a block diagram showing Embodiment 4 of the electronic bank of the present invention.

FIG. 16 is a diagram for explaining an operation block diagram by the electronic bank of the present invention.

FIG. 17 is a diagram illustrating a data format of electronic money used in the present invention.

FIG. 18 is a diagram illustrating a conventional form of cash.

FIG. 19 is a diagram illustrating a form of a conventional wallet.

FIG. 20 is a diagram illustrating a conventional cash and various card distribution modes.

[Explanation of symbols]

1a-1c coin, 2, 2a-2c vending machine,
3 wallet, 4 banknote compartment, 5 coin compartment,
6 card storage, 10 cash, 11 bus, 1
2 trains, 13 dealers, 14 banks, 15 departments, 16 credit companies, 17 dedicated terminals,
18 Bus Card, 19 Io Card, 20 Orange Card, 21 Depart Card, 22 Credit Card, 23 Debit Card, 24 IC
Card, 25 cash card, 26 loan card, 27 cash purchase route, 28 card purchase route, 29 card credit guarantee route,
101, 101a to 101c mobile phone, 201
Memory section, 202a to 202d money, 301 receiving section, 302 received coin recognition section, 303 addition / subtraction section, 304 memory section, 305 transmission coin setting section, 306 transmission section, 401a to 401c message, 501 commodity price recognition section, 502 Comparison section,
801 Currency setting unit, 802 Memory control unit, 901a to 901f Mobile phone with built-in card function, 1101, 1101a to 1101c Electronic wallet built-in mobile phone, 1201 Memory unit, 1202a
-1202d card correspondence memory unit, 1401 received money recognition unit, 1402 transmission money recognition unit, 14
03 Money setting section, 1501 Electronic bank, 150
2 Bank, 1601 Account Recognition Unit, 1602 Account Management Unit, 1603 Account Unit, 1604 Money Recognition Unit, 1605 Reception Money Management Unit, 1606 Personal Recognition Unit, 1607 Transmission Money Management Unit, 1701 Examples of Electronic Data, 1702 Currency of Electronic Data Identification part,
1703 Electronic money identification unit for electronic data, 170
4 Amount part of electronic data, 1705 Example of allocation of currency identification part, 1706 Example of allocation of electronic money identification part,
1707 An example of a bus card.

Claims (41)

[Claims] 1. A mobile communication device for exchanging information by communication with the outside, comprising: receiving means for receiving electronic data corresponding to a price as a part of the information; and receiving the electronic data received by the receiving means. Storage means for storing and storing; setting means for setting electronic data corresponding to a usage amount within a range of the amount of electronic data stored and stored in the storage means; and setting by the setting means. Transmission means for transmitting electronic data to the other party through dedicated wireless communication. 2. An electronic money manager as claimed in claim 1, wherein information of electronic coins having a value equivalent to money and being electronically circulated is handled. 3. The electronic coin according to claim 2, which includes Japanese yen, US dollar, Canadian dollar, Australian dollar, New Zealand dollar, Hong Kong dollar, Euro, German mark, British pound, French franc, Swiss franc, Spain An electronic money manager characterized in that at least one of Peseta, Italian lira, Thai baht, and other foreign currencies can be used. 4. The electronic data according to claim 1, wherein at least one of a prepaid card, a postpaid card, a simultaneous payment card, a point service card and the like can be used. An electronic money manager characterized in that: 5. The prepaid card according to claim 4, wherein the card is a bus card, an orange card, an iocard, or a metro card.
An electronic manager characterized in that at least one of a card, a shopping card, and the like can be used. 6. An electronic money management system according to claim 4, wherein at least one of a departure card, a credit card, a calling card and the like can be used as the postpaid card. -. 7. The electronic money manager according to claim 4, wherein at least one of a debit card, an IC card, a loan card, and the like can be used. -. 8. An electronic device according to claim 4, wherein at least one of a mileage card, a shopping card, a member's card, and the like can be used as the point service card. Money. 9. An electronic manager wherein at least one of the various cards according to claim 5 is usable. 10. The electronic money manager according to claim 1, wherein an identification number for specifying a sender is added. 11. The electronic money manager according to claim 10, wherein the telephone number of the caller on the side of the sender is used as the identification number according to claim 10. 12. The mobile communication device according to claim 1, wherein
An electronic manager comprising: an operation key capable of inputting setting information; and a key lock unit capable of prohibiting a third party from using the operation key. 13. The mobile communication device according to claim 1, wherein
An electronic manager comprising a warning unit for warning a remaining battery level. 14. An electronic money manager comprising at least one of the functions according to claim 11. Description: 15. An electronic money manager wherein at least one of the electronic coin according to claim 3 and the electronic card according to claim 5 to 9 is usable. 16. An electronic apparatus according to claim 2, wherein adding means for adding received electronic data to stored electronic data already stored and stored, and setting electronic data from stored electronic data already stored and stored. Electronic money comprising: subtraction means for reducing data. 17. An electronic money manager wherein a digit after a decimal point is handled as the number of digits of the electronic data according to claim 2. 18. An electronic money manager as set forth in claim 1, wherein a transceiver function of a PHS telephone is used. 19. An electronic device wherein the transmission power of the PHS type telephone set according to claim 18 is lower than that of communication with an external mobile communication base station by using the transceiver function. Money. 20. An electronic money manager, wherein a Bluetooth communication method is used as the dedicated wireless communication according to claim 1. 21. The dedicated wireless communication according to claim 1,
An electronic money manager characterized by using an optical PPM communication system. 22. An electronic money manager as claimed in claim 1, wherein a notification function of a caller number of a commercially available portable telephone or PHS telephone is used. 23. An electronic money manager, wherein the other party of the dedicated wireless communication according to claim 1 is an electronic store that receives electronic data equivalent to money and provides goods or services. 24. An electronic money manager comprising a mobile communication device having a built-in electronic money manager as a partner of the dedicated wireless communication according to claim 1. 25. An electronic money manager as claimed in claim 1, wherein said electronic data is received from an electronic bank via a public line as an external receiving means. 26. Receiving means for receiving electronic data corresponding to the amount of money from an external device, storage means for storing and storing the electronic data from the receiving means in an internal storage unit of the equipment, and storage by the storing means. Setting means for setting the electronic data corresponding to the remittance amount within the range of the amount of the electronic data; and transmitting the electronic data set by the setting means to the other party by the dedicated wireless communication means. Means, and an electronic store. 27. The electronic data according to claim 26, which includes Japanese yen, US dollar, Canadian dollar, Australian dollar, New Zealand dollar, Hong Kong dollar, Euro, German mark, British pound, French franc, Swiss franc. An electronic retailer having a device that can use at least one of Spanish peseta, Italian lira, Thai baht, and other foreign currencies. 28. As means capable of receiving the electronic data according to claim 27, the vending machine side discriminates the identification code from the customer side so as not to mix it with other customers. An electronic store that owns equipment. 29. The identification code according to claim 28,
An electronic retailer having a device that uses the caller ID of a telephone for calling. 30. An adding means for adding received electronic data to stored electronic data already stored and stored, and subtraction for subtracting set electronic data from stored electronic data already stored and stored. And an electronic retailer having a device having: 31. A means for receiving electronic data according to claim 27 to claim 30, wherein a first step of notifying the input of electronic data, a second step of notifying selection of a product, A third step of notifying that the goods have been carried out. 32. A means for receiving an electronic data according to claim 27, wherein said vending machine includes means for controlling an interrupt disable flag so as not to be confused with another customer. Electronic retail store characterized by the following. 33. An electronic store comprising an apparatus for handling digits after the decimal point as the number of digits of the electronic data according to claim 27. 34. Receiving means for a bank to receive electronic data corresponding to the amount of money from outside, storage means for storing and storing the electronic data received by said receiving means, and electronic data stored and stored in said storage means. Setting means for setting electronic data corresponding to the operation amount within the range of the data amount; and a mobile communication device using the normal communication device and the mobile communication device. The electronic data set by the setting means is sent to an electronic store or the like which conducts a business transaction by transferring the electronic data.
An electronic bank having a device provided with a transmission means for sending data. 35. The electronic data according to claim 34, which includes Japanese yen, US dollar, Canadian dollar, Australian dollar, New Zealand dollar, Hong Kong dollar, Euro, German mark, British pound, French franc, Swiss franc. An electronic bank comprising a device that enables use of at least one of Spain, Peseta, Italian lira, Thai baht, and other foreign currencies. 36. An apparatus according to claim 35, further comprising: adding means for adding received electronic data to stored electronic data already stored and stored; and setting electronic data from stored electronic data already stored and stored. An electronic bank, comprising: a device having subtraction means for reducing. 37. The method according to claim 36, wherein the holder who has obtained the electronic data operates the electronic data to provide a receiver for receiving the electronic data. Means for exchanging an amount desired by the user for cash or another financial product. 38. An electronic bank, wherein the electronic data is mainly exchanged for cash with respect to the receiver according to claim 36. 39. The electronic bank according to claim 36, wherein the electronic data is exchanged between the currencies of each country for the received recipient. 40. An electronic bank, wherein operation of the received electronic data is mainly entrusted to the receiver according to claim 36. 41. An electronic bank, comprising an apparatus for handling digits after the decimal point as the number of digits of electronic data according to claim 36.