JP2002109427A - Cellular phone, settlement system by means of cellular phone and settlement method by means of cellular phone - Google Patents

Abstract

PROBLEM TO BE SOLVED: To promote the spread of a settlement of electronic money and so forth without an increase of cost. SOLUTION: A cellular phone 1 is equipped with a cellular phone system communication process section 11 that performs communication with a base station 7 of cellular phone system, an IC card process unit 30 of a non-contact type IC card system, an IC card communication process section 12 that performs communication with a terminal 31, a settlement means selection section 13 that performs the settlement through exchange of settlement data using above communication process section 12, an electronic money process section 14 and so forth.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable telephone having a settlement function, a settlement system using the portable telephone, and a settlement method using the portable telephone.

[0002]

2. Description of the Related Art With the recent development of communication information technology, in addition to the conventional payment method, payment by electronic money or the like using an IC card, or cash installation by installing an ATM terminal such as a so-called convenience store. Settlement by enabling in / out and transfer of funds, and settlement by enabling a bank transaction by opening a store only on the Internet have come into practical use.

Here, electronic money is realized by installing a function called an electronic wallet on a user's personal computer (PC), a mobile phone having an Internet connection function, or the like, and storing electronic money data therein. are doing. The settlement of electronic money is to complete the settlement by issuing electronic data based on the advance payment and passing the electronic data to the seller of the product or service at the time of purchase. Conversation with the host at the time of payment,
That is, the cost per transaction is low because online processing is not required, but it is used in low-value transactions because it is inferior to credit card or debit card settlement in terms of security.

[0004]

The settlement means using electronic money or the like has a lower cost per transaction as compared with other means as described above, but individually issues an IC card to execute the settlement. Considering that it is necessary to install an IC card reader / writer in a store, it is necessary to further reduce the cost in order to achieve widespread use. In addition, a technology has been proposed in which a mobile phone is provided with a payment function and payment is made using a communication technology called Bluetooth. However, it is necessary to provide a Bluetooth-compatible communication facility on the billing side, thereby suppressing cost increases. I can't.

Accordingly, an object of the present invention is to provide a means capable of disseminating settlement of electronic money and the like.

[0006]

The portable telephone according to the first invention (for example, the portable telephone 1 in the present embodiment)
Are communication processing means for the mobile phone system (for example, the communication processing unit 11 for the mobile phone system in the present embodiment) for executing communication with the base station of the mobile phone system (for example, the base station 7 in the present embodiment); , IC card processing device of non-contact type IC card system (for example, IC card reader / writer 30 and terminal 31 in the present embodiment)
Communication processing means for a non-contact type IC card system (for example, the IC card communication processing unit 12 in the present embodiment) for executing communication with the IC card processing using the non-contact type IC card system communication processing means Payment means for executing payment by exchanging payment data with the device (for example, the payment means selecting unit 13, electronic money processing unit 14, credit processing unit 15, debit processing unit 16, offline debit processing unit 17 in the present embodiment) Etc.). With this configuration, it is possible to execute settlement using a mobile phone with an IC card processing device of a normal contactless IC card system, so that settlement of electronic money or the like can be performed without increasing costs. Can be spread.

According to a second aspect of the present invention, there is provided a mobile phone according to the first aspect, wherein the settlement means is provided with a storage means for storing electronic money data, and when the settlement is executed, the storage means (for example, the present embodiment) Memory 103, 111 in
The electronic money data stored in 2) is transmitted by the communication processing means for the contactless IC card system. With such a configuration, it is possible to perform payment by electronic money using a mobile phone.

A portable telephone according to a third invention is the portable telephone according to the second invention, wherein the communication processing means for the portable telephone system has a function of receiving electronic money data and storing it in the storage means. As a result, for example, the electronic money data transmitted from the electronic money issuer can be obtained and used immediately, resulting in extremely easy-to-use settlement for the user.

A mobile phone according to a fourth aspect of the present invention is the mobile phone according to the first aspect, wherein a plurality of types of payment means (for example, the electronic money processing unit 14 and the credit processing unit 15 in the present embodiment) are provided and selected as the payment means. It is possible to execute predetermined settlement means. With such a configuration, various settlement methods such as electronic money and credit can be executed by the mobile phone.

A portable telephone according to a fifth aspect of the present invention comprises:
In the second, third or fourth invention, an IC having a communication processing means for a non-contact type IC card system and a settlement means.
It is provided with a chip (for example, the non-contact type IC card processing unit 111 in the present embodiment). With such a configuration, an IC used for a normal non-contact type IC card
Chips can be used, and manufacturing costs can be reduced.

A portable telephone according to a sixth aspect of the present invention comprises:
In the second, third, or fourth invention, a controller (for example, a diagram according to the present embodiment, which controls components for a mobile phone system and controls components for a contactless IC card system). 5 controller 101). As a result, the size of the device can be reduced, and power can be saved.

A portable telephone according to a seventh aspect of the present invention comprises:
In the second, third, fourth, or sixth invention, the storage means for the mobile phone system and the storage means for the contactless IC card system are shared (for example, FIG. 5 in the present embodiment). Memory 103). As a result, the overall memory capacity can be reduced.

According to an eighth aspect of the present invention, a mobile phone comprises:
In the second, third, fourth, sixth or seventh invention, the antenna used in the communication processing means for the mobile phone system is shared with the antenna used in the communication processing means for the non-contact type IC card system ( For example, the antenna 106 shown in FIGS. This makes it possible to reduce the size of the device,
The communication ability with the non-contact type IC card processing means can be improved.

According to a ninth aspect of the present invention, a portable telephone comprises:
In the second, third, fourth, fifth, sixth, seventh or eighth invention, a lock means for stopping the function of the settlement means in response to a user input is provided. This allows
It is possible to prevent charging that the user does not want to be executed.

A settlement system according to a tenth aspect of the present invention includes an electronic money issuer (for example, the electronic money issuer 6 in the present embodiment) and a portable telephone capable of communicating with the electronic money issuer via a communication network. A settlement system comprising: an electronic money issuance requesting unit that transmits an electronic money issuance request to the electronic money issuer via the communication network in response to an instruction from a user. The electronic money issuer has electronic money issuing means for transmitting electronic money data to the mobile phone in response to the electronic money issuance request, and the mobile phone further includes an electronic money data transmitted from the electronic money issuer. Is received and stored in the storage means. As a result, for example, the electronic money data transmitted from the electronic money issuer can be obtained and used immediately, resulting in extremely easy-to-use settlement for the user.

A settlement system according to an eleventh aspect of the present invention includes a portable telephone used in a portable telephone system and a non-contact type I.
A settlement system comprising an IC card processing device used in a C card system, wherein the mobile phone performs communication with a mobile phone system communication processing unit that performs communication with a base station of the mobile phone system, and performs communication with the IC card processing device. Communication processing means for the non-contact type IC card system to be executed, and settlement means for executing settlement by exchanging settlement data with the IC card processing device using the communication processing means for the non-contact type IC card system; The IC card processing device
It is provided with communication processing means for executing communication with the communication processing means for the non-contact type IC card system. With this configuration, it is possible to execute settlement using a mobile phone with an IC card processing device of a normal contactless IC card system, so that settlement of electronic money or the like can be performed without increasing costs. Can be spread.

A settlement method according to a twelfth invention is a settlement method for performing settlement using a portable telephone, wherein a request for issuing electronic money is transmitted from the portable telephone to an electronic money issuer in accordance with a user's instruction. Transmitting electronic money data from the electronic money issuer to the mobile phone in response to the electronic money issuance request; and
Receiving the electronic money data transmitted from the electronic money issuer, storing the electronic money data received by the mobile phone in the storage means, and performing settlement using the electronic money data stored in the storage means And steps. As a result, for example, the electronic money data transmitted from the electronic money issuer can be obtained and used immediately, resulting in extremely easy-to-use settlement for the user.

A settlement method according to a thirteenth invention is a settlement method executed using a portable telephone of a portable telephone system and an IC card processing device of a non-contact type IC card system. , Transmitting payment data to the IC card processing device, receiving payment data in the IC card processing device, and performing a payment process based on the payment data received in the IC card processing device. With this configuration, it is possible to execute settlement using a mobile phone with an IC card processing device of a normal contactless IC card system, so that settlement of electronic money or the like can be performed without increasing costs. Can be spread.

[0019]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 of the Invention FIG. 1 is a diagram for explaining a settlement system according to the present invention.
In FIG. 1, the settlement system includes a user 2 holding a mobile phone 1, a member store 3, a user's bank 4, a member bank's bank 5, and an electronic money issuer 6. The member store 3, the banks 4.5, and the electronic money issuer 6 include a server or a computer having a communication function. In the following description, the member store 3, the banks 4.5, and the electronic money issuer 6 It may mean a server, a computer, or the like provided for each.

As will be described in detail later, the mobile phone 1 is a mobile phone having a specific function for this payment system.
As long as it has portability and has a communication function with a public line, it may have another function. The specific functions include, for example, a function of communicating with a non-contact type IC card reader and an Internet connection function for downloading electronic money.

The user 2 is a holder of the mobile phone 1 and purchases goods or services at a member store and makes a payment using the payment system according to the present invention.
The member store 3 includes at least an IC card reader / writer and a terminal used in a payment system using a contactless IC card. The terminal is connected to the IC card reader / writer, acquires the electronic money data read from the contactless card by the IC card reader / writer, and instructs the affiliated store's transaction bank 5 to receive the electronic money data in accordance with the instruction of the affiliated store 3. It has a function of transmitting an electronic money sales request according to data.

The user's bank 4 executes the intermediary for the electronic money issuer 6, and performs the payment processing for the electronic money issuer 6 and the acquisition processing of the electronic money data when the electronic money is purchased. Merchant bank 5
Has a function of performing a payment process on the account of the member store 3 in response to an electronic money sales request from. The electronic money issuer 6 is an entity that issues electronic money and accepts advance payment.

A processing flow in the settlement system shown in FIG. 1 will be described. A case will be described as an example where a user purchases electronic money equivalent to 10,000 yen and purchases a product of 10,000 yen using the electronic money. User 2 is the user's bank 4
Request issuance of electronic money. The user 2 obtains electronic money (step S102) from the bank 4 of the user in exchange for withdrawal from cash or a deposit account of 10,000 yen (step S101). This electronic money is obtained from the electronic money issuer 6 in exchange for payment of the price corresponding to the electronic money from the user's bank 4 to the electronic money issuer 6 (step S103) (step S104).

Here, the acquisition of electronic money in step S102 will be specifically described. This electronic money is obtained using the Internet connection function of the mobile phone 1. First, the user 2 accesses a predetermined WEB page of a server such as the user bank 4 or the electronic money issuer 6 using the Internet connection function of the mobile phone 1.
On this WEB page, the user 2 instructs to download electronic money data from this WEB server. The WEB server transmits the electronic money data to the mobile phone 1 of the user 2 according to the instruction from the user 2. The mobile phone 1 receives the data of the electronic money, and the acquisition of the electronic money is completed. The acquired electronic money data is stored in a predetermined area of the memory of the mobile phone 1.

The user 2 goes to the member store 3 and purchases a product using electronic money. That is, 10,000 yen is paid by electronic money (step S105), and the merchandise is acquired from the member store 3 (step S106). At this time, payment of 10,000 yen by electronic money is executed by the mobile phone 1.

This point will be specifically described. As described above, the mobile phone 1 stores electronic money data in a predetermined area of the memory. When the mobile phone 1 is held over an IC card reader / writer provided in the member store 3,
A request for data relating to electronic money of 10,000 yen is transmitted from the C card reader / writer to the mobile phone 1. The mobile phone 1 transmits the data relating to the electronic money of 10,000 yen to the IC card reader / writer. At the same time, the electronic money data is deleted from a predetermined memory of the mobile phone 1. In this way, the data relating to the electronic money moves to the IC card reader / writer of the member store. At the member store 3, the electronic money data input to the IC card reader / writer is tabulated at the terminal and uploaded to the server of the bank 5 of the member store (step S107).
This action corresponds to a request for sales of electronic money. The server of the member bank's bank 5 further transmits this electronic money data to the electronic money issuer 6 (step S1).
08).

The electronic money issuer 6 receives the electronic money data and pays the transaction bank 5 of the member store an amount corresponding to the amount of the electronic money (step S10).
9). The payment method can be executed by various means such as direct debit and direct debit.

The transaction bank 5 of the member store pays the member store 3 an amount obtained by subtracting a predetermined fee from the amount corresponding to the amount of electronic money (step S110). The payment is made, for example, by transferring the money to the account of the member store 3.

Next, using the block diagram of FIG. 2 showing a part of the settlement system according to the present invention, the portable telephone 1 of the user 2, the IC card reader / writer 30 of the member store 3, and the terminal 3
1 will be described.

The mobile phone 1 includes a mobile phone system communication processing unit 11, an IC card system communication processing unit 12, a settlement means selection unit 13, an electronic money processing unit 14, a credit processing unit 15, a debit processing unit 16, an offline debit. The processing unit 17 is provided.

The communication processing unit 11 for the mobile phone system comprises:
This is a communication processing unit provided in a normal mobile phone, and has a function of exchanging information via the base station 7 in the mobile phone system. Here, the mobile phone system includes various communication systems such as a TDMA system and a CDMA system, and also includes a PHS system. The communication processing unit 12 for an IC card system is a normal non-contact type
A communication processing unit provided in the C card, and has a function of communicating with an IC card reader / writer that exchanges information with a normal non-contact type IC card. Payment means selection unit 13
Selects whether to execute the settlement by electronic money, credit, debit, or offline debit. This selection may be performed by the user 2 pressing a button on the mobile phone 1, or the payment may be automatically selected according to the amount to be settled. The electronic money processing unit 14 has a function of executing processing related to electronic money, and is basically the same as that incorporated in a normal electronic money IC card. Credit processing unit 15
Has a function of executing a process related to credit, and has a configuration such that basically the same process as a normal credit card is executed. The debit processing unit 16 has a function of executing processing related to debit, and has a configuration such that basically the same processing as a normal cash card is executed. The offline debit processing unit 17 has a function of executing an offline debit process, and has a configuration in which basically the same process as that of a normal offline debit card is executed. Here, the offline debit is a payment having a mechanism similar to electronic money, but is different from electronic money in that it is generally linked to a bank account.

The IC card reader / writer 30 has at least a communication processing unit 301 for an IC card system. The IC card system communication processing unit 301 has a function of intervening communication between a normal non-contact type IC card and the terminal 31. The mobile phone 1 according to the present invention comprises:
I with a communication function equivalent to a normal non-contact IC card
Since the C card communication processing unit 12 is provided, the IC
Communication can be performed with the communication processing unit 301 for the card system. The IC card system communication processing unit 301 of the IC card reader / writer 30 exchanges information with the interface processing unit 311 of the terminal 31. The terminal 31 includes a settlement unit selection unit 312, an electronic money processing unit 313, a credit processing unit 314, a debit processing unit 315, and an offline debit processing unit 316, in addition to the interface processing unit 311.

The settlement means selection unit 312 includes an electronic money processing unit 313, a credit processing unit 314, a debit processing unit 315, and an offline debit unit according to the settlement method input at the terminal 31 or the settlement method selected by the mobile phone 1. It has a function of selecting which of the processing units 316 to process. The electronic money processing unit 313 has a function of executing processing related to electronic money. The credit processing unit 314 has a function of executing a process related to credit. The debit processing unit 315 has a function of executing processing related to debit. Offline debit processing section 316 has a function of executing offline debit processing. These processing units 313, 314, 315, 3
Reference numeral 16 is the same as the processing means used in the conventional non-contact type IC card system.

Here, an example of a processing flow in the case of purchasing a product by using the electronic money by the mobile phone 1 will be described with reference to FIGS. 2 and 3. First, the user 2 is a member store 3
When purchasing a desired product, the user first selects a settlement method, and verbally notifies the clerk of the member store 3 of the settlement method. In this example, it is assumed that the payment method is electronic money. The clerk of the member store 3 transmits the notified settlement method to the terminal 31.
Is input using input means such as a keyboard and a barcode reader (step S301). The price of the product is also input to the terminal 31 using input means such as a keyboard and a barcode reader (step S302).
The terminal 31 transmits payment data including payment method selection information and product price information to the IC card reader / writer 30 through the interface unit 311 (step S303). The IC card system communication processing unit 301 of the IC card reader / writer 30 transmits the payment data received from the terminal 30 to the mobile phone 1 by magnetic coupling or wirelessly (step S304).

The mobile phone 1 receives the payment data via the IC card system communication processing unit 12. And
The information about the payment method is extracted from the received payment data. In this example, since the settlement method is electronic money, the electronic money processing unit 14 is activated. Electronic money processing unit 1
4 sends electronic money data corresponding to the price of the product to the IC card reader / writer 30 based on the price information of the product included in the payment data among the electronic money data obtained by downloading from the electronic money issuer 6. (Step S305). In the IC card reader / writer 30, the IC card system communication processing unit 301 receives the electronic money data (step S3).
06), and transmit it to terminal 31. In the mobile phone 1,
The electronic money data corresponding to the price of the product is deleted (step S307).

The terminal 31 is an IC card reader / writer 30
The electronic money data received via the electronic money processing unit 313 is stored in a predetermined memory area (step S308). Then, based on the instruction of the operator of the terminal 31, for example, the clerk of the member store, the electronic money data stored in the predetermined memory area is transmitted to the bank 5 of the member store via a dedicated line or the like (step S309). ).

In addition, when the settlement method is credit, the mobile phone 1 functions as a non-contact type IC card credit card, and the process is executed. Similarly, when the settlement method is debit or offline debit, the mobile phone 1 functions as a cash card for a non-contact type IC card, and the process is executed. On the other hand, IC
The card reader / writer 30 and the terminal 31 execute the same processing as that for a normal non-contact type IC card.
Therefore, even if the payment is made using the mobile phone 1, a new processing means for the mobile phone is added to the IC card reader / writer 30.
Also, it is not necessary to provide the terminal 31 and the cost does not increase. For example, it is conceivable to use communication means called Bluetooth, but it is necessary to provide a circuit and an element for this communication means in the IC card reader / writer 30 and the terminal 31, which increases the cost. According to the present invention, since a function similar to that of a non-contact type IC card is provided in a mobile phone having an extremely high holding ratio, it is expected that the number of users using this settlement system will increase dramatically, and cost reduction will be achieved. Can be planned.

The mobile phone 1 has the same function as a non-contact type IC card, but also has a function as a normal mobile phone, so that the mobile phone 1 also executes a settlement using a normal mobile phone. be able to. For example, an account transfer can be executed by a mobile phone, or an account transfer can be executed. It is also possible to display the balance of a savings account on the screen of a mobile phone, so that it is possible to immediately know the amount that can be settled by card without borrowing.
Improve convenience when used as a card. In addition, the electronic wallet can be installed in the mobile phone, and the server wallet provided in the server can be used by the mobile phone. On this occasion,
For example, SET (registered trademark: Secure Electronic Transa)
ction) can be used.

Next, the configuration of the mobile phone according to the first embodiment of the present invention will be described with reference to FIG.

The portable telephone according to the present invention has a transmitting / receiving circuit 1
02. The mobile phone has an outer casing (not shown), and a transmitting / receiving circuit 1 is provided in the outer casing.
02 and circuits and devices described later.

The transmission / reception circuit 102 is a circuit for transmitting / receiving information signals by radio waves to / from the base station 7 via the antenna 106. The antenna 106 is provided so as to protrude upward from the upper surface of the outer housing. An audio speaker 105 and a microphone 104 are connected to the transmission / reception circuit 1. The audio speaker 105 has a function of converting audio information into sound. Further, the microphone 104 has a function of converting a sound such as a user's voice into voice information. That is, when the transmission / reception circuit 102 receives the radio wave transmitted from the base station 7, the radio wave is demodulated into an audio signal and reproduced via the audio speaker 105. Further, when audio is input to the microphone 104, the transmission / reception circuit 102 modulates an audio signal output from the microphone 104 and transmits the modulated signal to the base station 7.

The controller 101 serving as control means is connected to the transmission / reception circuit 102. The transmission / reception circuit 102 operates under the control of the controller 101. The controller 101 includes a CPU (central processing circuit), and operates according to a program stored in advance and an operation signal input from the outside to operate the transmission / reception circuit 102 and other circuit units described later. Control. The controller 101 is connected to a key input unit 107 serving as key input means. The key input unit 107 includes ten keys and other input keys, and is arranged with each input key positioned on the front surface of the outer housing. This key input unit 107
Generates an operation signal corresponding to the input key pressed and sends it to the controller 101.

A display unit 108 is connected to the controller 101. This display unit 108
Is configured to include a display device such as a liquid crystal display panel, and displays predetermined character information, symbols, and the like based on a display signal sent from the controller 101 under the control of the controller 101. This display unit 108
Are disposed with the display portion positioned at the front of the outer housing. Further, a vibration unit 109 and a bell speaker 110 are connected to the transmission / reception circuit 102. Both the vibration unit 109 and the bell speaker 110 are devices for notifying the user of the mobile phone that there is an incoming call from the telephone office. The vibration unit 109 includes a small motor and a weight eccentrically attached to a rotation shaft of the motor, and notifies the incoming call by generating vibration by rotation of the motor. Bell speaker 110
Is attached to the side surface of the outer housing, and notifies the incoming call by emitting a so-called electronic sound.
Note that this bell speaker 110 is an audio speaker 105
And may also be used.

The controller 103 is connected to a memory 103 serving as storage means. This memory 1
03 stores various data and programs. This memory 103 is controlled by the controller 101 via a memory controller (not shown).

The mobile phone according to the present invention further has a non-contact type IC card processing unit 111. This non-contact type I
The C card processing unit 111 may be formed as an IC chip. Thereby, an IC used in a normal non-contact type IC card can be used, and the manufacturing cost can be reduced.
The non-contact type IC card processing unit 111 includes a controller 1111, a memory 1112, a transmission / reception circuit 1113, and a transmission / reception coil 1114. Controller 111
1 includes a CPU (Central Processing Circuit), and operates in accordance with a program stored in advance and an operation signal input from the outside, via a transmission / reception circuit 1113 or a controller 101 to control other circuit units. Control behavior. The memory 1112 stores various data and programs. This program includes a program for configuring the means 14, 15, 16, 17 such as the settlement means selecting unit 13 described with reference to FIG. This memory 1112
Are controlled by the controller 1111 via a memory controller (not shown).

The transmission / reception circuit 1113 includes the controller 11
11 via the transmission / reception coil 1114 in accordance with the instruction of 11
Sends and receives information to and from the card reader / writer. Here, the example of the transmitting and receiving coil 1114 is shown, but an antenna may be used. This non-contact type IC card processing unit 111
Has basically the same function as a normal non-contact type IC card. The non-contact type IC card processing unit 111 is supplied with power from the same power supply as the controller 101 and the like.

Embodiment 2 of the Invention A configuration example of a mobile phone according to the second embodiment will be described with reference to FIG. In the mobile phone according to the first embodiment of the present invention, the controller 10
1 and a controller 1111 that mainly executes processing for a non-contact type IC card system.
In the mobile phone 1 according to the second embodiment, the controller 1
The controller 101 executes the function without providing the function 111. That is, the controller 101 controls all circuits such as the transmission / reception circuit 102 and the transmission / reception circuit 1113 in the mobile phone 1. In FIG. 5,
4 indicate the same or corresponding parts as those described in FIG.

In the mobile phone according to the second embodiment, in particular, the controller for the mobile phone system and the controller for the non-contact IC card system are shared, so that the size of the mobile phone itself can be reduced and power saving can be realized. it can.

In the mobile phone according to the second embodiment, not only the controller but also the memory is shared. As a result, the overall memory capacity can be reduced.

Embodiment 3 of the Invention A configuration example of the mobile phone according to the third embodiment will be described with reference to FIGS.
In the mobile phone according to the second embodiment of the present invention, the controller for the mobile phone system and the controller for the non-contact IC card system are shared, but in the third embodiment,
Further, the transmission / reception circuit and the antenna are shared. FIG.
In the configuration example shown in (1), the controller 101 has a function equivalent to that of the controller 101 according to the second embodiment of the present invention, and also controls a circuit and the like for a non-contact IC card system.

FIG. 7 shows the configuration of the transmission / reception circuit 102. As shown in the figure, the transmitting / receiving circuit 102 includes a transmitting / receiving circuit 1021 for a mobile phone and a transmitting / receiving circuit 102 for a card system.
2 so that these circuits can be selectively switched by switches 1023 and 1024. This switching is performed based on a control signal from the controller 101. The antenna 106 communicates with the base station 7 in the cellular phone system when the cellular phone transmitting / receiving circuit 1021 is selected, and when the card system transmitting / receiving circuit 1022 is selected.
IC card reader / writer 30 in C card system
Communicate with

In the portable telephone according to the third embodiment, not only the controller but also the antenna is shared, so that the portable telephone itself can be downsized. In particular, since an antenna with higher precision than an antenna provided in a conventional IC card can be used, communication with an IC card reader / writer can be executed more reliably.

Embodiment 4 of the Invention The settlement system according to the fourth embodiment will be described with reference to FIGS. 8, 9, and 10. FIG. In the settlement system according to the first embodiment of the present invention, as shown in the flowchart of FIG. 3, the settlement method is input to the terminal 31 by the clerk of the member store 3 or the like. Is input to the mobile phone 1.

This will be described with reference to the flowchart of FIG.
The user 2 also determines a settlement method along with the decision to purchase a product or the like. Then, the determined settlement method is input to the mobile phone 1 (step S801). Specifically, the settlement method is selected as follows. When the settlement service is to be applied, an initial screen shown in FIG. 9 is first displayed on the screen of the mobile phone 1. On this initial screen, "1. Payment" is selected by operating a button or the like of the mobile phone 1. In response to this selection, a screen shown in FIG. 10 is displayed on the screen of the mobile phone 1. On this screen, selectable settlement methods are listed. For example, as shown in FIG. 10, "electronic money", "credit card", "debit card", and "offline debit card". From these, a desired settlement method is selected.

On the other hand, the clerk of the member store 3 inputs the price of the product to be purchased to the terminal 31 using a keyboard, a barcode reader, or the like (step S802). The mobile phone 1 is transmitted from the terminal 31 via the IC card reader / writer 30.
, Settlement data including the input amount information is transmitted (steps S803 and S804).

The mobile phone 1 receives the payment data through the IC card system communication processing unit 12. And
The information about the payment method is extracted from the received payment data. In this example, since the settlement method is electronic money, the electronic money processing unit 14 is activated. Electronic money processing unit 1
4, the electronic money data obtained by downloading from the electronic money issuer 6, based on the price information of the product included in the payment data, the electronic money data corresponding to the product price to the IC card reader / writer 30. (Step S805). In the IC card reader / writer 30, the electronic money data is received by the communication processing unit 301 for the IC card system (step S8).
06), and transmit it to terminal 31. In the mobile phone 1,
The electronic money data corresponding to the price of the product is deleted (step S807).

The terminal 31 is an IC card reader / writer 30
The electronic money processing unit 313 stores the electronic money data received via the electronic money data in a predetermined memory area (step S808). Then, based on the instruction of the operator of the terminal 31, for example, the clerk of the member store, the electronic money data stored in the predetermined memory area is transmitted to the bank 5 of the member store via a dedicated line or the like (step S809). ).

Other Embodiments In the above-described mobile phone, in order to execute a settlement function such as electronic money or a credit card, a predetermined password may have to be input to the mobile phone. It is desirable that the password is provided separately from the password input particularly for using the mobile phone for the ordinary telephone function. This is because the payment function is likely to cause a great deal of damage to the user if the payment function is performed by another person, so that it is necessary to further restrict unauthorized use by another person.

Further, when the settlement function is not executed in the portable telephone, the function may be locked. For example, when an input to lock the payment function is made by operating a button on the mobile phone, the payment function is stopped in the internal controller. By doing so, it is possible to prevent the user from performing charging that he does not want. For example, in a ticket gate at a station, it is possible to prevent the user from being automatically charged by the mobile phone even if he / she wants to pay other than the payment by the mobile phone.

Further, in the above-described example, as means of settlement,
Although electronic money, credit, debit, and off-line debit have been illustrated, the present invention is not limited thereto, and includes payments that can be realized by various IC cards.

[0061]

According to the present invention, it is possible to provide a means for disseminating settlement of electronic money and the like.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining a settlement system according to the present invention.

FIG. 2 is a block diagram showing a part of the settlement system according to the present invention.

FIG. 3 is a diagram showing a processing flow of the settlement system according to the first embodiment of the present invention;

FIG. 4 is a diagram illustrating a configuration of the mobile phone according to the first embodiment of the present invention;

FIG. 5 is a diagram illustrating a configuration of a mobile phone according to a second embodiment of the present invention;

FIG. 6 is a diagram illustrating a configuration of a mobile phone according to a third embodiment of the present invention;

FIG. 7 is a diagram illustrating a configuration of a transmitting and receiving circuit according to a third embodiment of the present invention;

FIG. 8 is a diagram showing a processing flow of a settlement system according to a fourth embodiment of the present invention;

FIG. 9 is a diagram showing a screen display example of the mobile phone according to the fourth embodiment of the present invention;

FIG. 10 is a diagram showing a screen display example of the mobile phone according to the fourth embodiment of the present invention;

[Explanation of symbols]

REFERENCE SIGNS LIST 1 mobile phone 11 communication processing unit for mobile phone system 12 communication processing unit for IC card system 13 payment means selection unit 14 electronic money processing unit 15 credit processing unit 1
6 Debit processing unit 17 Offline debit processing unit 101 Controller 102 Transmission / reception circuit 103 Memory 106 Antenna 111 Non-contact type IC card processing unit 1111 Controller 1112 Memory 1113 Transmission / reception circuit 1114
Transmission coil

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 2C005 MA33 MB05 MB08 NA06 SA05 SA06 SA07 5B055 BB12 EE02 KK05 5B058 CA15 KA02 KA04 KA11 YA02 5K101 LL12 NN03 NN18 NN25 NN34 SS07 UU16

Claims (13)

[Claims] 1. A communication processing means for a mobile phone system for performing communication with a base station of a mobile phone system, and a communication processing for a non-contact type IC card system for performing communication with an IC card processing device of a non-contact type IC card system. And a settlement means for executing settlement by exchanging settlement data with the IC card processing device using the communication processing means for the non-contact type IC card system. 2. The payment means has a storage means for storing electronic money data. When a payment is executed, the electronic money data stored in the storage means is stored in the non-contact IC.
2. The mobile phone according to claim 1, wherein the data is transmitted by communication processing means for a card system. 3. The communication processing means for a mobile phone system,
3. The mobile phone according to claim 2, wherein the mobile phone receives electronic money data and stores the data in the storage unit. 4. The portable telephone according to claim 1, wherein said payment means has a plurality of types of payment means, and can selectively execute predetermined payment means. 5. The mobile phone according to claim 1, further comprising an IC chip having a built-in communication processing means for said non-contact type IC card system and said settlement means. 6. A controller according to claim 1, further comprising: a controller for controlling components of said portable telephone system and controlling components of said contactless IC card system. Mobile phone. 7. A communication system according to claim 1, wherein storage means for said portable telephone system and storage means for said contactless IC card system are shared. Mobile phone. 8. An antenna used in the communication processing means for the portable telephone system and the antenna used in the communication processing means for the non-contact type IC card system. The mobile phone according to claim 4, 6, or 7. 9. A portable device according to claim 1, further comprising a lock means for stopping a function of said settlement means in response to a user's input. Phone. 10. A settlement system comprising an electronic money issuer and a mobile phone capable of communicating with the electronic money issuer via a communication network, wherein the mobile phone responds to an instruction from a user. Electronic money issue request means for transmitting an electronic money issue request to the electronic money issuer via the communication network, wherein the electronic money issuer converts the electronic money data in response to the electronic money issue request. A settlement system having electronic money issuing means for transmitting to a mobile phone, and wherein the mobile phone receives the electronic money data transmitted from the electronic money issuer and stores the data in a storage means. 11. A settlement system including a mobile phone used in a mobile phone system and an IC card processing device used in a non-contact type IC card system, wherein the mobile phone is connected to a base station of the mobile phone system. Communication processing means for a mobile phone system for performing communication, communication processing means for a non-contact type IC card system for performing communication with the IC card processing device, and communication processing means for the non-contact type IC card system; A settlement unit for executing settlement by exchanging settlement data with the IC card processing unit, wherein the IC card processing unit performs communication processing with the non-contact type IC card system communication processing unit Payment system with means. 12. A settlement method for performing settlement using a mobile phone, comprising: transmitting an electronic money issue request from the mobile phone to an electronic money issuer in response to a user's instruction; Transmitting electronic money data from the electronic money issuer to the mobile phone in response to the request; receiving electronic money data transmitted from the electronic money issuer in the mobile phone; and receiving the electronic money data in the mobile phone. A settlement method, comprising: storing electronic money data in a storage means; and performing settlement using the electronic money data stored in the storage means. 13. A settlement method executed by using a portable telephone of a portable telephone system and an IC card processing device of a non-contact type IC card system, wherein the settlement data is transmitted from the portable telephone to the IC card processing device. A payment method, comprising: transmitting; receiving the payment data in the IC card processing device; and performing a payment process based on the payment data received in the IC card processing device.