JP2005018270A - Portable terminal and ic card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a portable terminal which copies information about one or more card functions included in an IC card, and operates as a copied IC card. <P>SOLUTION: A cellular phone 102 is connected to an IC card 100 to be a target of copy, receives various data necessary to realize the IC card, and stores them in an EEPROM or the like. The cellular phone 102 is provided with a card interface which connects to an IC card reader/writer device 110 and transmits/receives the card data, and operates as if the cellular phone 102 itself were the IC card 100 via the card interface even after disconnection from the IC card 100. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an IC card in which a plurality of card functions are integrated, and more particularly to a technique for using a mobile terminal as an IC card.
[0002]
[Prior art]
In conventional credit cards, the card number is displayed on the front side of the card by embossing, and magnetic tape is provided on the back side of the card, but it is not robust in terms of security, and problems such as card counterfeiting have been pointed out. It was.
[0003]
Therefore, in recent years, in order to strengthen security, it is expected that credit cards, cash cards, etc. will be converted into IC cards.
[0004]
When using such an IC card, it is necessary to install an IC card reader / writer device in each store, but it is disadvantageous in terms of cost to spread the IC card reader / writer device in each store.
[0005]
By the way, the popularization of mobile phones has been remarkable, and most people have possessed mobile phones. A mobile phone is characterized in that it can perform wireless communication from various places and is always carried by a user.
[0006]
A technology is known in which the function of an IC card reader / writer device is mounted on a mobile phone by taking advantage of such characteristics of the mobile phone, and the IC card is attached to the IC card reader / writer device to execute card payment ( Patent Document 1). According to this prior art, if the IC card reader / writer device is mounted on a mobile phone, the cost for installing the IC card reader / writer device for each store can be reduced.
[0007]
On the other hand, there is another prior art in which the card itself is abolished and a mobile phone is used instead (Patent Document 2). That is, in this prior art, a credit card number is stored in an IC memory of a mobile phone, and credit payment is executed by communicating the electronic payment communication terminal connected to the cash register of the store with the mobile phone. ing. The electronic payment communication terminal is used as a substitute for a magnetic card reader.
[0008]
[Patent Document 1]
Japanese Patent Application Laid-Open No. 2002-163584
[Patent Document 2]
JP 2002-269485A.
[0009]
[Problems to be solved by the invention]
According to the technique described in Patent Document 1 described above, the mobile phone only functions as an IC card reader / writer device, and payment cannot be executed only by the mobile phone. This forces the user to always carry the IC card itself, and some users may find it inconvenient.
[0010]
On the other hand, according to the technique described in Patent Document 2, a mobile phone can be used in place of a credit card, but there is a drawback in that the card itself is abolished. For example, a bank cash card can be inserted into an ATM terminal to enjoy various bank services, but this prevents the insertion of cards other than the prescribed card shape. The aim is to prevent card counterfeiting. Further, if the magnetic card reader is exposed to the outside, an electromagnetic attack may be applied to the reader.
[0011]
From such a background, it is not preferable to abolish the card itself for a bank cash card that can execute a large amount of transactions.
[0012]
Therefore, an object of the present invention is to solve such a problem.
[0013]
[Means for Solving the Problems]
According to the present invention, a portable terminal that functions as a copy IC card by copying information on one or more card functions included in an IC card, and that is connected to the IC card and transmits / receives card data. A card interface, a storage unit for storing various data necessary for realizing the IC card received from the IC card to be copied via the first IC card interface, and an external IC card reader A second IC card interface that transmits / receives card data by connecting to a writer device, and after the connection with the IC card is disconnected, from the external IC card reader / writer device via the second card interface When the card data transmission request is received, the card data subject to the transmission request is stored in the memory Is read out from a portable terminal including a card function control unit to be transmitted through the second card interface is provided.
[0014]
By configuring the mobile terminal in this way, not only can the IC card be used at an ATM terminal as usual, but also when the IC card is not at hand, such as when the IC card is left at home, Therefore, the convenience of the IC card user can be further enhanced while satisfying the specific requirements of banks and the like.
[0015]
DETAILED DESCRIPTION OF THE INVENTION
An embodiment of the present invention is shown below. Of course, the following embodiments are merely subordinate concepts of the present invention disclosed as a superordinate concept. That is, the following embodiments are only a part of the embodiments included in the technical scope of the present invention defined by the claims. Therefore, if the invention is a superordinate concept disclosed in the specification or drawings of the present application and has the same technical idea as the invention described in the claims, it is directly described in the present specification or drawings. Even embodiments that are not included are included in the technical scope of the present invention.
[0016]
In addition, about the invention of the low-order concept described in the following embodiment, all are not necessarily described in the claim. However, it should be understood that this is not intentionally excluded from the technical scope of the patented invention, but is not described in the scope of claims because it is equivalent to the patented invention.
[0017]
FIG. 1 is a diagram showing an example of an IC card system using a mobile phone according to the present embodiment. In this example, a mobile phone is used as the second IC card. However, a mobile phone that can be carried by a user is not necessarily a mobile phone.
[0018]
IC card 100 is an original IC card, cash card function, electronic money function, credit card function, debit card function, airline mileage card function, train / bus company commuter pass function, ETC card function, point At least one of a card function and an identification card function is provided. Note that data and application programs for realizing each function are stored in a nonvolatile storage device such as an EEPROM.
[0019]
The mobile phone 102 with the IC card reader / writer function reads the card data for realizing the card function of the original (first) IC card 100, and copies the read card data to the built-in memory. It is a portable terminal that functions as an IC card.
[0020]
The IC card reader / writer device 110 is an IC card terminal that communicates with the IC card 100 and the mobile phone 102 to write and read data. The IC card reader / writer 110 may be disposed in each store as a single device, or may be incorporated in a store cash register, a ticket gate device, or the like.
[0021]
The ATM terminal 112 is an IC card terminal having an IC card reader / writer function. In the ATM terminal 112 of this embodiment, only the original IC card 100 can be used, and the mobile phone 102 which is the second IC card is restricted so that it cannot be used. Of course, if the financial institution does not refuse the use of the mobile phone 102 as the second IC card, the ATM terminal 112 may be set so that the mobile phone 102 can be used.
[0022]
The debit card payment server 120 stores information related to the David payment account for each card user, and reduces the balance of the corresponding payment account in response to a payment request transmitted from the IC card terminals 110 and 112. It is a computer.
[0023]
The credit card settlement server 122 stores information related to the credit settlement account for each card user, and adds the payment amount to the corresponding settlement account in response to the settlement request transmitted from the IC card terminals 110 and 112. Computer.
[0024]
The bank server 124 is a computer for managing transactions such as deposits / refunds and transfers of deposits transmitted from the ATM terminal 112.
[0025]
In this way, the various servers 120 to 124 function as a center side device of an organization that provides a card function.
[0026]
FIG. 2 is a block diagram of the IC card according to the present embodiment. The CPU 201 is a central processing unit that controls each unit in the IC card 100 according to a control program. For example, the control program includes a synchronization processing program according to a flowchart described later. The RAM 202 is a storage device that stores a work area and various data necessary when executing the control program. The mask ROM 203 is a storage device for storing a control program and various data. The EEPROM 204 is a rewritable storage device that stores card data 211 for realizing various card functions, card user image data 212, and the like. The EEPROM 204 may be replaced with a flash memory or the like. The communication interface 207 is a communication (card) interface for communicating with the IC card terminal 110 or the like. The communication IF 207 is equipped with at least one of a non-contact type interface and a contact type interface.
[0027]
FIG. 3 is a block diagram of an IC card reader / writer (IC card terminal) according to the present embodiment. The CPU 301 is a central processing unit that executes control based on a computer program stored in the ROM 303. For example, the control program includes a synchronization processing program according to a flowchart described later. The RAM 302 is a volatile storage device that stores data and the like. The ROM 303 is a storage device such as a non-rewritable mask ROM or a rewritable EEPROM. The display device 304 is a display that displays a result of communication with the IC card 100. The operation unit 305 is an input device such as a touch panel device or a numeric keypad. The communication interface 307 is a communication circuit for connecting to the servers 120 to 124 and the like. The card (communication) interface 308 reads data from a magnetic stripe mounted on the IC card 100, reads data from a magnetic card device for writing data to the magnetic stripe, a connection IC card connection terminal, At least one of a contact-type reader / writer device for writing and a non-contact-type reader / writer device for performing wireless communication with a non-contact type IC card to read and write data is mounted. The timer 311 is a timer circuit for measuring the current time.
[0028]
The IC card terminal 110 may be integrated with an accounting apparatus such as a POS (store point-of-sale information management) system. The IC card terminal 110 may be a local IC card system including a plurality of card reader / writer devices and a host device, for example. In this case, communication with various settlement servers will be executed via the host device.
[0029]
FIG. 4 is an exemplary block diagram of each server according to the present embodiment. The CPU 401 is a central processing unit that executes control based on a computer program stored in the ROM 403 or the hard disk drive 408. The RAM 402 is a volatile storage device that stores data and the like. The ROM 403 is a storage device such as a non-rewritable mask ROM or a rewritable EEPROM. The display device 404 is a display that displays various types of information. The operation unit 405 is an input device such as a keyboard or a pointing device. The communication interface 407 is a communication circuit for connecting to the IC card terminals 110 and 112 and the like. The hard disk drive 408 is a storage device that stores a computer program necessary for the settlement process, a database for managing data necessary for the settlement process, and the like. The timer 411 is a clock circuit for clocking the current time.
[0030]
FIG. 5 is an exemplary block diagram of the mobile terminal according to the present embodiment. The CPU 501 is a central processing unit that executes control based on a computer program stored in the ROM 503 or the EEPROM 509. The RAM 502 is a volatile storage device that stores data and the like. The ROM 503 is a non-rewritable mask ROM. The EEPROM 509 is a rewritable storage device. The display device 504 is a display that displays various types of information. The operation unit 505 is an input device such as a keyboard or a pointing device. The communication interface 507 is a communication circuit for connecting to a mobile phone network. The card interface 508 reads and writes data from a magnetic stripe mounted on the IC card 100, reads and writes data from a magnetic card device for writing data to the magnetic stripe, and a contact IC card connection terminal. And at least one of a non-contact type reader / writer device for performing wireless communication with a non-contact type IC card and reading and writing data. The card interface 508 is also a communication (card) interface for communicating with the IC card terminal 110 and the like, and is equipped with at least one of a non-contact type interface and a contact type interface. The image input unit 510 is a camera circuit including a lens, a CCD, and an image processing circuit. The timer 511 is a clock circuit for clocking the current time.
[0031]
FIG. 6 is an exemplary flowchart regarding copy processing and synchronization processing in the mobile terminal according to the present embodiment.
[0032]
In step S600, the CPU 501 of the mobile phone 102 controls the card interface 508 to detect an IC card that exists within a communicable range.
[0033]
In step S602, the CPU 501 determines whether the IC card 100 is detected based on the detection result. If the IC card 100 is detected, the process proceeds to step S604. If not detected, the process proceeds to step S616 to perform error processing. Examples of error processing include processing for displaying a message such as “Cannot detect IC card” or “Please set the IC card correctly again” on the display device 504.
[0034]
In step S604, the CPU 501 controls the card interface 508 to read the validity determination information of the card data 211 from the IC card 100 and check whether the read validity determination information represents a valid IC card. To do. The IC card 100 checks whether it is a valid mobile phone or an IC card terminal based on validity determination information (for example, password, encryption key, etc.) of the mobile phone transmitted from the mobile phone 102. The check result is transmitted to the mobile phone 102.
[0035]
In step S606, the CPU 501 determines whether both the validity check result of the IC card and the validity check result of the mobile phone received from the IC card indicate validity. If both are valid, the process proceeds to step S608. If any of them is not valid, the process proceeds to S616 and error processing is executed. As error processing, a message indicating the cause of the error (for example, “not a valid IC card” or “not a valid mobile phone”) is displayed on the display device 504.
[0036]
In step S <b> 608, the CPU 501 determines whether it is time to execute a copy process or a time to execute a synchronization process. For example, “1. Do you use a mobile phone as an IC card?
2. Do you want to synchronize the card data of the IC card in the mobile phone, the card data of the original IC card and the card data of the center side? "
If “1” is input from the operation unit 505, it is determined that the copy process has been selected. If “2” is input, it is determined that the synchronization process has been selected.
[0037]
If the mobile phone 102 is already functioning as the second IC card, the CPU 501 may determine whether the time data acquired from the timer 511 is at a predetermined synchronization timing. If the result of determination is copy processing, processing proceeds to step S610. In the case of synchronization processing, the process proceeds to step S614, and synchronization processing described later is executed.
[0038]
In step S <b> 610, the CPU 501 controls the card interface 508 and receives card data 211 from the IC card 100. Note that not only the card data but also an IC card program (card application for each card function) stored in the mask ROM 203 of the IC card may be received.
[0039]
In step S612, the CPU 501 stores the received card data 211 in the EEPROM 509. The IC card program (card application for each card function) is also stored in the EEPROM 509.
[0040]
By executing the copy process of the card data 211 as described above, the mobile phone 102 functions as a second IC card.
[0041]
For example, when the mobile phone 102 is set within the communicable range of the IC card terminal 110 and the operation unit 505 of the mobile phone 102 is operated to select the option “use the mobile phone as an IC card”, the EEPROM 509 The card application is activated and communicates with the IC card terminal 110 via the card interface 508. For example, when the CPU 501 receives a card data transmission request from the external IC card terminal 110, the CPU 501 reads out the card data subject to the transmission request from the EEPROM 509 and transmits it via the card interface 508.
[0042]
By operating in this way, the mobile phone 102 functions as if it were the original IC card 100. Further, when the mobile phone 102 is used as the second IC card, the first IC card is no longer necessary, and therefore it is not necessary to always carry the IC card. Even when the IC card 100 is forgotten at home, the IC card service can be used as long as the mobile phone 102 is present.
[0043]
FIG. 7 is an exemplary flowchart regarding card data synchronization processing according to the present embodiment. As described above, this synchronization processing can be started at either an explicit timing or an implicit timing.
[0044]
The synchronization process is necessary mainly for the following reason. In the present embodiment, both the original IC card 100 and the cellular phone 102 to which it is copied can be used individually as IC cards. For example, as a result of shopping using the IC card 100, point data is recorded in the EEPROM 204 of the IC card. At this point, since the point data is not reflected on the mobile phone 102, the card data on both sides do not match. Furthermore, if offline payment is executed between the IC card terminal 110 and the IC card 100 when the IC card terminal 110 and the various servers are offline, the data in the IC card 100 and the data on the server side are changed. It becomes inconsistent. It is the synchronization process that eliminates the mismatched state of these card data.
[0045]
In step S <b> 700, the CPU 501 of the mobile phone 102 controls the card interface 508 to receive card data to be synchronized from the IC card 100.
[0046]
In step S <b> 702, the CPU 501 reads card data stored in the EEPROM 509.
[0047]
In step S704, the CPU 501 compares the card data received from the IC card 100 with the card data stored in the EEPROM 509, and determines whether they match. If not, the process proceeds to step S706. If they match, the process proceeds to step S720, a message indicating that synchronization is unnecessary is displayed on the display device 504, and the synchronization process is terminated.
[0048]
In step S706, the CPU 501 compares the card data received from the IC card 100 and the card data stored in the EEPROM 509 with the update time (data element creation date and time) of the card data included therein, Create the latest card data. The latest card data created is stored in the EEPROM 509. The card data includes a plurality of data elements, and includes update times for each data element. Therefore, the synchronization process can be executed in units of data elements.
[0049]
In step S708, whether the CPU 501 is connectable to a server of a group that provides the card function included in the IC card 100 (eg, debit card payment server 120, credit card payment server 122, bank server 124, etc.). Determine whether. For example, it may be determined whether it can be connected via the IC card terminal 110, or it may be determined whether it can be connected to the server via a mobile phone network by the communication interface 507. If connection is possible, the process proceeds to step S710. If not connected, the process proceeds to step S718, where the CPU 501 controls the card interface 508 to write the latest card data to the IC card 100, and ends the synchronization process.
[0050]
In step S710, CPU 501 requests card data stored in the server to be transmitted to mobile phone 102, and receives card data transmitted from the server in response to the transmission request.
[0051]
In step S712, the CPU 501 determines whether the card data received from the server matches all the card data stored in the EEPROM 509. If they match, the process proceeds to S720, and if they do not match, the process proceeds to step S714.
[0052]
In step S714, the card data received from the server and the card data stored in the EEPROM 509 are compared with the update time of the card data included in each, and the latest card data is created again. The latest card data created is stored in the EEPROM 509.
[0053]
In step S716, the CPU 501 transmits the latest card data created to the server. The server updates the database using the latest received card data.
[0054]
In step S718, the CPU 501 writes the latest card data back to the IC card 100.
[0055]
The card data synchronization process is executed by the above procedure. In the above-described embodiment, the card data match determination process and the latest data creation process are performed by the mobile phone 102. May be. For example, if the transmission of the card data held in the servers 120 to 124 to the mobile phone 102 is rejected for security reasons, the card data is transmitted from the mobile phone 102 to the server, and the server The determination process and the creation process may be executed.
[0056]
Further, when the IC card 100 performs synchronization processing independently, a card data storage circuit (eg, EEPROM 204) that stores card data corresponding to each card function and a receiving circuit (eg, card interface 207) are used. The first comparison circuit (e.g., CPU 201) that compares the card data stored in the mobile terminal 102 received in this way with the card data stored in the card data storage circuit, and both cards as a result of comparison. An IC including a first update control circuit (for example, CPU 201) that synchronously updates both of the card data with the latest card data based on information relating to the creation date and time of the card data when the data does not match A card 110 is provided.
[0057]
Further, when synchronizing with the data on the center side, it is connected to the card function center device (for example, servers 120 to 124) via the portable terminal 102 or the IC card reader / writer device 110, and stored and held in the center device. A second comparison circuit (e.g., CPU 201) that receives the received card data and compares the received card data of the center device with the card data stored in the card data storage circuit. If the card data does not match, a second update control circuit (e.g., CPU 201) that synchronously updates both of the card data with the latest card data based on the information related to the creation date of the card data is included. An IC card is provided.
[0058]
FIG. 8 is a flowchart relating to the photographic data transfer process according to the present embodiment. By storing the card user's photo data in the card data, identity verification can be easily performed. Therefore, in this embodiment, a synchronization process when new photo data is acquired will be described. Note that the processing according to this flowchart is started when, for example, “transfer ID photo data” is selected by operating the operation unit 505.
[0059]
In step S <b> 800, the CPU 501 determines whether identification photo data (such as image data 212) is stored in the EEPROM 509. For example, a file name representing an ID photo is determined in advance such as “ID photo.jpg”, and it is detected whether the image data 212 with the file name is stored in the EEPROM 509. If the ID photo data has been saved, the process proceeds to step S806, and if it has not been saved, the process proceeds to step S802.
[0060]
In step S <b> 802, the CPU 501 displays shooting instruction information on the display unit 504. The shooting instruction information is information for explaining tips for taking an ID photo.
[0061]
In step S804, the CPU 501 controls the image input unit 510 that functions as a digital camera, and executes shooting processing. The captured image data is stored in the RAM 502 or the EEPROM 509.
[0062]
In step S806, the CPU 501 executes IC card detection processing and determination processing. If the IC card can be detected, the process proceeds to step S808. If not detected, the process proceeds to step S810 to execute error processing. As the error processing, for example, the transfer to the IC card 100 is executed again after a predetermined timing.
[0063]
In step S808, the CPU 501 writes the ID photo data to the detected IC card 100. Specifically, the ID photo data is stored in the EEPROM 204.
[0064]
In step S812, the CPU 501 determines whether it is possible to connect to the server to which the identification photo data is to be transferred. If connection is possible, the process proceeds to step S814. If connection is impossible, the process proceeds to step S816, and error processing is executed. As the error processing, for example, the transfer to the server is executed again after a predetermined timing.
[0065]
In step S814, the CPU 501 transmits the ID photo data to each server, and ends the transfer process.
[0066]
With the above processing, the latest ID photo data is transferred to the IC card and each server, and ID photo data synchronization processing is realized. When the CPU 201 of the IC card 100 requests image data of the card user from the IC card terminal 110, the ATM terminal 112, or the mobile phone 102, the CPU 201 reads the image data from the EEPROM 509 and transmits it.
[0067]
FIG. 9 is an exemplary flowchart relating to card data display processing according to the present embodiment. It is desirable that the card data to be displayed is originally the latest. Therefore, the synchronization process is executed even when the card data display process is activated. This display process is started when, for example, “display card data” is selected by the operation unit 505 from the options displayed on the display device 504.
[0068]
In step S <b> 900, the CPU 501 reads card data from the EEPROM 509 and causes the display device 504 to display the titles of the respective data elements constituting the read card data.
[0069]
In step S902, the CPU 501 monitors an operation input from the operation unit 505, and determines which display candidate is selected.
[0070]
In step S <b> 904, the CPU 501 determines whether the selected data (display candidate) is data that requires synchronization or invariant data that does not require synchronization. The card data includes flag data indicating whether or not there is data to be synchronized for each data element. If the selected data is a synchronization target, the process proceeds to step S906. If it is not a synchronization target, the process advances to step S908, and the CPU 501 reads card data from the IC card 100. The card data read out here may be only selected data elements or all data elements. In the latter case, it may be necessary to control to display only the data element selected during the display process.
[0071]
In step S <b> 906, the CPU 501 reads card data from the IC card 100.
[0072]
In step S910, the CPU 501 executes the above-described synchronization process (FIG. 7).
[0073]
In step S912, it is determined whether the selected data element is protected by a password. The card data includes flag data indicating whether or not each data element is protected by a password. In addition, it is assumed that information regarding the password is also included in the card data. If the data element to be displayed is protected by the password, the process proceeds to step S914, and if not, the process proceeds to step S916.
[0074]
In step S914, the CPU 501 executes password authentication processing. For example, a password input screen is displayed on the display device 504 to check whether the information input from the operation unit 505 is a correct password.
[0075]
In step S916, the CPU 501 causes the display device 504 to display the selected card data. Note that the time at which each synchronization process is executed may be displayed on the display device 504.
[0076]
With the above processing, the latest card data can always be displayed except when the synchronization processing fails.
[0077]
Next, a specific example of the synchronous update process described in steps S706 and S714 will be shown. The synchronous update process includes several sub update processes, such as a simple overwrite update process, a merge update process that combines and deletes data, and an update process with new data obtained from the results of the merge update process, etc. ing. For example, if the data item is the card user's address, telephone number, etc., the oldest data is overwritten with the data with the latest date and time when the data item was stored. In this case, the synchronous update process can be executed simply using the data creation date.
[0078]
For log data such as purchase records, the data are merged so that both data are arranged in order of creation date and time. In this case, the latest data is created from the data of both the IC card and the portable terminal and is overwritten on both.
[0079]
Also, the latest data such as the balance of electronic money and the balance of offline debit cannot be grasped from the balance data of both. For example, assume that the electronic money balance is 10,000 yen in the initial state. Thereafter, it is assumed that 300 yen of electronic money in the IC card is used, while 2000 yen of electronic money of the portable terminal that is a copy thereof is used. In this case, the balance before the time of the synchronous update processing is 9700 yen (10000 yen-300 yen) for the IC card, and 8000 yen (10000 yen-2000 yen) for the portable terminal. For this reason, it is not possible to simply select one of the data and overwrite it. Therefore, firstly, after the purchase record is synchronously updated, the latest balance can be obtained by calculating the total payment amount and subtracting it from the original balance. For example, after updating the purchase record assuming that 300 yen and 2000 yen were used, the total payment amount was 2300 yen, and the original balance was deducted from the original balance of 10000 yen. 7700 yen is calculated, and the balance of both the IC card and the portable terminal is updated.
[0080]
FIG. 10 is a diagram for explaining the concept of the synchronous update process according to the present embodiment. 10A shows card usage history data stored in the IC card 100, and FIG. 10B shows card usage history data stored in the mobile terminal 102. Yes. Here, the card use history ID includes a use store code (example: 081220240002ABC), a use date (example: 20030606), a use time (example: 1113030), a product code (example: 51460303333), and the like. Since the card use history ID is unique identification information in this way, it is useful for synchronous update.
[0081]
The CPU 501 of the mobile terminal 102 reads the usage date data and usage time data of the card usage history ID, and sorts the card usage history ID and the corresponding payment amount. If usage history data having the same card usage history ID exists after the sorting process, the CPU 501 deletes one of them. FIG. 10C shows the data after sorting and deletion processing of duplicate data. You can understand that they are sorted by date of use. Thereafter, the CPU 501 calculates the sum of the payment amounts, and further reduces the original balance to calculate the latest balance.
[0082]
Thus, the above-mentioned synchronous update process is also achieved by creating the latest card data and writing it in the EEPROM of the IC card 100 and the portable terminal 102. Note that the synchronous update process with the data on the center side of the IC card may be executed in the same manner.
[0083]
【The invention's effect】
According to the present invention, there is provided a portable terminal that can be used almost the same as the original IC card and can be used even if the original IC card is not present on the spot. Therefore, the original IC card can be used at an ATM terminal or the like as before. Furthermore, even if the IC card is left at home, such as when the IC card is not at hand, the mobile terminal can be used as a copy card for the IC card. Convenience will be further enhanced.
[Brief description of the drawings]
FIG. 1 is a diagram for explaining an outline of an exemplary IC card system according to the present embodiment;
FIG. 2 is a block diagram of an exemplary IC card according to the present embodiment.
FIG. 3 is a block diagram of an exemplary IC card reader / writer device according to the present embodiment.
FIG. 4 is an exemplary block diagram of each server according to the present embodiment.
FIG. 5 is an exemplary block diagram of a mobile terminal according to the present embodiment.
FIG. 6 is an exemplary flowchart regarding a copy process and a synchronization process in the mobile terminal according to the present embodiment.
FIG. 7 is an exemplary flowchart regarding card data synchronization processing according to the present embodiment;
FIG. 8 is a flowchart relating to photo data transfer processing according to the present embodiment;
FIG. 9 is an exemplary flowchart relating to card data display processing according to the present embodiment;
FIG. 10 is a diagram for explaining the concept of synchronous update processing according to the present embodiment;
[Explanation of symbols]
100 ... IC card
102. Mobile phone with IC card reader / writer function
110 ... IC card reader / writer
112 ... ATM terminal
120: Debit card payment server
122 ... Credit card payment server
124 ... Bank server

Claims (12)

A portable terminal that functions as a copy IC card of the IC card by copying information on one or more card functions included in the IC card,
A first IC card interface connected to the IC card for transmitting and receiving card data;
A storage unit for storing various card data necessary for realizing the IC card received from the IC card to be copied via the first IC card interface;
A second IC card interface for connecting to an external IC card reader / writer device and transmitting / receiving card data;
When the card data transmission request is received from the external IC card reader / writer device via the second card interface after the connection with the IC card is disconnected, the card that is the target of the transmission request A mobile terminal comprising: a card function control unit that reads data from the storage unit and transmits the data via the second card interface. In the card function control unit,
A first comparison unit that compares the card data stored in the IC card to be copied with the card data stored in the storage unit of the portable terminal that functions as a copy of the IC card;
A first update control unit that synchronously updates both card data based on information on the date and time of creation of the card data if both the card data do not match as a result of the comparison; The mobile terminal according to claim 1. In the card function control unit,
Center connection for connecting to a card function center device via the IC card reader / writer device connected to the second interface, and receiving card data of the copy target IC card stored and held in the center device A control unit;
A second comparison unit that compares the received card data of the center device with the card data stored in the storage unit;
And a second update control unit that synchronously updates both the card data based on information relating to the creation date of the card data if both the card data do not match as a result of the comparison, The portable terminal according to claim 1 or 2. A synchronous time storage unit for storing a time at which the synchronous update process of the card data is executed by the update control unit;
The mobile terminal according to claim 2, further comprising a display unit that displays the card data after the synchronization update together with the synchronization time. An image input unit for inputting card user image data;
An image storage unit for storing the input image data of the card user;
The mobile terminal according to claim 1, further comprising a transfer control unit that transfers the image data to the IC card via the first card interface. The portable terminal according to claim 5, further comprising a registration control unit that registers the image data of the card user in a center device via the second card interface. The portable terminal according to claim 1, further comprising a detection unit that detects that the IC card to be copied exists in a communicable range of the first card interface. The portable terminal according to claim 1, wherein the first card interface is a contact type or non-contact type card interface. 9. The portable terminal according to claim 1, wherein the second card interface is a contact type or non-contact type card interface. A receiving circuit for receiving image data of the card user from the mobile terminal according to claim 5;
An image data storage circuit for storing the received image data;
An IC card including a transmission circuit that reads image data from the storage circuit and transmits the image data to the IC card reader device when image data of the card user is requested from the IC card reader device. A card data storage circuit for storing card data corresponding to each card function;
A first comparison circuit for comparing card data stored in the portable terminal received via the reception circuit with card data stored in the card data storage circuit;
A first update control circuit for synchronously updating both card data based on information relating to the creation date of the card data if both the card data are inconsistent as a result of the comparison; The IC card according to claim 10. When the card data stored in the center device is received via the portable terminal or the IC card reader / writer device and connected to the card device, the received card data of the center device and the card A second comparison circuit for comparing card data stored in the data storage circuit;
And a second update control circuit for synchronously updating both the card data based on information relating to the creation date of the card data if both the card data do not match as a result of the comparison. The IC card according to claim 10 or 11.

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