JP2007141055A - Electronic valuable information device, portable terminal, settlement terminal, electronic valuable information processing system, program and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic valuable information device which automatically selects electronic valuable settlement service to which a user desires to give priority most when a plurality of electronic valuable settlement services are available. <P>SOLUTION: The electronic valuable information device transmits/receives electronic valuable information stored in a storage means with a settlement terminal of the electronic valuable information by radio communication and has a means for storing one or more electronic valuable settlement services in the storage means and determining priority to be applied to every electronic valuable settlement service. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an electronic valuable information device, a portable terminal device, a payment terminal device, an electronic valuable information processing system, and a program and a recording medium, and in particular, a plurality of electronic valuable payment services set in one electronic valuable information device. The present invention relates to a technology for selecting an electronic value settlement service suitable for a user from among them.

In recent years, electronic money services realized by using an IC chip and writing money information via a device called a reader / writer are spreading.
In addition, an electronic money service in which a contactless IC chip is mounted on a mobile phone is currently being implemented, and various electronic money and credit functions are also being mounted.

  As described above, when various types of electronic money and credit functions are installed in the mobile phone, it becomes a problem to select which one of these electronic money and credit functions should be used at the time of payment.

  At present, when a plurality of electronic value settlement services as described above are installed, it is assumed that a payment method is selected by an operation on the reader / writer side. However, in this method, every time payment is made, the store clerk is asked about the type of electronic value settlement service to be used, and the store clerk performs a selection operation at the cash register.

  For this reason, the operation of the store clerk becomes complicated, and there is a concern that the sales lead time may be deteriorated due to a settlement trouble due to an operation mistake of the store clerk and an increase in waiting time at the cash register. This is one of the factors that increase the cost for dealers, and is particularly important at convenience stores in central Tokyo where there are many customers.

  In the future, the number of unmanned stores and unmanned cash registers using electronic value settlement service systems is expected to increase, but at this time the customer must select the electronic value settlement service instead of the store clerk. There is a concern that waiting time at the cash register will increase.

  The technique of Patent Document 1 is for solving such a problem. When payment processing is performed using a payment card having a plurality of types of value information, the payment card is set in the payment card processing device. The data of the set payment card is read, and the payment order setting means designates the payment order from the plurality of types of value information recorded on the payment card based on the card data, and performs the payment processing. Yes.

For this reason, if the payment card has both the credit use function and the electronic wallet use function, one of the payment types is automatically selected from the card data for payment. Therefore, even if a shortage of balance occurs when payment is made with an electronic wallet, it is possible to automatically select the payment type of the shortage amount of the balance and perform the payment processing, and the payment processing can be fully automated.
Japanese Patent Laid-Open No. 11-2559577

  However, in the technique of Patent Document 1, the priority order for the customer himself / herself to settle with the setting data input device is set one by one. However, the priority of the payment service to be used varies depending on the store where the payment is made, the balance of the electronic money, and the like. In order to change this priority, the priority set once by the customer is set by the setting data input device. The problem of having to reset it comes out.

  The present invention has been made in consideration of the above-described circumstances, and when a plurality of electronic value settlement services are available, an electronic value that can automatically select an electronic value settlement service that a customer wants to give priority to. To provide an information device, a portable terminal device, a payment terminal device, an electronic valuable information processing system, a program for causing a computer to realize the functions of these devices and system, and a computer-readable recording medium storing the program With the goal.

In order to solve the above problems, the present invention has the following configuration.
This electronic valuable information device is a device for transmitting and receiving electronic valuable information stored in the storage means to and from a payment terminal device for electronic valuable information by wireless communication, and stores one or more electronic valuable payment services in the storage means. And means for determining a priority order to be applied to each electronic value settlement service.
Alternatively, means for transmitting information relating to the electronic value settlement service to the settlement terminal device in the order of the determined priority is added to the above configuration.

The means for determining the priority order varies the priority order of each electronic value settlement service by any one of the following (1) to (6) or any combination.
(1) Prioritize the usage frequency of each electronic value settlement service with priority.
(2) Priorities are determined by prioritizing the frequency of use of each electronic value settlement service.
(3) Prioritize the electronic value settlement service used last time and determine the priority order.
(4) A priority order is determined according to the balance of each electronic value settlement service.
(5) Prioritize each electronic value settlement service according to the settlement location and determine the priority order.
(6) Prioritize each electronic value settlement service according to the service level and determine the priority order.

  For example, the priority determined by the means for determining the priority may be changed for each electronic value settlement service according to the settlement place and the service level, or set for each electronic value settlement service. The electronic value settlement service may be changed depending on the relationship between the used limit amount and the settlement amount.

  If payment cannot be made based on the determined priority order, it is possible to give priority to the electronic value settlement service whose priority order is determined next.

The portable terminal device includes the above-described electronic valuable information device and an informing means, and the informing means informs the electronic valuable settlement service whose priority is determined.
The settlement terminal device transmits and receives electronic valuable information by wireless communication with the electronic valuable information device described above, and executes settlement according to the calculated priority order.
Further, the electronic valuable information processing system includes the portable terminal device and the payment terminal device, and when a plurality of electronic valuable payment services are available, the electronic valuable payment service that the user wants to prioritize automatically is automatically selected. it can.

  The present invention can also be realized by a program for executing the functions of the electronic valuable information device, portable terminal device, settlement terminal device, and electronic valuable information processing system configured as described above, or a computer-readable recording medium storing the program. Can be configured.

According to the present invention, the electronic value settlement service that the user wants to use is automatically selected from among a plurality of electronic value settlement services installed. The increase in waiting time can be eliminated.
In addition, even in the case of an unattended cash register system, payment can be made without any operation by the user himself, so that it is possible to eliminate an artificial operation error and an increase in waiting time at the cash register.

  Furthermore, since the order of use of a plurality of installed electronic value settlement services is changed according to the usage status, the electronic value settlement service can be used with the priority order optimum for the user.

Hereinafter, preferred embodiments of the present invention will be described with reference to the drawings.
In this embodiment, as an electronic valuable information device, an IC chip capable of non-contact near field communication corresponding to a plurality of electronic valuable payment services, a mobile terminal device, a mobile phone equipped with an electronic valuable information device, and a payment terminal device As an example of a POS terminal that performs settlement by one of the electronic settlement services provided in the electronic valuable information device and an electronic valuable information processing system, a system that performs electronic valuable information processing by combining these devices is described. However, it is not limited to this.

Further, the non-contact type IC chip constituting the electronic valuable information device includes (1) a passive type IC chip and (2) an active type IC chip.
This passive IC chip is generally realized based on the principle of electromagnetic induction. That is, it is composed of an IC chip having a memory and having a processing function based on information stored in the memory, and a reader / writer that requests processing to the IC chip and receives the result. As a system, a loop coil on the IC chip side and an antenna on the reader / writer side as a secondary coil form one transformer.
Then, the power is supplied from the reader / writer side to the IC chip by electromagnetic induction and at the same time the information is transmitted, and the IC chip side is driven by the supplied power to respond to the request signal from the reader / writer side. Can respond.

On the reader / writer side, by modulating the current flowing through the antenna, the induced voltage of the loop coil on the IC chip is modulated, so that data can be transmitted from the reader / writer to the IC chip.
Also, the IC chip returns to the reader / writer by the effect that the impedance between the antenna terminals on the reader / writer side changes due to load fluctuations between the terminals of the loop coil and the antenna passing current and voltage fluctuate. I do.

  Non-contact / proximity communication systems represented by IC chips are widely used because of their ease of operation. For example, code codes, other personal authentication information, value information such as electronic tickets, etc. are stored on IC cards, while readers / writers are installed at cash dispensers, concert hall entrances, and ticket gates at stations. In addition, when the user holds the IC chip over the reader / writer, the user can access without contact and perform authentication processing and settlement.

  The active IC chip is a data transmitter / receiver with a built-in battery, and has a feature that a communication distance is long. From this active IC chip, an ID by a weak radio wave is transmitted every few seconds. The reader / writer captures this ID, thereby establishing communication between the IC chip and the reader / writer. After that, although it is active, the IC chip itself does not actively start a communication session, and when it receives a signal from the reader side, it operates according to the signal.

  FIG. 1 is a schematic configuration diagram of hardware of a mobile terminal device used in the present invention. In the figure, a mobile terminal device 100 includes a main control unit 101, an antenna 102, a radio unit 103, an operation unit 104, a display unit 105, a microphone 106, a speaker 107, a memory 108, a light emitting unit 109, a position acquisition unit 110, and an electronic device. The valuable information device 200 is included.

The main control unit 101 controls the operation of the mobile terminal device 100 by executing a predetermined control program stored in the memory 108.
The antenna 102 transmits and receives voice, characters, images, video data, and the like when performing wireless communication with other communication terminals via wireless radio waves.
The wireless unit 103 is controlled by the main control unit 101 and performs wireless communication with the base station of the mobile phone communication network through the antenna 102 by a predetermined communication method. Through this wireless communication, voice telephone communication can be performed with a specific mobile phone or the like, and data communication such as transmission / reception of e-mails or content download from an information providing site can be performed.

The operation unit 104 includes data input keys (numeric keypad, * key, # key), a call start key, an end call key, a scroll key, a multi-function key, and the like. Various information including instructions for data input and function selection displayed on the display unit 105 is input.
The display unit 105 includes, for example, a liquid crystal display (LCD) or the like, and displays images and videos acquired by the wireless unit 103. In addition, the display unit 105 displays data input by the operation unit 104, processing intermediates / results / alarms, or information from the electronic valuable information device 200.

The microphone 106 inputs user and surrounding environmental sounds, encodes the transmitted sounds using a predetermined method, and sends the encoded sounds to the main control unit 101.
The speaker 107 decodes and outputs the received voice signal received by the wireless unit 103, or outputs a sound signal such as a sound effect stored in the memory 108.
The memory 108 includes, for example, a RAM (Random Access Memory), a ROM (Read Only Memory), a flash memory, and the like, and stores a control program executed by the main control unit 101 and various data.
The light emitting unit 109 is constituted by, for example, an LED (Light Emitting Diode), and notifies the user of the operation status by a combination of light emission color and light emission pattern. The light emitting unit 109 is not essential, and an operation status or the like may be output to the display unit 105.

  The position acquisition unit 110 is configured by, for example, GPS (Global Positioning Systems), receives information from GPS satellites, and acquires current position information (for example, longitude and latitude) of the mobile terminal device 100. Further, the location acquisition unit 110 compares facility information (for example, location information of stores, department stores, convenience stores, entertainment facilities, company offices, etc.) stored in the memory 108 in advance with the acquired current location information. To obtain which facility the current position is in and output the facility name.

Further, a server that performs a service for converting GPS position information into facility information may be connected via the wireless unit 103, and the current position information may be converted into facility information from this server.
Or when the position acquisition part 110 is comprised with a RFID (Radio Frequency Identification) reader | leader, it is also possible to acquire present location information from RFID installed nearest.
The position acquisition unit 110 is not essential.

The electronic valuable information device 200 is constituted by, for example, a non-contact IC chip, stores an electronic valuable payment service as a plurality of payment means, and performs payment according to information requested from the payment terminal device (details) Will be described later).
For example, when one of the settlement means is electronic money, it presents the current balance or writes the balance after settlement in response to a request from the settlement terminal device.
When one of the settlement means is credit, a credit number, a validity period, a contractor name, etc. are presented in response to a request from the settlement terminal device. If there are service points generated by shopping, the number of points is accumulated in the corresponding service points.
Alternatively, when one of the settlement means is a coupon or a service point, the number of points is presented in response to a request from the settlement terminal device, and the number of points deducted is written.

FIG. 2 is a functional block diagram of a payment terminal device and a mobile terminal device equipped with an electronic valuable information device according to the present embodiment.
In the figure, a payment terminal device 300 includes at least a communication unit 301, a control unit 302, a payment method determination unit 303, and service payment units 304 _{1 to} 304 that execute an electronic value payment service that can be settled by the payment terminal device 300. _n .

  In addition, in the figure, the mobile terminal device 100 is equipped with an electronic valuable information device 200 in addition to the original function as a mobile terminal device (for example, a telephone function for a mobile phone), and a notification method setting unit 212. , A priority order determination rule setting unit 221, a service priority order determination unit 231, a service priority order editing unit 241, and a service priority order output unit 251. Here, the notification method setting unit 212, the priority order determination rule setting unit 221, the service priority order determination unit 231, the service priority order editing unit 241, and the service priority order output unit 251 are not essential, and are provided as necessary. Is.

Further, in the figure, the electronic valuable information device 200 includes a communication unit 201, a control unit 202, a settlement method determination unit 203, service settlement units 204 _{1 to} 204 _m , a service accumulation unit 205, and a service management unit 206.

First, the configuration of the service management unit 206 will be described.
The service management unit 206 manages a priority storage table 2061, a service accumulation table 2062, and a determination method application order table 2063 (see FIG. 3).

  The priority storage table 2061 stores indexes to the service accumulation table 2062 in order from the highest priority to the lowest priority. This order is updated by the service priority determining unit 231 and the service priority editing unit 241.

  The service accumulation table 2062 records the following data items. However, not all of these data is required, and only data necessary for determining the priority order may be used.

Service name: a name that can identify an electronic value settlement service (hereinafter also referred to as a service or a settlement service), for example, a name that can identify various types of electronic money, credits, points, gift certificates, coupons, discount coupons, etc. .
Available location: The name of the facility or GPS coordinates where this service can be used. In addition, a non-set value (for example, 0) is set for a service that can be used without limiting the location.
Date of use: The latest date on which the user has used this service.
Cumulative use count: Cumulative count of the number of times the user has used this service during a period within a predetermined range.
Usage limit: A limit on the amount of money that a user can use at one time for this service. When there is no limit amount, an unset value (for example, 0) is set. This limit amount is set by the financial institution by the use limit amount setting means.
Balance: When the name of the service is electronic money, gift certificate, coupon, point, discount ticket, etc., the remaining amount is stored.
Priority order determination rule: after being determined based on a normal determination method, the priority order is changed based on individually set change rules (for details, the priority order determination rule setting unit 221, the settlement method determination unit 203, 303 description).
Notification method: Stores in what format the user is notified when the settlement method is determined. When not set, the determined method is displayed as text on the display unit 105, or when text display is not possible, such as in the case of a card-side terminal device, the display color of the location where the service name is described is changed. Notification is made (for details, see the description of the notification method setting unit 212 and the service priority output unit 251).

  The service name, available location, usage limit, and balance are set when the service is contracted or contract is renewed. In addition, the usage date, the cumulative number of usages, and the balance are updated each time the service is used, the priority determination rule is updated by the priority determination rule setting unit 221, and the notification method is updated by the notification method setting unit 212.

The determination order application order table 2063 stores the order in which the priority order determination method is applied. Examples of this determination method include the following.
(1) Priorities are determined in descending order of user usage frequency.
(2) The priority order is determined in the order of low user usage frequency.
(3) Priorities are determined in descending order of balance.
(4) Prioritize the same service as the previous one.
(5) Prioritize the services available at the settlement location.
(6) Priority is given to services that do not involve a financial burden either directly or indirectly by the user.

  When the priority order is not used in the determination method application order table 2063, an unset value (for example, 0) is set in the data item corresponding to the determination method not used.

Next, each processing unit of the payment terminal apparatus 300 will be described.
The communication unit 301 includes a reader / writer, causes the electronic valuable information device 200 to generate an electromagnetic induction action, supplies power, and sends a communication start signal to the communication unit 201 of the electronic valuable information device 200.
When there is a reply from the communication unit 201, the communication unit 301 activates the payment method determination unit 303 via the control unit 302, and between the payment method determination unit 303 and the payment method determination unit 203 of the electronic valuable information device 200. Mediates data transmission and reception.

When the settlement method determination unit 303 finishes executing and the settlement method is determined, the control unit 302 transmits the determined settlement method to the electronic valuable information device 200, and the service settlement unit 304 _j corresponding to this settlement method. Is started to make a payment, and when a payment end signal is received, it waits until communication with another electronic valuable information device 200 becomes possible.

  The settlement method determination unit 303 communicates with the settlement method determination unit 203 of the electronic valuable information device 200 via the control unit and the communication unit to determine a service that can be settled by the settlement terminal device 300. The service is transmitted to the control unit 302 and waits until communication with another electronic valuable information device 200 becomes possible (details will be described later).

When the service settlement unit 304 _j is activated, it communicates with the corresponding service settlement unit 204 _{k of} the electronic value information device 200 to perform settlement. When the service settlement unit 304 _j is terminated, a settlement end signal is transmitted to the control unit 302 and then activated. Wait until This service is a normal settlement with various electronic money, credits, gift certificates, coupons, points, discount coupons, and the like.

Next, each processing unit of the mobile terminal device 100 will be described.
The notification method setting unit 212 sets in what display format the payment method (service name) determined by the payment method determination unit 303 is to be notified to the user. This display format is stored in the data item of the notification method in the service accumulation table 2062 corresponding to the payment method.
Examples of the display format include the following.

(1) Notification by light emission:
The light emission color or light emission pattern corresponding to the payment method is stored, the light emission color or light emission pattern corresponding to the determined payment method is acquired, and the light emitting unit 109 is illuminated.
(2) Notification by icon:
An icon corresponding to the settlement method is stored, an icon corresponding to the determined settlement method is acquired and displayed on the display unit 105.
(3) Text notification:
The determined settlement method, the settlement amount, the balance and the like are displayed on the display unit 105 as text.

When the notification method setting is selected from the menu of the mobile terminal device 100, the notification method setting unit 212 causes the display unit 105 to display the above display format ((1) notification by light emission, (2) notification by icon, (3) text. Notification etc.).
The user selects one of these and operates the operation unit 104 to input. Here, when the user selects (1), the payment method and the emission color or emission pattern are further selected and input. Further, when (2) is selected, the association between the payment method and the icon is further selected and input.
The notification method setting unit 212 stores the information input as described above in the data item “notification method” corresponding to the payment method of the service accumulation table 2062.

  The priority determination rule setting unit 221 stores the application order between the methods for determining the priority order of the settlement method in the inter-determination method application order table 2063, and changes the priority order for each service. Are stored in the service accumulation table 2062.

  As described above, priority may be set by applying two or more determination methods, or the priority may be determined using only one determination method. Furthermore, as described above, it is not necessary to provide a priority order change rule for each settlement service.

First, when “determination method application order setting” used for settlement is selected from the menu of the mobile terminal device 100, the priority order determination rule setting unit 221 refers to the inter-determination method application order table 2063, and displays the display unit. The determination method and its current application order are displayed in a list at 105.
The user inputs the order of application between these methods, the method that is not used for determination, and then the rules that change the priority for each service.

  Here, the determination method is the method from (1) to (6) described above. Which of these determination methods is to be prioritized is determined with 1 as the highest order and 1 as the order decreases sequentially. Specify with the added value. In addition, zero is specified for the displayed determination method that is not used.

In addition, for example, in the case where “Payment is made with electronic money A at convenience store A” or “Discount is received when payment is made with credit B at restaurant B”, the electronic value is determined based on the location information of the mobile terminal device. I want to switch payment services.
In this case, the priority change rule of the electronic money A is “when the position information of the mobile terminal device is the convenience store A, the priority is increased”, and the priority change rule of the credit B is “the mobile terminal device When the position information is restaurant B, the priority is increased. " The location information of the portable terminal device may be a facility name (a convenience store name, a restaurant name, an amusement park name, etc.) obtained from the location acquisition unit 110 or a coordinate with a facility that can be used. It may be a given facility name.

  In addition to the electronic money A and credit B at the consumer electronics retailer P, when the store P handles points and coupons, if the points are more than a predetermined number, you want to use the points with priority In this case, the point service change rule of the store P is expressed as “if the location information of the mobile terminal device is the home appliance mass retailer P and the point is equal to or higher than a predetermined score, the priority is increased”.

  When the user finishes the input, the priority order determination rule setting unit 221 stores the information indicating that the determination method application order is not used and the data item corresponding to each determination method in the determination method application order table 2063 and is designated. Further, the priority change rule for each service is stored in the data item of the priority determination rule in the service accumulation table 2062.

The service priority order determination unit 231 is activated at the following four timings and determines the priority order of services to be settled.
(1) When the mobile terminal device 100 is in a standby state, for example, priorities are determined before the user goes to sleep, during sleep, or when getting up.
(2) The user decides the priority order before shopping, for example, as necessary.
(3) When the priority order determination rule setting unit 221 is executed, the priority order is determined again.
(4) When the position information (facility name etc.) where this payment terminal exists is received from the payment terminal device 300, the priority order is determined.

First, when the service priority order determination unit 231 is activated, the determination method is applied in the application order specified in the inter-decision method application order table 2063 to determine the priority order of the settlement method, and the priority order storage table 2061 is used. Remember.
First, the individual determination methods described above will be described.

(1) Priorities are determined in descending order of user usage frequency.
The services are arranged in the descending order of the accumulated usage count stored in the service accumulation table 2062, and the index values stored in the service are recorded in the priority order storage table 2061 in the arranged order.

(2) The priority order is determined in the order of low user usage frequency.
The services are arranged in ascending order of the accumulated usage count stored in the service accumulation table 2062, and the index values stored in the service are recorded in the priority order storage table 2061 in the arranged order.

(3) Priorities are determined in descending order of balance.
The services are arranged in descending order of the balances stored in the service accumulation table 2062, and the index values stored in the services are recorded in the priority order storage table 2061 in the arranged order.

(4) Prioritize the same service as the previous one.
The services are arranged in the order of new use date stored in the service accumulation table 2062, and the index values stored in the service are recorded in the priority storage table 2061 in the arranged order.

(5) Prioritize the services available at the settlement location.
When the facility name is not received from the payment terminal device 300, the current position of the mobile terminal device 100 is acquired by the position acquisition unit 110, and the available location stored in the service accumulation table 2062 is referred to. The available payment services are arranged with priority, and the index values of the service accumulation table 2062 in which the services are stored are recorded in the priority storage table 2061 in the arranged order.
In addition, when the facility name is received from the settlement terminal device 300, the received facility name is set as the current location, the available location stored in the service accumulation table 2062 is referred to, and the settlement service available at the current location is determined. The priority is sorted, and the index value of the service accumulation table 2062 in which the services are stored is recorded in the priority storage table 2061 in the sorted order.

(6) Priority is given to services that do not involve a financial burden either directly or indirectly by the user.
Among the services stored in the service accumulation table 2062, the priority of service names (eg, gift certificates / points / coupons / discount coupons, etc.) that do not accompany the user is raised, and other financial burdens are given to the user. The service names (for example, electronic money, credits, etc.) associated with the service names are lowered and arranged, and the index values stored in the services are recorded in the priority storage table 2061 in the arranged order.
In this case, a priority order may be given to each of the gift voucher / point / coupon / discount ticket, etc., or some may be given a priority order.

  When two or more arbitrary determination methods among the above (1) to (6) are designated, the services are arranged in the first determination method in the application order, and the services having the same rank are arranged. Alignment is performed by the second determination method, and the next sequential determination method is repeated for those having the same rank, and this is repeated until there is no specified determination method. That is, the services are arranged using the determination methods arranged in the application order as the arrangement keys for each dimension.

The service priority order editing unit 241 presents the priority order of services stored in the service management storage unit 206 and causes the user to change the priority order.
When “service priority order editing” is selected from the menu of the mobile terminal device 100, the service priority order editing unit 241 displays the service name, usage limit amount, balance, etc. of the service in the order stored in the priority order storage table 2061. Are displayed on the display unit 105 as a list.
The user rearranges the order of the service names on the list and inputs an instruction for completion of editing.
The service priority editing unit 241 updates the priority storage table 2061 by replacing the service name rearranged by the user with an index to the service accumulation table 2062 in which the service name is stored.

The service priority output unit 251 stores the priority level storage table 2061 after the notification method setting unit 212 and the service priority determination unit 231 are executed, or when a priority output instruction is input from the operation unit 104 by the user. The service stored at the highest level is output by the notification method recorded in the service accumulation table 2062. Further, all or a predetermined number of settlement services stored in the priority order storage table 2061 may be displayed as text or icons.
Further, the highest-order payment service or a predetermined number of payment services may be constantly output by the notification method.

  Since the payment service names are displayed in order of priority in this way, the user can change the priority by the service priority editing unit 241 when it is desired to give priority to another payment service at the time of payment.

Next, each processing unit of the electronic valuable information device 200 will be described.
The communication unit 201 returns a communication start signal from the payment terminal device 300 when power is supplied by electromagnetic induction, waits for an information request from the payment terminal device 300, and when there is an information request The information request is transferred to the control unit 202.
In addition, the processing result data transferred from the control unit 202 is converted into an electric signal and transmitted to the communication unit 301 of the payment terminal device 300.

The control unit 202 activates the payment method determination unit 203 in response to the payment method determination start signal from the payment method determination unit 303, mediates data transfer between the payment method determination unit 203 and the payment method determination unit 303, and sets the payment method. When the settlement method determined from the determination unit 303 is received, it is transferred to the notification unit 211.
In addition, when the information for settlement is sent from the service settlement unit 304 _j , the control unit 202 activates the service settlement unit 204 _k for the settlement service in the order received, and the service settlement unit 304 _j and the service settlement unit 304 _j to mediate the data transfer of the settlement unit 204 _k.

  The settlement method determination unit 203 determines a settlement method in cooperation with the settlement method determination unit 303 via the control unit and the communication unit (details will be described later).

The service settlement units 204 _{1 to} 204 _m correspond to the settlement service registered in the electronic valuable information device, perform settlement in cooperation with the service settlement unit 304, and when the settlement ends, the service accumulation unit 205 To transfer information related to the service for which payment has been completed (for example, service name, payment date, balance, etc.).

  The service accumulation unit 205 searches the service accumulation table 2062 with the received service name, sets a “settlement date” on the use date of the searched service, counts up the accumulated number of use for each predetermined period, and calculates the balance. Update with the received balance and end the process.

The notification unit 211 searches the service accumulation table 2062 with the received payment method, and notifies the user of the settled service according to the stored notification method.
If the notification method is “notification by light emission”, the light emitting unit 109 is requested to emit light with the light emission color and the light emission pattern registered in the service accumulation table 2062.
If the notification method is “notification by icon”, the display unit 105 is requested to display the icon registered in the service accumulation table 2062.
If the notification method is “notification by text”, the display unit 105 is requested to display the received payment method (service name), the amount required for payment, and the balance.

  Next, a method for determining a settlement method will be described. In this payment method, (A) all the payment methods possessed on the electronic valuable information device 200 side are transferred to the payment terminal device 300 side, and the payment method is determined on the payment terminal device 300 side, and (B) In some cases, all settlement methods that can be settled on the settlement terminal device 300 side are handed over to the electronic valuable information device 200 side, and the settlement method is determined on the electronic valuable information device 200 side.

(A) When determining a payment method on the payment terminal device 300 side:
FIG. 4 is a flowchart showing a processing procedure when the payment method is determined on the payment terminal device 300 side.
The settlement method determination unit 303 of the settlement terminal device 300 transmits a request signal to the electronic value information device 200 so as to send all the held settlement services (step S31).

The electronic value information apparatus 200 receives the service request signal (step S21), applies the priority change rule stored in the service accumulation table 2062 to each service in the priority storage table 2061, and determines the priority. (Step S22).
For example, when the change rule is “when the location information of the mobile terminal device is convenience store A, the priority is increased”, the location information of the mobile terminal device is obtained from the location acquisition unit 110 and the location information Are matched with “Convenience Store A”, and if so, the priority order of this rule is set to the highest order and the priority order storage table 2061 is updated. Further, when the current position information (facility name or the like) is received from the payment terminal device 300, the change rule is applied using the received current position information without acquiring the position information by the position acquisition unit 110 described above. Like that.

  The settlement method determination unit 203 transmits the settlement service names to the settlement terminal device 300 in the order of priority stored in the priority order storage table 2061 (step S23).

The settlement method determination unit 303 receives the settlement service name transmitted from the electronic value information device 200 (step S32), and extracts service names that can be settled by the settlement terminal device 300 from the list (step S33).
When the extracted payment service does not exist (step S34 / NO), a message that “there is no service used for payment” is displayed on the display device of the payment terminal device 300, and a similar notification is transmitted to the electronic valuable information device 200. (Step S35).
The electronic valuable information device 200 receives a notification that “there is no service used for payment” and displays it on the display unit 105 of the mobile terminal device 100 (step S24).
With this display, the user pays with cash or an alternative means that can be settled that is not registered in the electronic valuable information device.

On the other hand, when there is an extracted payment service (step S34 / YES), it is investigated whether the payment amount can be settled with the extracted payment service (step S36).
In this investigation, the electronic value information device 200 is inquired and acquired for the balance and usage limit amount possessed by each settlement service.

  When payment is made according to the priority order based on the information thus obtained, if the balance of the target payment service is insufficient, the electronic payment is made by the payment service of the next priority order. This is sequentially applied to lower priority payment services until all payment amounts are settled.

Alternatively, when the highest priority payment service balance is insufficient and payment cannot be made, the payment service may be determined as follows.
1) The excess amount is replenished by the next priority settlement service.
2) The settlement service with the highest priority is not settled, but the settlement service with the next priority is used for settlement.
3) When the settlement service with the highest priority is used and the settlement exceeds the usage limit, the settlement is performed with a specific settlement service (for example, credit).

When it is determined that payment cannot be made in the above investigation (step S37 / NO), a message “insufficient amount” is displayed on the display device of the payment terminal device 300, and a similar notification is transmitted to the electronic valuable information device 200. (Step S38).
The electronic valuable information device 200 receives the notification “insufficient amount” and displays it on the display unit 105 of the mobile terminal device 100 (step S25).
In the above display, the settlement method and the shortage amount may be displayed on the settlement terminal device 300 and the mobile terminal device 100, respectively.

  When it is determined that payment can be made in the above investigation (step S37 / YES), the payment method (s) determined to be payment is transmitted to the control unit 302 and the payment method is notified to the electronic valuable information device 200 ( Step S39). In the control unit 302, the service settlement unit 304 corresponding to the settlement method is sequentially activated in the order of transmission, the settlement is performed, and the process is terminated (step S40).

  In addition, the control unit 202 of the electronic valuable information device 200 activates the notification unit 211, delivers the payment method, and causes the light emitting unit 109 and the display unit 105 to display a payment service used for payment (step S26).

  By determining the settlement method as described above, for example, it is possible to use “return the remaining price with electronic money A after returning the points issued at the home electronics store to cash”.

(B) When determining a payment method on the electronic valuable information device 200 side:
FIG. 5 is a flowchart showing a processing procedure when the settlement method is determined on the electronic valuable information apparatus 200 side.
The settlement method determination unit 303 of the settlement terminal device 300 transmits a settlement method determination request signal to the electronic value information device 200 for all settlement services that can be settled by the terminal itself and the amount required for settlement (step S51). ).

  The electronic value information apparatus 200 receives the settlement method determination request signal (step S41), applies the priority change rule stored in the service accumulation table 2062 to each service in the priority storage table 2061, Similar to S22, the priority order is determined (step S42).

The settlement method determination unit 203 extracts serviceable service names received from the settlement terminal device 300 in order of priority stored in the priority order storage table 2061 (step S43).
When the extracted payment service does not exist (step S44 / NO), a message that “there is no service used for payment” is displayed on the display unit 105 of the mobile terminal device 100, and the same notification is transmitted to the payment terminal device 300. (Step S45).
The settlement terminal device 300 receives the notification that “there is no service used for settlement” and displays it on the display device of the settlement terminal device 300 (step S52).
With this display, the user pays with cash or an alternative means that can be settled that is not registered in the electronic valuable information device.

On the other hand, if there is an extracted payment service (step S44 / YES), it is investigated in the same manner as in step S36 whether the payment amount can be settled with the extracted payment service (step S46).
When it is determined that payment cannot be made in the above investigation (step S47 / NO), the display unit 105 of the mobile terminal device 100 displays “Insufficient amount” and the same notification to the payment terminal device 300 (step). S48).
The settlement terminal device 300 receives the notification of “insufficient amount” and displays it on the display device of the settlement terminal device 300 (step S53).
In the above display, the settlement method and the shortage amount may be displayed on the settlement terminal device 300 and the mobile terminal device 100, respectively.

  When it is determined that payment can be made in the above investigation (step S47 / YES), the payment method (s) determined to be payment is transmitted to the control unit 202 and the payment method is notified to the payment terminal device 300 (step) S49). The control unit 302 receives the payment method and sequentially activates the service payment unit 304 corresponding to the payment method in the order in which the payment method is transmitted to perform payment (step S54).

  In addition, the control unit 202 of the electronic valuable information device 200 activates the notification unit 211 and causes the light emitting unit 109 and the display unit 105 to display a payment service used for payment (step S50).

  The payment method determination unit 303 and the payment method determination unit 203 described above transmit data in a batch, but the requested data may be transmitted and received one by one to perform processing.

In the above-described embodiment, the electronic valuable information device 200 has been described as a passive IC chip. However, an active IC chip can be similarly configured.
In this case, when the payment terminal device 300 and the electronic valuable information device 200 are within a communicable distance, in the case of (A) above, a payment service request signal from the payment method determination unit 303 of the payment terminal device 300 is waited. Instead, the payment method determination unit 203 of the electronic valuable information device 200 transmits all the payment services possessed by the electronic valuable information device 200. Subsequent processing is executed in the same manner.

  In the case of (B) above, the payment terminal apparatus does not wait for the payment method determination request signal from the payment method determination section 303 of the payment terminal apparatus 300, and the payment terminal apparatus from the payment method determination section 203 of the electronic valuable information apparatus 200 Request 300 to send all payment services available for payment. Subsequent processing is executed in the same manner.

By configuring the embodiment as described above, the user selects an electronic payment method desired to be used from a plurality of electronic value payment methods (for example, electronic money, credits, points, coupons, discount coupons, etc.). As a result, it is possible to eliminate an artificial operation error on the cash register side and an increase in waiting time at the cash register. It is also possible to support future unmanned cash register systems.
In addition, the priority order varies depending on the use state, and since the priority order is optimal for the user, it is easy to use.

  The present invention is not limited only to the above-described embodiments. Each of the functions constituting the electronic valuable information device, portable terminal device, settlement terminal device, and electronic valuable information processing system using these in the above-described embodiment is programmed and written in the memory of each device in advance. It goes without saying that the object of the present invention is achieved by executing the program stored in the memory. In this case, the program read from the memory itself realizes the functions of the above-described embodiment, and the program and the memory storing the program also constitute the present invention.

Further, the program stored in the storage device may be directly supplied from the server computer to each device via a network. In this case, the storage device of this server computer is also included in the recording medium of the present invention.
As described above, by programming and distributing the functions of the above-described embodiment, the cost can be reduced, and the portability and versatility can be improved.

It is a schematic block diagram of the hardware of the portable terminal device utilized by this invention. It is a functional block diagram of the payment terminal device in embodiment, and the portable terminal device carrying an electronic valuable information apparatus. It is explanatory drawing of the data structure of a service management part. It is a flowchart which shows the process sequence in the case of determining a payment method by the payment terminal device side. It is a flowchart which shows the process sequence in the case of determining a payment method by the electronic valuable information apparatus side.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... Portable terminal device, 101 ... Main control part, 102 ... Antenna, 103 ... Radio | wireless part, 104 ... Operation part, 105 ... Display part, 106 ... Microphone, 107 ... Speaker, 108 ... Memory, 109 ... Light emission part, 110 ... Location acquisition unit, 200 ... electronic value information device, 201 ... communication unit, 202 ... control unit, 203 ... settlement method determination unit, 204 ... service settlement unit, 205 ... service accumulation unit, 206 ... service management unit, 2061 ... priority order Storage table, 2062 ... Service accumulation table, 2063 ... Determination method application order table, 211 ... Notification unit, 212 ... Notification method setting unit, 221 ... Priority determination rule setting unit, 231 ... Service priority determination unit, 241 ... Service Priority order editing unit, 251 ... service priority order output unit, 300 ... settlement terminal device, 301 ... communication unit, 302 ... control Department, 303 ... settlement method determining unit, 304 ... service settlement unit.

Claims (17)

  In an electronic valuable information apparatus that transmits and receives electronic valuable information stored in a storage means by wireless communication with an electronic valuable information payment terminal apparatus, one or more electronic valuable payment services are stored in the storage means, and the electronic valuable payment service An electronic valuable information device comprising means for determining a priority order to be applied to each.   In an electronic valuable information apparatus that transmits and receives electronic valuable information stored in a storage means by wireless communication with an electronic valuable information payment terminal apparatus, one or more electronic valuable payment services are stored in the storage means, and the electronic valuable payment service An electronic value information apparatus comprising: means for determining a priority order to be applied every time; and means for transmitting information relating to the electronic value settlement service to the settlement terminal device in the order of the determined priority order.   3. The electronic valuable information apparatus according to claim 1, wherein said priority determining means varies the priority according to the frequency of use of each electronic valuable settlement service.   4. The electronic valuable information apparatus according to claim 3, wherein the priority order determining unit prioritizes the frequency of use of each electronic valuable settlement service with priority.   4. The electronic valuable information apparatus according to claim 3, wherein said priority determining means prioritizes priority by giving priority to a low usage frequency of each electronic valuable settlement service.   3. The electronic valuable information apparatus according to claim 1, wherein the priority order determining unit prioritizes the electronic valuable settlement service used last time and determines the priority order.   3. The electronic valuable information apparatus according to claim 1, wherein said priority determining means determines the priority according to a balance of each electronic valuable settlement service.   3. The electronic valuable information apparatus according to claim 1, wherein said priority order determining means prioritizes each electronic valuable settlement service according to a settlement location and determines the priority order. apparatus.   3. The electronic value information apparatus according to claim 1, further comprising a use point management unit that manages a service level for each of the electronic value settlement services, wherein the means for determining the priority order is set according to the service level. An electronic valuable information device characterized in that priority is determined by giving priority to an electronic valuable settlement service.   10. The electronic valuable information apparatus according to claim 8 or 9, further comprising means for changing each electronic valuable settlement service according to a settlement place and a service level with the priority determined by the means for determining the priority. Electronic valuable information device.   11. The electronic valuable information device according to claim 3, further comprising usage limit setting means for setting a usage limit for each electronic valuable settlement service, wherein the priority is determined by the priority determining means. An electronic valuable information apparatus comprising means for changing the priority order according to a relationship between a use limit set for each electronic valuable settlement service and a settlement amount.   12. The electronic value information apparatus according to claim 1, wherein when the payment cannot be made based on the determined priority, the electronic value payment service whose priority is determined next is prioritized. An electronic valuable information device characterized in that payment is made.   13. A mobile terminal device comprising the electronic valuable information device according to claim 1, wherein the electronic valuable settlement service is determined by the means for determining the priority order or the means for changing the electronic valuable settlement service. A portable terminal device comprising means for informing the priority order of the mobile terminal device.   A settlement terminal device that transmits and receives electronic valuable information by wireless communication with the electronic valuable information device according to any one of claims 1 to 12, and executes settlement according to the determined settlement priority order of the electronic valuable settlement service. A payment terminal device.   An electronic valuable information processing system comprising the mobile terminal device according to claim 13 and the settlement terminal device according to claim 14.   A function of the electronic valuable information device according to any one of claims 1 to 12, a function of the mobile terminal device according to claim 13, a function of the settlement terminal device according to claim 14, or a claim 15 A program for realizing the functions of the electronic valuable information processing system described in 1.   A computer-readable recording medium on which the program according to claim 16 is recorded.

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