JP2010009432A - Settlement system and mobile terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement system and a mobile terminal wherein payment and settlement can be quickly performed without being influenced by surrounding conditions even when a communication terminal such as a cellular phone capable of performing settlement is in a communication disable state. <P>SOLUTION: The mobile terminal includes: an IC chip memory 181 for storing temporary payment balance information DAT2 and real payment balance information DAT1; an addition/subtraction processing part 1822 for subtracting a predetermined amount from a temporary balance amount based on the temporary payment and adding the predetermined amount to the real payment balance amount stored in the IC chip memory 181; a settlement processing part capable of performing settlement processing within a range in which the settlement amount does not exceed the real payment balance amount for settlement; and a terminal side communication part for notifying a host apparatus of the temporary payment balance information DAT2 and the real payment balance information DAT1 after the addition/subtraction processing or the settlement processing. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a payment system that performs payment processing by communication between a mobile terminal such as a mobile phone that is equipped with an electronic money function and is capable of payment processing, a host device such as a charge server, and a payment-side terminal such as a reader / writer, and It relates to mobile terminals.

  Some recent cellular phones and the like are equipped with an electronic money function that can be settled by a technique called RFID (Radio Frequency IDentification). This RFID is a technique for performing non-contact communication by electromagnetic coupling between an IC chip embedded in a mobile phone or the like and a reader / writer device as an external device.

  In the electronic money function, when a user pays a price at a retail store or the like, the electronic money information related to the amount recorded on the mobile phone or the like is transmitted to the retail store via the network by holding the mobile phone or the like over the reader / writer device. Settlement. Such an electronic money function is often used in place of a ticket at a ticket gate of a station in addition to a retail store or the like.

  In order to use the electronic money function, it is assumed that a charge (payment) balance is stored in an IC chip such as a mobile phone. Therefore, when the deposit balance amount is less than the settlement amount, settlement cannot be performed.

  In this case, it is necessary to add money to the mobile phone. There are the following two methods for depositing. The first method is a method of depositing cash into a depositing device (called a charger) and taking the information and deposit amount at the time of depositing from the charger into a mobile phone or the like.

The second method is a method of depositing money stored in a bank account via an Internet bank service through a network such as a mobile phone.
JP 2005-322801 A

  However, the first method has the inconvenience that it is not possible to make a deposit outside the place where the charger is installed. In the second method, there is a disadvantage that the mobile phone or the like cannot be deposited except in a communicable environment connected to the network. In particular, in the second method, server connection, user authentication, and the like must be performed, and there is a disadvantage in that it is not easy to use in a situation where payment is required immediately.

  An object of the present invention is to provide a payment system and a mobile terminal that can make a payment without being influenced by surrounding conditions even when a communication terminal such as a mobile phone capable of payment cannot be communicated.

  A payment system according to a first aspect of the present invention includes a mobile terminal, a host device, and a payment-side terminal, and the mobile terminal includes temporary payment balance information related to a temporary payment balance amount by temporary payment and a final payment balance amount by actual payment. A terminal-side storage unit that stores the information on the balance of payment received, and a predetermined amount subtracted from the amount of balance of the temporary deposit in the terminal-side storage unit, and the predetermined amount is added to the amount of balance of payment received in the terminal-side storage unit An addition / subtraction processing unit for performing addition / subtraction processing, a terminal-side payment processing unit capable of the payment processing within a range in which the payment amount does not exceed the deposit amount at the time of payment, and after the addition / subtraction processing or after the payment processing A terminal-side communication unit that notifies the host device of the temporary deposit balance information and the main deposit balance information; and the host device receives the notification from the portable terminal; A host-side storage unit that stores the temporary deposit balance information and the final deposit balance information after the addition / subtraction process or after the settlement process based on the notification; The settlement amount is notified to the terminal and the settlement processing from the terminal side settlement processing unit is accepted.

  Preferably, the mobile terminal determines whether the deposit amount is less than the settlement amount and whether the total balance amount obtained by adding the provisional deposit balance amount to the deposit amount is not less than the settlement amount. A determination processing unit configured to determine whether or not the addition / subtraction processing unit determines that the determination balance is less than the settlement amount and the total balance amount is not less than the settlement amount. In the case where the payment amount is not less than the amount obtained by subtracting the main deposit balance amount from the settlement amount and does not exceed the provisional deposit balance amount, the addition / subtraction process is performed on the predetermined amount as the predetermined amount. The terminal-side payment processing unit executes the payment process after the predetermined amount addition / subtraction process.

  Preferably, the portable terminal includes a presentation unit that presents an option as to whether or not to perform addition / subtraction processing of the predetermined amount when the deposit amount is less than the settlement amount.

  Preferably, the addition / subtraction processing unit causes the user to set the desired predetermined amount within the range of the temporary deposit balance amount.

  Preferably, the addition / subtraction processing unit performs the addition / subtraction processing even when communication between the terminal-side communication unit and the host-side communication unit is impossible.

  The mobile terminal according to the second aspect of the present invention is a mobile terminal capable of settlement processing, and stores temporary deposit balance information related to the temporary deposit balance amount by temporary deposit and permanent deposit balance information related to the final deposit balance amount due to temporary deposit. A terminal-side storage unit, and an addition / subtraction processing unit that performs addition / subtraction processing for subtracting a predetermined amount from the temporary deposit balance amount of the terminal-side storage unit and adding the predetermined amount to the main deposit balance amount of the terminal-side storage unit A terminal-side payment processing unit capable of the payment processing within a range in which the payment amount does not exceed the amount of the final payment balance at the time of payment, the temporary payment balance information after the addition / subtraction processing or the payment processing, and the And a terminal-side communication unit for notifying the host apparatus of the deposit balance information.

  ADVANTAGE OF THE INVENTION According to this invention, it can settle, even if it is in the condition where communication terminals, such as a mobile telephone which can be settled, cannot communicate without being influenced by the surrounding condition.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  FIG. 1 is a system diagram showing an example of a payment system according to the present embodiment.

  The payment system 1 illustrated in FIG. 1 includes a mobile terminal 10, a base station 20, a host device 30, a reader / writer 40 as a payment side terminal, and a network 50.

  The mobile terminal 10 is a mobile phone in this embodiment. The portable terminal 10 has functions for performing voice communication, creation and transmission / reception of electronic mail, a WEB site, various content data, and the like. The mobile terminal 10 may be, for example, a PHS (Personal Handy phone System).

  The mobile terminal 10 can be connected to the network 50 via the base station 20 when the mobile terminal 10 is located in the area. In this case, the mobile terminal 10 can establish the above-described voice call and communication with the host device 30.

  The area refers to an area where the mobile terminal 10 can communicate with the base station 20. For example, points A and D illustrated in FIG. 1 are within a range where the mobile terminal 10 can be connected to the network 50.

  On the other hand, the mobile terminal 10 cannot be connected to the network 50 when the terminal is located outside the service area. In this case, the mobile terminal 10 cannot establish the above-described voice call or communication with the host device 30.

  Out of service area refers to an area where the mobile terminal 10 cannot communicate with the base station 20. For example, the points B and C illustrated in FIG. 1 are out of service area where the mobile terminal 10 cannot connect to the network 50. Even if the mobile terminal 10 is in the cell of the base station 20 or in the service area, the mobile terminal 10 may not be connected to the network 50 if it is located in a subway premises.

  The portable terminal 10 is equipped with a non-contact type IC chip 18 (see FIG. 4), which will be described later, and has an electronic money function that allows payment of various usage fees using a reader / writer 40.

  By using this electronic money function, it is possible to make payments at various transportation tickets, commuter passes, retail stores, etc., and purchase various tickets. Electronic money information is recorded on the IC chip 18. In using the electronic money function, it is assumed that the balance is recorded in advance on the IC chip 18.

  Although details will be described later, the electronic money information is electronic information related to money, such as a deposit amount and a balance amount. Such money is also called electronic money.

  In order to obtain electronic money, the user needs to select one of the two deposit methods described below and deposit the money into the IC chip 18. Where appropriate, depositing into the IC chip 18 is also expressed as “depositing into the mobile terminal 10”.

  The first depositing method is a method in which a depositing charger (not shown) is deposited with cash, and information and deposit amount at the time of depositing are taken into the portable terminal 10 from the charger.

  The second depositing method is a method via a network. The second depositing method is a method in which the portable terminal 10 is connected to the network 50 and money stored in the bank account is deposited into the portable terminal 10 via the Internet bank service via the Internet network (not shown).

  In the present embodiment, a description will be given focusing on the payment system 1 when the second depositing method is selected.

  When the user selects the second depositing method, the mobile terminal 10 deposits by communicating with the host device 30 connected to the network 50.

  As a feature of the present embodiment, the mobile terminal 10 has a function that allows the mobile terminal 10 to deposit money by the second depositing method without connecting to the network 50 even when the mobile terminal 10 is located outside the service area.

  The mobile terminal 10 has a lock function for locking various functions (such as an address book) of the mobile terminal 10 including the IC chip 18 in order to improve security. This lock function can be released by password authentication, for example.

  The base station 20 is connected to the network 50 as shown by the solid line in FIG. The base station 20 communicates with the mobile terminal 10 in the cell and relays data with the host device 30.

  The host device 30 is also called a deposit server and is connected to the network 50. The host device 30 transmits / receives electronic money information to / from the mobile terminal 10 and the reader / writer 40 via the network 50, and performs processing related to the electronic money information. Such a host device 30 has the configuration shown in FIG.

  FIG. 2 is a block diagram illustrating a configuration example of the host device according to the present embodiment.

  As illustrated in FIG. 2, the host device 30 includes a host communication unit 31, a host processing unit 32, and a host memory 33.

  The host side communication unit of the present invention corresponds to the host communication unit 31, and the host side storage unit of the present invention corresponds to the host memory 33.

  The host communication unit 31 is connected to the network 50, receives electronic money information from the mobile terminal 10 and the reader / writer 40, and receives the electronic money information processed by the host processing unit 32 as the mobile terminal 10 and the reader / writer 40. Send to.

  The host processing unit 32 accesses the host memory 33 and performs processing related to payment based on the electronic money information input from the host communication unit 31. The host processing unit 32 performs server authentication to determine whether to authorize connection with the communication destination. Only when the server authentication is successful, communication between the communication destination and the host device 30 is established.

  The host memory 33 stores electronic money information processed by the host processing unit 32.

  The reader / writer 40 is disposed, for example, in a ticket gate at a store or a station, and is connected to the network 50 via a data processing terminal (not shown). FIG. 1 illustrates a case where the reader / writer 40 is arranged outside the base station 20 area.

  FIG. 3 is an external view showing an example of a reader / writer according to the present embodiment. FIG. 3 illustrates a case where the reader / writer 40 is installed in a ticket gate at a station.

  The reader / writer 40 emits a signal including a communication start signal and electronic money information as an electromagnetic wave (for example, an AM modulation signal). As shown in FIG. 3, the reader / writer 40 performs non-contact communication with the IC chip 18 (not shown in FIG. 3) by electromagnetic coupling when the user holds the portable terminal 10 over the reader / writer 40. Note that communication is possible even if both are in contact. The reader / writer 40 transmits electronic money information (such as purchase price) read from the IC chip 18 to the host device 30 via the network 50.

  The network 50 can handle voice data and packet data.

  Next, a configuration example of the mobile terminal 10 will be described with reference to FIGS. 4 and 5.

  FIG. 4 is a block diagram illustrating a configuration example of the mobile terminal according to the present embodiment.

  As shown in FIG. 4, the mobile terminal 10 includes an antenna 11, a radio unit 12, a CPU 13, a memory 14, a display unit 15, an operation unit 16, an audio processing unit 17, a speaker 17a, a microphone 17b, an IC chip 18, and an IC. A chip antenna 19 is provided.

  The antenna 11 is a rod antenna in the present embodiment, and transmits or receives electromagnetic waves in a predetermined frequency band toward the base station 20. The antenna 11 may be a built-in antenna.

  The wireless unit 12 performs wireless communication with the connected base station 20 and grasps whether communication with the base station 20 can be established.

  The wireless unit 12 modulates the transmission signal output from the CPU 13 into a predetermined modulation method, and transmits the modulated transmission signal via the antenna 11 as a radio wave signal. The radio unit 12 demodulates the radio wave signal received via the antenna 11 according to the modulation method, and outputs the demodulated signal to the CPU 13 as a received signal.

  The CPU 13 includes a determination processing unit 131 described later. The CPU 13 controls the overall operation of the mobile terminal 10 so that various processes are executed in an appropriate procedure according to the operation of the operation unit 16 by the user.

  The process performed by the CPU 13 is, for example, a voice call performed via the network 50, a process related to an electronic money function, and a process of an application for browsing electronic mail or WEB. The control performed by the CPU 13 is, for example, access to the wireless unit 12 and the memory 14, display of an image on the display unit 15, audio processing in the audio processing unit 17, and control of the IC chip 18.

  The CPU 13 executes processing based on a program (operating system, application program, etc.) stored in the memory 14. The CPU 13 executes the various processes and controls described above according to the procedure instructed in the program.

  The memory 14 is composed of, for example, a nonvolatile storage device (flash memory), a randomly accessible storage device (SRAM, DRAM), or the like.

  The memory 14 is accessed by the CPU 13, and an unsettled flag FLG described later is appropriately set. The memory 14 stores various data such as an output result of the CPU 13, an application program, temporary data used in the process of the program, and the name and telephone number of the other party.

  The display unit 15 includes a display device such as a liquid crystal display panel or an organic EL (Electro-Luminescence) panel. The display unit 15 displays various information corresponding to the video signal supplied from the CPU 13.

  Information displayed by the display unit 15 includes electronic money information such as a balance amount, a password input screen, a current lock function state, a telephone number of a call destination, a standby screen, and the like.

  The operation unit 16 includes a plurality of keys to which various functions such as a power key, a call key, a numeric key, a character key, a direction key, a determination key, and a call key are assigned. When these keys are operated by the user, the operation unit 16 generates a signal corresponding to the operation content and outputs the signal to the CPU 13 as a user instruction.

  Since the audio processing unit 17 converts the analog audio signal input from the microphone 17b into digital audio data and outputs it to the CPU 13, the analog audio signal is amplified and converted from analog to digital (A / D). Then, processing such as encoding is performed.

  Since the audio processing unit 17 outputs the digital audio data supplied from the CPU 13 via the speaker 17a, the audio processing unit 17 performs signal processing such as digital / analog (D / A) conversion and amplification on the digital audio data. .

  The IC chip 18 is a non-contact type IC chip in this embodiment. The IC chip 18 performs various processes necessary for executing electronic money functions such as depositing. The IC chip 18 can be deposited by the second depositing method without being connected to the network 50 even when the mobile terminal 10 is located outside the service area. Details of the IC chip 18 will be described later.

  The IC chip antenna 19 performs non-contact communication with the reader / writer 40 by electromagnetic coupling. The IC chip antenna 19 functions as a coil. When receiving an electromagnetic wave from the reader / writer 40, the IC chip antenna 19 is excited and electromagnetically coupled to enable communication with the reader / writer 40.

  The IC chip 18 will be described in detail with reference to FIG.

  FIG. 5 is a block diagram showing a detailed configuration example of the IC chip according to the present embodiment.

  As illustrated in FIG. 5, the IC chip 18 includes an IC chip memory 181 and an IC chip control unit 182. The IC chip control unit 182 includes a main control unit 1821 and an addition / subtraction processing unit 1822.

  The terminal 11 communication unit of the present invention is configured by the antenna 11 and the IC chip antenna 19. The IC chip 18 corresponds to the terminal side settlement processing unit of the present invention. The IC chip memory 181 corresponds to the terminal side storage unit of the present invention. The display unit 15 corresponds to the presenting unit of the present invention.

  The IC chip memory 181 stores electronic money information. As shown in FIG. 5, this electronic money information is composed of main deposit balance information DAT1, provisional deposit balance information DAT2, and unprocessed deposit information DAT3.

  The main deposit balance information DAT1 is information related to the balance of electronic money that is actually settled. The payment amount received by the user (referred to as the deposit amount) is added to the balance amount (referred to as the deposit amount) in the deposit information balance DAT1, and at the time of settlement, the settlement amount is calculated from the deposit amount in the deposit information balance DAT1. Subtracted (referred to as payment processing).

  The temporary deposit balance information DAT2 is information relating to the balance amount of temporary electronic money used when, for example, a shortage occurs. The provisional electronic money is electronic money that can be used when, for example, the main deposit balance of the main deposit balance information DAT1 is less than the settlement amount.

  For example, it is assumed that the user makes a payment using the electronic money function. At this time, if the amount of the main deposit balance (the total deposit balance) is lower than the settlement amount, the settlement cannot be made unless a new deposit is made. Therefore, although it is necessary to deposit before settlement, there are cases where it is not possible to deposit immediately even if it is necessary to deposit.

  Even under such circumstances, the user provisionally deposits the deposit in advance (referred to as provisional deposit) so that the deposit amount of the mobile terminal 10 can be immediately deposited. The deposit amount (referred to as provisional deposit amount) that the user has provisionally deposited is added to the balance amount (referred to as provisional deposit balance amount) in the provisional deposit balance information DAT2.

  As a result, even if the main deposit balance amount in the main deposit balance information DAT1 falls below the settlement amount at the time of settlement, the amount that can be settled, for example, the shortage amount is subtracted from the temporary deposit balance amount in the temporary deposit balance information DAT2. Settlement (referred to as this deposit processing) enables settlement.

In this way, payment can be made immediately by provisional payment. However, the shortage amount settled at this time is charged when the mobile terminal 10 becomes communicable with the host device 30 (referred to as unsettled processing).
That is, after the shortage amount is subtracted from the temporary deposit balance amount to the host terminal 30 from the mobile terminal 10 via the network 50, it is added to the final deposit balance amount, and then the shortage amount is used for settlement. Information (unprocessed money information DAT3), etc., information on the final deposit balance information DAT1 after settlement, and information on the temporary deposit balance information DAT2 after settlement. Thereby, each information which the portable terminal 10 has, and each information which the host apparatus 30 has will correspond.

  A main control unit 1821 of the mobile terminal 10 is connected to an addition / subtraction processing unit 1822 via a BUS (bus). The main control unit 1821 is also connected to the IC chip memory 181, the IC chip antenna 19 (see FIG. 4), and the discrimination processing unit 131 (see FIG. 4) of the CPU 13.

  The main control unit 1821 controls the operation of each component in the main control unit 1821. The enjoyment of data between the components connected to the main control unit 1821 is performed via the main control unit 1821.

  The addition / subtraction processing unit 1822 accesses the IC chip memory 181 and performs addition / subtraction between main deposit, provisional deposit, and unsettled deposit (referred to as addition / subtraction processing). As a specific example, the addition / subtraction processing unit 1822 adds the temporary deposit as a deposit to the temporary balance amount of the temporary deposit balance information DAT2.

  The discrimination processing unit 131 of the CPU 13 accesses the IC chip memory 181 and performs the following processing. The discrimination processing unit 131 refers to the provisional deposit balance information DAT2 and determines whether there is a provisional balance. The discrimination processing unit 131 discriminates whether or not the main deposit amount to be deposited into the mobile terminal 10 is less than the temporary deposit balance amount. The determination processing unit 131 refers to the deposit amount balance information DAT1, and determines whether or not the settlement amount is less than the deposit amount.

  The display unit 15 displays each deposit balance amount and settlement amount. In other words, if the current deposit balance is less than the settlement amount at the time of purchase of the product, etc., whether or not to make a deposit from the provisional deposit balance for the shortage amount or the specified amount specified by the user Is displayed to the user.

  Each component of the portable terminal 10 described above is stored in a predetermined location of the upper and lower casings illustrated in FIG.

  FIG. 6 is a diagram illustrating an appearance example of the mobile terminal according to the present embodiment. 6A is a perspective view from the front direction, and FIG. 6B is a perspective view from the back direction.

  As illustrated in FIG. 6, the mobile terminal 10 includes a foldable (also referred to as a folder type) mobile terminal in which an upper casing 100 and a lower casing 101 are connected by a hinge portion 102 and can open and close the upper and lower casings. It is. FIG. 6 illustrates an open state in which the upper and lower housings are opened.

  As shown in FIG. 6A, in the closed state in which the upper and lower housings are folded, the display unit 15 and the speaker 17a are disposed on the surface 100A of the upper housing 100 that faces the lower housing 101. . Various keys of the operation unit 16 and the microphone 17b are arranged on the surface 101A of the lower casing 101 that faces the upper casing 100 in the closed state. A telescopic antenna 11 is disposed in the vicinity of the hinge portion 102 on the side of the lower housing 101.

  As shown in FIG. 6B, an IC chip 18 and an IC chip antenna 19 are built in the lower housing 101. An IC chip antenna 19 formed by wiring of a circuit board is connected to the IC chip 18.

  Hereinafter, the operation of the payment system 1 will be described. However, in the following description, a case where the second depositing method for depositing via the network 50 is selected will be described.

  FIG. 7 is a diagram illustrating an example of the flow of electronic money according to the present embodiment.

  First, it is assumed that the mobile terminal 10 is located at a point A illustrated in FIG. At this time, the wireless unit 12 of the mobile terminal 10 grasps that communication with the base station 20 can be established.

  As an initial state, as shown in FIGS. 7A1 and 7A2, both the mobile terminal 10 and the host device 30 have a book deposit balance of ¥ 1,000. The temporary deposit balance amount, the unsettled amount, and the billing amount at this time are all 0 yen.

  At point A, the user makes a temporary payment to the mobile terminal 10 in advance. This temporary deposit process is executed by the processes of ST11 to ST16 shown in FIG.

  FIG. 8 is a flowchart showing an operation when the mobile terminal according to the present embodiment makes provisional payment.

  It is assumed that the user operates the operation unit 16 to make a temporary deposit of ¥ 5,000 to the portable terminal 10 (step ST11).

  In step ST11, in order to improve security, the portable terminal 10 can be locked with a password or the like in advance, and the depositing operation can be performed after the lock is released.

  In order to execute the provisional payment process, the wireless unit 12 establishes communication with the host device 30 via the network 50 via the base station 20 (step ST12). In addition, except for the operation at the charger, when the communication with the host device 30 is not established, the temporary deposit process by the operation from the mobile terminal 10 cannot be performed.

  At this time, the host device 30 performs server authentication in the host processing unit 32 (step ST13).

  In step ST13, if the server authentication is successful (YES), a temporary payment process is executed (step ST14).

  Specifically, the CPU 13 controls the addition / subtraction processing unit 1822 in the IC chip 18 to add the provisional deposit amount of ¥ 5,000 as deposit to the provisional deposit balance amount of the provisional deposit balance information DAT2. As shown in FIG. 7 (B1), the temporary deposit balance amount of the mobile terminal 10 is ¥ 5,000.

  At this time, as shown in FIG. 7 (B2), the host apparatus 30 adds the provisional deposit amount of ¥ 5,000 to the provisional deposit balance in the host memory 33.

  When the main control unit 1821 of the IC chip 18 receives the signal indicating the completion of provisional payment received from the host device 30, the main control unit 1821 outputs the completion of provisional payment to the CPU 13, and the CPU 13 displays the fact on the display unit 15 (step ST15). ).

  On the other hand, if the server authentication fails in step ST13 (NO), the main control unit 1821 receives an authentication failure message from the host device 30 and outputs an authentication failure message to the CPU 13, which the CPU 13 reports. It is displayed on the display unit 15 (step ST16).

  If the user makes the above-described provisional payment in advance within the range, the user can deposit in the mobile terminal 10 even if the user later moves out of the range.

  Next, the case of depositing money in the mobile terminal 10 will be described. The deposit process is executed by the processes of ST21 to ST212 shown in FIG.

  FIG. 9 is a flowchart showing an operation when the mobile terminal 10 according to the present embodiment deposits money.

  It is assumed that the user operates the operation unit 16 to deposit a deposit amount of ¥ 5,000 into the mobile terminal 10 (step ST21).

  In step ST21, in order to improve security, the portable terminal 10 can be locked in advance with a password or the like, and the depositing operation can be performed after the lock is released.

  The radio unit 12 of the mobile terminal 10 grasps whether or not communication with the base station 20 can be established at a local point (step ST22).

  If it is determined in step ST22 that the wireless unit 12 cannot establish communication with the base station 20 (YES), the IC chip 18 determines that the local point is out of range and performs steps ST23 to ST28. Execute the process.

  The processing of steps ST23 to ST28 is processing when the user moves from point A to point B outside the service area (may be point C) (see FIG. 1) and deposits into the mobile terminal 10 at point B.

  First, the processing of steps ST23 to ST28 will be described.

  In step ST23, the discrimination processing unit 131 of the CPU 13 refers to the temporary deposit balance information DAT2 in the IC chip memory 181 and determines whether there is a temporary deposit balance (step ST23).

  In step ST24, if there is a provisional deposit balance (YES), the discrimination processing unit 131 of the CPU 13 refers to the provisional deposit balance information DAT2, and the amount to be deposited into the mobile terminal 10 (main deposit amount) (step ST21). It is determined whether or not (see) is less than the provisional deposit balance (step ST24).

  If the final deposit amount is less than the provisional deposit balance in step ST25 (YES), an addition / subtraction process is executed (step ST25).

  Specifically, the addition / subtraction processing unit 1822 subtracts the main deposit amount of ¥ 5,000 from the temporary deposit balance amount of the temporary deposit balance information DAT2. The addition / subtraction processing unit 1822 adds this deposit amount of ¥ 5,000 to the deposit amount in the deposit amount information DAT1.

  As a result, as shown in FIG. 7 (C1), the temporary deposit balance amount of the mobile terminal 10 is ¥ 0, and the final deposit balance amount is ¥ 6,000.

  In step ST25, the display unit 15 may display, for example, an option as to whether or not to make a final deposit or a predetermined amount specified by the user. When the user decides to execute the main deposit process, the addition / subtraction processing unit 1822 executes the addition / subtraction process described above.

  Since the mobile terminal 10 cannot establish communication with the host device 30 outside the service area, as shown in FIG. 7 (C2), the main deposit balance amount and the temporary deposit balance amount of the host device 30 are It does not change from the amount in the temporary deposit process (see FIG. 7 (B2)).

  Thereafter, the CPU 13 receives the fact that the deposit process has been completed from the main controller 1821 of the IC chip 18 and sets an unsettled flag FLG in the memory 14 (step ST26).

  The main control unit 1821 outputs to the CPU 13 that the deposit process has been completed, and the CPU 13 displays the fact on the display unit 15 (step ST27).

  On the other hand, if there is no provisional deposit balance in step ST23 (NO), the main control unit 1821 outputs to the CPU 13 that there is no provisional deposit balance, and the CPU 13 displays that fact on the display unit 15 (step ST28). .

  Even when the final deposit amount exceeds the provisional deposit balance in step ST24 (NO), the process of step ST28 is performed.

  By the way, in step ST21, when it is understood that the wireless unit 12 can establish communication with the base station 20 (NO), the IC chip 18 assumes that the local point is within a range, and steps ST29 to ST29. The process of ST212 is executed.

  The processes in steps ST29 to ST212 are processes when the user deposits money to the mobile terminal 10 at a point A (or a point D) illustrated in FIG.

  Below, the process of step ST29-ST212 is demonstrated.

  When the wireless unit 12 communicates with the host device 30 via the network 50, a normal deposit process is executed (step ST29).

  At this time, the addition / subtraction processing unit 1822 adds the normal deposit amount of ¥ 5,000 to the final deposit balance amount of the final deposit balance information DAT1.

  As a result, like the one shown in FIG. 7 (D1), the total deposit balance amount of the mobile terminal 10 is ¥ 6,000.

  In the host device 30, the regular deposit amount of ¥ 5,000 is added to the regular deposit amount in the host memory 33, so that the regular deposit amount is ¥ 6,000.

  The main control unit 1821 of the IC chip 18 receives notification of the success or failure of the deposit process from the host device 30 (step ST210).

  In step ST210, when the normal deposit process is successful (YES), the main control unit 1821 outputs a message indicating the success of the deposit process to the CPU 13, and the CPU 13 displays the fact on the display unit 15 (step ST211).

  On the other hand, if the normal deposit process fails in step ST210 (NO), the main control unit 1821 outputs a message indicating that the deposit process has failed to the CPU 13, and the CPU 13 displays the fact on the display unit 15 (step ST212). )

  By the way, the host device 30 can actually charge the deposit amount that the mobile terminal 10 has paid out of the service area after the host device 30 can communicate with the mobile terminal 10. That is, when the mobile terminal 10 performs the main deposit process outside the service area, the host device 30 does not charge the main deposit amount until the mobile terminal 10 is located outside the service area (see FIG. 7 (C2)). On the 10 side, the final deposit amount remains unsettled.

  Hereinafter, the unsettled processing will be described with reference to FIG.

  FIG. 10 is a flowchart showing an operation when the mobile terminal according to the present embodiment performs an unsettled process.

  The main control unit 1821 of the IC chip 18 refers to the presence / absence of the unsettled flag FLG in the memory 14 (step ST31).

  In order to ascertain whether or not the mobile terminal 10 is located within a range, processing similar to step ST22 shown in FIG. 9 is executed (step ST32).

  In step ST32, when the mobile terminal 10 is located at the point D due to the movement of the user (YES), the wireless unit 12 communicates with the host device 30 via the network 50, whereby unsettled processing is executed ( Step ST33).

  In the host device 30, as shown in FIG. 7 (D2), the provisional deposit amount of ¥ 5,000 is added to the charge amount of the host memory 33, and the charge amount becomes ¥ 5,000 (step ST34).

  In step ST34, when charging on the host device 30 side is successful, that is, when the unsettled processing is successful (YES), the addition / subtraction processing unit 1822 uses the unsettled amount of the unprocessed money information DAT3 as a provisional deposit amount. The unsettled amount of ¥ 5,000 is subtracted (step ST35).

  As a result, as shown in FIG. 7 (D1), the unpaid amount of the mobile terminal 10 is ¥ 0.

  Thereafter, in response to the completion of unsettled processing from the main control unit 1821 of the IC chip 18, the CPU 13 cancels the unsettled flag FLG in the memory 14 (step ST36).

  The processes of steps ST32 to ST36 described above are executed (looped) while the unsettled flag FLG is set (step ST37).

  On the other hand, in step ST32, when the mobile terminal 10 is located at a B point (may be a D point) outside the service area (NO), the process of step ST32 is resumed.

  Assume that the user uses the electronic money function at a point C outside the service area to make a payment such as product purchase. The settlement process at this time will be described with reference to FIG.

  FIG. 11 is a flowchart showing an operation when the mobile terminal according to the present embodiment performs a payment process.

  When the user holds the portable terminal 10 over the reader / writer 40, the IC chip antenna 19 starts communication with the reader / writer 40 (step ST41).

  The discrimination processing unit 131 of the CPU 13 refers to the main deposit balance information DAT1 in the IC chip memory 181 and discriminates whether or not the settlement amount is less than the main deposit balance amount (step ST42).

  In step ST42, when the settlement amount is less than the main deposit balance amount (including the case where the settlement amount and the main deposit balance amount are the same) (YES), the addition / subtraction processing unit 1822 performs the main deposit balance information DAT1. The settlement amount is subtracted from the actual deposit balance amount (step ST43).

  The reader / writer 40 transmits the payment amount received from the IC chip antenna 19 to the host device 30. When receiving the payment amount from the reader / writer 40, the host device 30 charges the payment amount as a collection fee.

  When the main control unit 1821 receives a payment completion signal from the host device 30 via the reader / writer 40, the main control unit 1821 outputs the completion of payment to the CPU 13, and the CPU 13 displays the fact on the display unit 15 (step ST44). .

  On the other hand, in step ST42, when the settlement amount exceeds the deposit balance amount (NO), the main control unit 1821 outputs a settlement failure message to the CPU 13, and the CPU 13 displays the fact on the display unit 15. (Step ST45).

  As described above, provisional payment processing (steps ST11 to ST16) is performed in advance, so that even if the mobile terminal 10 is located outside the service area, payment is made to the terminal without being connected to the network (steps ST21 to ST21). ST212).

  Unsettled processing (steps ST31 to ST37) is executed in the background when the mobile terminal 10 is located outside the service area. Furthermore, the authentication process performed when the mobile terminal 10 is connected to the host device 30 is executed when the mobile terminal 10 is located outside the service area. Therefore, there is an advantage that the deposit process can be executed at high speed.

  Next, the operation of the payment system 1 according to another embodiment of the present invention will be described with reference to FIG.

  FIG. 12 is a flowchart illustrating an operation example of the payment system according to another embodiment.

  First, communication between the portable terminal 10 and the reader / writer 40 as a settlement side terminal is started (step ST51).

  Next, the discrimination processing unit 131 of the CPU 13 discriminates whether or not the settlement amount exceeds the balance amount due to the main deposit (main deposit balance amount) (step ST52).

  If the payment amount does not exceed the final deposit balance in step ST52 (YES), the payment is possible because the payment is possible (step ST53).

  Next, the user and the host apparatus 30 are notified of the final deposit balance information DAT1 and the temporary deposit balance information DAT2 of the temporary deposit balance amount after settlement and a notification that the settlement has been completed (step ST54). . Thereafter, a series of processing ends.

  If communication between the mobile terminal 10 and the host device 30 is impossible, the above notification is made after the mobile terminal 10 enters the area, and the host / terminal device 30 is notified from the reader / writer 40. There are cases, but both can be adopted.

  On the other hand, in step ST52, when the settlement amount exceeds the main deposit balance amount (NO), the determination processing unit 131 of the CPU 13 calculates the total balance amount obtained by summing the temporary deposit balance amount and the main deposit balance amount. Then, it is determined whether or not the settlement amount has exceeded (step ST55).

  In step ST55, when the payment amount exceeds the total balance amount (NO), the user is notified of the payment failure (step ST56), and the series of processing ends.

  On the other hand, in step ST55, when the settlement amount does not exceed the total balance amount (YES), the addition / subtraction processing unit 1822 subtracts the predetermined amount from the temporary deposit balance amount and adds the predetermined amount to the main deposit balance amount. (Step ST57).

  The predetermined amount may be an amount obtained by subtracting the final deposit balance from the settlement amount, that is, an insufficient amount, or may be an amount specified by the user within a range from the insufficient amount to the temporary deposit balance amount. .

  Thereafter, a settlement process is performed to settle the settlement amount from the final deposit amount after the addition process (step ST58).

  Next, the balance information of the final deposit balance amount and the temporary deposit balance amount after settlement and notification that the settlement has been completed are made to the user and the host device 30 (step ST54), and the series of processing ends.

  When communication between the mobile terminal 10 and the host device 30 is impossible, the above-mentioned notification is made after the mobile terminal 10 enters the area, and the case where the reader / writer 40 notifies the host terminal 30. However, both can be used.

  By the way, in the above-described embodiment, the case where the addition / subtraction process is performed with respect to the operation of the payment process has been described. However, regardless of the payment process, the predetermined amount is subtracted from the temporary deposit balance amount alone in the mobile terminal 10, It is also possible to perform addition / subtraction processing for adding a predetermined amount to the balance amount. As a result, the deposit balance can be increased at will.

  In this case, the mobile terminal 10 notifies the host device 30 that the main deposit balance amount and the temporary deposit balance amount after the addition / subtraction processing and the addition / subtraction processing have been executed. The predetermined amount in this case may be any amount as long as it does not exceed the provisional deposit balance, unlike the settlement.

  Temporary deposits as deposits are not used until they are settled, which is advantageous for the user.

  In the present embodiment, a temporary deposit process is performed in advance so that payment can be made even if the mobile terminal 10 is located outside the service area. However, the deposit process after the temporary deposit process is selectively executed regardless of the out of service area. can do. For example, if it is assumed that a shortage will occur at the time of settlement, the present embodiment can be used like a credit card if the temporary deposit process is executed before settlement.

  In the portable terminal according to the present embodiment, all the functions of the components of the IC chip 18 may be realized by software, or a part thereof may be realized by hardware. For example, the data processing in the IC chip 18 may be realized on a computer by one or a plurality of programs, or at least a part thereof may be realized by hardware.

  In the present embodiment, a mobile phone is exemplified as the mobile terminal, but the present invention can also be applied to a PDA (Personal Digital Assistant), a game machine, or the like having the same configuration as that of the present embodiment.

It is a system diagram showing an example of a payment system according to the present embodiment. It is a block diagram which shows the structural example of the host apparatus which concerns on this embodiment. It is an external view which shows an example of the reader / writer concerning this embodiment. It is a block diagram which shows the structural example of the portable terminal which concerns on this embodiment. It is a block diagram which shows the detailed structural example of the IC chip which concerns on this embodiment. It is a figure which shows the example of an external appearance of the portable terminal which concerns on this embodiment. It is a figure of an example which shows the flow of the electronic money which concerns on this embodiment. It is a flowchart which shows operation | movement when the portable terminal which concerns on this embodiment carries out temporary payment. It is a flowchart which shows operation | movement when the portable terminal which concerns on this embodiment deposits. It is a flowchart which shows operation | movement when the portable terminal which concerns on this embodiment performs a payment process. It is a flowchart which shows operation | movement when the portable terminal which concerns on this embodiment performs a payment process. It is a flowchart which shows the operation example of the payment system which concerns on other embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Payment system, 10 ... Portable terminal, 11 ... Antenna, 12 ... Radio | wireless part, 13 ... CPU, 14 ... Memory, 15 ... Display part, 16 ... Operation part, 17 ... Sound processing part, 17a ... Speaker, 17b ... Microphone 18 ... IC chip, 19 ... IC chip antenna, 20 ... base station, 30 ... host device, 31 ... host communication unit, 32 ... host processing unit, 33 ... host memory, 40 ... reader / writer, 50 ... network, DESCRIPTION OF SYMBOLS 100 ... Upper housing | casing, 101 ... Lower housing | casing, 102 ... Hinge part, 131 ... Discrimination processing part, 181 ... IC chip memory, 182 ... IC chip control part, 1821 ... Main control part, 1822 ... Addition / subtraction processing part, DAT1 ... Real deposit balance information, DAT2 ... Temporary deposit balance information, DAT3 ... Unprocessed money information, FLG ... Unsettled flag

Claims (6)

A portable terminal, a host device, and a payment terminal;
The portable terminal is
A terminal-side storage unit that stores temporary deposit balance information related to the temporary deposit balance amount due to temporary deposit and permanent deposit balance information related to the final deposit balance amount due to final deposit;
An addition / subtraction processing unit for subtracting a predetermined amount from the provisional deposit balance amount in the terminal-side storage unit and performing addition / subtraction processing to add a predetermined amount to the main deposit balance amount in the terminal-side storage unit;
A terminal-side payment processing unit capable of the payment processing within a range in which the payment amount does not exceed the amount of the final deposit amount at the time of payment;
A terminal-side communication unit that notifies the host device of the temporary deposit balance information and the final deposit balance information after the addition / subtraction process or the settlement process;
The host device is
A host-side communication unit that receives the notification from the mobile terminal;
Based on the notification, a host-side storage unit that stores the temporary deposit balance information and the final deposit balance information after the addition / subtraction process or the settlement process,
The payment side terminal
A payment system that notifies the payment amount to the terminal-side payment processing unit and receives the payment processing from the terminal-side payment processing unit. The portable terminal is
A determination processing unit for determining whether or not the deposit amount is less than the settlement amount and whether or not a total balance amount obtained by adding the provisional deposit balance amount to the deposit amount is not less than the settlement amount; Have
The addition / subtraction processing unit
When the determination processing unit determines that the deposit amount is less than the settlement amount and the total balance amount is not less than the settlement amount, the deposit amount is subtracted from the settlement amount. An amount that is equal to or greater than the given amount and does not exceed the provisional deposit balance amount as the predetermined amount, and performs the addition / subtraction process on the predetermined amount,
The terminal-side payment processing unit
The payment system according to claim 1, wherein the payment process is executed after the addition / subtraction process of the predetermined amount. The portable terminal is
The settlement system according to claim 2, further comprising: a presentation unit that presents an option as to whether or not to perform addition / subtraction processing of the predetermined amount when the deposit amount is less than the settlement amount. The addition / subtraction processing unit
The settlement system according to claim 1, wherein a user sets a desired predetermined amount within a range of the temporary deposit balance amount. The addition / subtraction processing unit
The settlement system according to any one of claims 1 to 4, wherein the addition / subtraction process is performed even if communication between the terminal-side communication unit and the host-side communication unit is impossible. A mobile device capable of payment processing,
A terminal-side storage unit that stores temporary deposit balance information related to the temporary deposit balance amount due to temporary deposit and permanent deposit balance information related to the final deposit balance amount due to final deposit;
An addition / subtraction processing unit for subtracting a predetermined amount from the provisional deposit balance amount in the terminal-side storage unit and performing addition / subtraction processing to add a predetermined amount to the main deposit balance amount in the terminal-side storage unit;
A terminal-side payment processing unit capable of the payment processing within a range where the payment amount does not exceed the amount of the final deposit amount at the time of payment;
A mobile terminal comprising: a terminal-side communication unit that notifies the host device of the temporary deposit balance information and the final deposit balance information after the addition / subtraction process or the settlement process.

Images