JP3562647B2 - Mobile communication body - Google Patents

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to mobile communications such as so-called mobile phones.On the bodyRelated.
[0002]
[Prior art]
In recent years, mobile communication bodies such as so-called mobile phones have become widespread. In such a mobile communication system using a mobile communication body, the mobile communication body performs wireless communication with a base station, and transmits and receives information such as voice and images to and from another mobile communication body via the base station. Has become.
[0003]
In such a mobile communication system, in the method of collecting a wireless communication service usage fee by the mobile communication body, the service provider adds a usage fee for a predetermined period (for example, one month), and the predetermined period has elapsed. A post-payment method is generally used in which the user is charged for the total usage fee later and collected.
[0004]
However, recently, under the background that mobile communication bodies have become available at very low prices, mobile communication bodies are discarded without paying usage fees, and service providers can not collect usage fees Are occurring frequently.
[0005]
Therefore, a so-called prepaid system, in which a user of a mobile communication body is prepaid for a usage fee by the mobile communication body as a prepaid amount and the usage fee is deducted from the prepaid amount every time the mobile communication body is used, has also become popular. ing.
[0006]
[Problems to be solved by the invention]
However, in the conventional prepaid system, since the base station stores and manages the prepaid amount for each mobile communication body, a large burden is imposed on the base station in a mobile communication system in which a large number of mobile communication bodies join. There was a problem.
[0007]
Also, in view of the information network society that has come recently, instead of the conventional wallet for putting cash, the amount of electronic information is stored in a predetermined card or the like, and various electronic money used for settlement of commercial transactions using the card is stored. A service provision method has been proposed. However, in these various electronic money services, it is necessary to carry the predetermined card or the like in place of the conventional cash-carrying wallet. It doesn't go away when it gets smaller.
[0008]
The present invention has been made in view of the above problems, and a first object of the present invention is to provide a mobile communication system capable of reducing a load on a base station even when a large number of mobile communication bodies join.BodyThe second object of the present invention is to provide a mobile communication system capable of realizing an electronic money service without increasing a user's belongings.BodyTo provide.
[0025]
[Means for Solving the Problems]
In order to achieve the above object, a mobile communication body according to the present invention is a mobile communication body that performs wireless communication via a base station, and a wireless communication unit that performs wireless communication with the base station, and a short-range communication with a terminal. And a short-range communication means for performing a short-distance communication with the terminal when the payment amount to be paid to the store is processed from the electronic money amount. In such a state, in response to the payment amount being input to the mobile communication body or the terminal, the electronic money amount stored in the electronic money amount storage unit is transmitted to the terminal by the short-range communication unit. Then, a new electronic money amount is received from the terminal by the short-range communication means, and the received new electronic money amount is stored by the electronic money amount storage means. It has been madeWhen replenishing a predetermined replenishment amount to the electronic money amount, the replenishment amount is input to the mobile communication body or the terminal in a state where short-range communication with the terminal is possible. Transmitting the electronic money amount stored in the electronic money amount storage means to the terminal by the short-range communication means, receiving a new electronic money amount from the terminal by the short-range communication means, The electronic money amount storage means is configured to store a new electronic money amount.It is characterized by having.
[0026]
According to such a mobile communicator system, since the mobile communicator carried for mobile communication functions as a terminal of the electronic money system, it is possible to realize an electronic money service without increasing the number of portable items of the user. Can be. In addition, the variable amount processing according to the payment processing from the electronic money amount stored in the mobile communication body is performed in a terminal that can access the bank system server, and the mobile communication body alone changes the electronic money amount. Since it is not performed, unauthorized use can be prevented. In addition, since the terminal performs the variable processing of the amount of electronic money, the burden on the financial system server and the like can be reduced, and congestion of communication traffic of the financial system can be reduced. In addition, since the transfer of electronic money by the mobile communication body is performed via short-range communication means, high communication security can be ensured.Further, the user of the mobile communication body makes the terminal accessible to the financial system server and the mobile communication body in a short-distance communication state, and pays a supplementary amount to an administrator of the terminal to perform the management. A person or the like can replenish the electronic money amount of the mobile communication body via the terminal. At this time, since the transfer of the electronic money amount is performed via the short-range communication means, high communication security can be ensured.
[0027]
Further, the mobile communication bodyAre the encrypted electronic money amount and the unencrypted readable electronic money amount.It is desirable to be configured as follows.
[0028]
With this configuration, since the mobile communication body stores the electronic money amount in the readable state and the confidential state together, the mobile communication body cannot independently decode the electronic money amount in the confidential state. . When communicating with the terminal, the terminal compares the amount of readable electronic money stored in the mobile communication body with the amount of concealed electronic money. Since the payment process by the communication body is prohibited, even if the readable electronic money amount is tampered with, it can be detected and fraudulent use of the electronic money of the mobile communication body can be prevented.
[0035]
Further, the mobile communication unit has a password number storage unit that stores a predetermined password number, and a display unit that displays the electronic money amount stored in the electronic money amount storage unit. The electronic money amount stored in the electronic money amount storage means is displayed by the display means only when a number matching the predetermined password number stored in the memory number storage means is input. Is desirable.
[0036]
In this way, the amount of electronic money stored in the mobile communication body can be confirmed only by a legitimate user who knows the password, and the security is enhanced.
[0037]
BEST MODE FOR CARRYING OUT THE INVENTION
FIG. 1 is an explanatory diagram showing an overall schematic configuration of a mobile communication system according to the present invention.
[0038]
The mobile communication system according to the present invention includes a so-called mobile phone 10 which is a mobile communication body, a so-called telephone station system 20 which is a base station for providing a wireless communication service by the mobile phone 10, and a bank which is a financial system. The system includes a system 30, a store network system 40, an encryption key management system 50 for managing encryption keys, and a connector 60 for connecting each system.
[0039]
FIG. 2 is a functional block diagram illustrating an internal configuration of the mobile phone 10.
[0040]
The mobile phone 10 includes a wireless communication unit 11, a wired communication unit 12, a storage unit 13 for storing various information such as a prepaid amount, an electronic money amount, and a recitation number, and a voice input / output unit for a voice call. 14, a keyboard 15 which is an input means for receiving a key operation input from the user, a monitor 16 which outputs information such as characters and images to the user, a speaker 17 which emits a warning sound or the like to the user, Is provided with a prepaid balance check means 18 for checking whether or not is less than a predetermined warning amount, and a control means 19 for integrally controlling various processes in the mobile phones 10.
[0041]
The wireless communication means 11 performs wireless communication with a telephone station terminal 22 of the telephone station system 20 described later, and has an antenna 111.
[0042]
The wired communication unit 12 is connected to a bank terminal 32 of the bank system 30 and a point-of-sale terminal 42 of the store network system 40 by wire, so that the wired communication means 12 is connected to these terminals 32. It performs communication and has a connector 121 for wired connection. The wired communication means 12 may be replaced with a short-range wireless communication means using a laser, an infrared ray, an ultrasonic wave or the like as a medium if communication reliability can be obtained. The same applies to the wired communication means 232, 322, and 422 provided in the function recovery processing terminal 23, the bank terminal 32, and the in-store terminal 42 described later.
[0043]
The storage means 13 is divided into three areas: a normal information storage area 13a, a confidential information storage area 13b, and a hexadecimal information storage area 13c, and various types of information described later extend over one or more of these three areas. Is memorized.
[0044]
The normal information storage area 13a is an area for storing readable information (data) that can be read by code conversion as it is. The information in the area 13a can be read by the main body of the mobile phone 10 alone, and can be displayed to the user if a predetermined condition is satisfied.
[0045]
The confidential information storage area 13b is an area for storing information obtained by encrypting specific information stored in the normal information storage area 13a for the purpose of enhancing security. The information in the area 13b cannot be decrypted by the main body of the mobile phone 10, but can be decrypted only by a bank terminal 32 or the like of the bank system 30, which will be described later, and its contents can be changed.
[0046]
The hexadecimal information storage area 13c is an area where hexadecimal information is stored. The information in this area 13c is difficult for the user to decipher, but can be deciphered by the mobile phone 10.
[0047]
In the three areas, the storage unit 13 includes a prepaid amount storage unit 131, an electronic money amount storage unit 132, a password number storage unit 133, a control information storage unit 134, a personal data storage unit 135, and a user telephone. Book storage unit 136 and the like.
[0048]
The prepaid amount storage unit 131 is provided in each of the normal information storage area 13a and the confidential information storage area 13b, and stores a prepaid amount which is a communication cost for receiving a wireless communication service paid in advance by a user. I have.
[0049]
The electronic money amount storage unit 132 is provided in each of the normal information storage area 13a and the confidential information storage area 13b, and stores the electronic money amount using the mobile phone 10 as an electronic money system terminal.
[0050]
The recitation number storage unit 133 is provided in each of the normal information storage area 13a, the confidential information storage area 13b, and the hexadecimal information storage area 13c, and stores a predetermined recitation number (for example, a four-digit number) set by the user. ing.
[0051]
The control information storage unit 134 is provided in the hexadecimal information storage area 13c, and specifies an encryption key required for the decryption when decrypting the secret information stored in the secret information storage area 13b in the bank terminal 32 or the like. It is used for
[0052]
The personal data storage unit 135 is provided in each of the normal information storage area 13a and the confidential information storage area 13b. The personal data storage unit 135 includes a name, an address, a telephone number, a user confirmation ID data for identifying a user, and a user transaction. The bank account number (user account number), the bank account number (telephone station account number) of the provider of the provider of the wireless communication service using the mobile phone 10, and the electronic money amount of the mobile phone 10 are pooled. The current account number (current account number) of the bank to be executed is stored. Note that the user confirmation ID data is, as described later, whether or not the user of the mobile phone 10 is a true user of the mobile phone 10 when the function of the mobile phone 10 in the function stopped state (locked state) is recovered (unlocked). This is ID data that can be confirmed by an official document such as a driver's license number, for example.
[0053]
The user telephone directory storage unit 136 and the like are provided in the normal information storage area 13a, and store various information such as a destination telephone number registered by the user, similarly to a conventional general mobile phone. I have.
[0054]
The voice input / output means 14 includes a microphone and a speaker for performing a normal telephone call process based on voice information using the mobile phone 10.
[0055]
The keyboard 15 is an input means for a user to input a destination telephone number, various amount information, and the like to the mobile phone 10 by key operation. In the following, the user's input to the mobile phone 10 is performed by the keyboard 15 in principle.
[0056]
The monitor 16 outputs information such as characters and images to the user. Hereinafter, output to the user by the mobile phone 10 is performed by the monitor 16 in principle. The monitor 16 serves as a notifying unit together with the prepaid balance checking unit 18 and the like.
[0057]
The speaker 17 emits a warning sound or the like to the user. The loudspeaker 17 serves as an informing means together with the prepaid balance checking means 18 and the like.
[0058]
The prepaid balance checking means 18 checks whether or not the prepaid amount is equal to or less than a predetermined warning amount during normal call processing by the mobile phone 10, and constitutes a notifying unit. That is, if the prepaid remaining amount checking means 18 finds that the prepaid amount is less than or equal to the predetermined warning amount, the monitor 16 and the speaker 17 warn the user.
[0059]
The control means 19 controls various processes in the mobile phones 10.
[0060]
FIG. 3 is a functional block diagram showing the internal configuration of the telephone station system 20.
[0061]
The central office system 20 includes a central office server 21, a central office terminal 22, a function recovery terminal 23, a central office server 21, a central office terminal 22, and a functional recovery terminal 23. . Are connected to each other. The telephone station system 20 constitutes a base station that provides a wireless communication service to the mobile phone (mobile communication body) 10 as a whole.
[0062]
The telephone station server 21 includes a telephone management data storage unit 211 that stores and manages data such as telephone numbers and ID numbers of the mobile phones 10... And a control unit that controls and controls various processes in the telephone station server 21. 212.
[0063]
The telephone station terminal 22 includes a wireless communication unit 222 having an antenna 221 that performs wireless communication with the mobile phone 10, a decryption unit 223 that decrypts encrypted secret information received from the mobile phone 10, Checking means 224 for checking the normal information received from the mobile phone 10, reduction processing means 225 for reducing the prepaid amount of the normal information received from the mobile phone 10, and regenerating the normal information including the reduced prepaid amount An encryption unit 226 for encrypting confidential information and a control unit 227 for controlling and controlling various processes in the central office 22 are provided.
[0064]
The decryption unit 223 and the encryption unit 226 perform decryption processing of confidential information stored in the mobile phone 10 and encryption processing of normal information based on an encryption key obtained from the encryption key management system 50, as described later. It is supposed to do.
[0065]
The reduction processing means 225 reduces the prepaid amount of the normal information received from the mobile phone 10 at predetermined time intervals based on the preset call unit price information while the mobile phone 10 is performing a normal call, and performs a new prepaid. It asks for an amount.
[0066]
The function recovery processing terminal 23 includes a wired communication unit 232 having a connector 231 for performing wired communication with the mobile phone 10, an input unit 233 that receives an input from a user or a window operator, and an encrypted data received from the mobile phone 10. Decryption means 234 for decrypting the confidential information, encryption means 235 for encrypting the decrypted information into confidential information again, and control means 226 for controlling and controlling various processes in the function recovery processing terminal 22. It has.
[0067]
The decryption means 234 and the encryption means 235 perform decryption processing of confidential information stored in the mobile phone 10 and encryption processing of normal information based on an encryption key obtained from the encryption key management system 50, as described later. It is supposed to do.
[0068]
FIG. 4 is a functional block diagram showing the internal configuration of the bank system 30.
[0069]
The bank system 30 includes a bank server 31, a plurality of bank terminals 32, and a communication line 33 connecting the bank server 31 and the bank terminals 32. This banking system constitutes a financial system as a whole.
[0070]
The bank server 31 stores an account 311 of a telephone station that is a provider of the wireless communication service by the telephone station system 20, an account 312 of a user who uses the mobile phones 10, and the like, and is stored in each mobile phone 10. It has a current account 313 for pooling electronic money amounts and a store account 314 of the store network system 40. Further, the bank server 31 includes a deposit processing unit 315 that performs a deposit process for a predetermined account in response to a deposit process request received via the communication line 33, and another account from a predetermined account in response to the remittance process request. A remittance processing unit 316 for performing a remittance process and a control unit 317 for controlling and controlling various processes in the bank server 31 are provided. This bank server 31 constitutes a financial system server.
[0071]
The bank terminal 32 includes a wired communication unit 322 having a connector 321 for performing wired communication with the mobile phone 10, an input unit 323 for receiving an input from a user or a window operator, and an encryption received from the mobile phone 10. Decrypting means 324 for decrypting the encrypted confidential information, collating means 325 for collating the decrypted information with the normal information received from the mobile phone 10, and increasing the prepaid amount or the electronic money amount of the normal information received from the mobile phone 10. Alternatively, variable-value processing means 326 for reducing the amount of money, encryption means 327 for encrypting the variable-value-processed normal information including the prepaid amount or the electronic money amount again into confidential information, And control means 328 for controlling and controlling the processing. The bank terminal 32 constitutes a terminal accessible to the bank server 31 which is a financial system server.
[0072]
The decryption unit 324 and the encryption unit 327 perform decryption processing of confidential information stored in the mobile phone 10 and encryption processing of normal information based on an encryption key obtained from the encryption key management system 50, as described later. It is supposed to do.
[0073]
FIG. 5 is a functional block diagram showing the internal configuration of the store network system 40.
[0074]
The store network system 40 includes, for example, a system generally referred to as a POS system or the like. The store server system 41 manages and operates the system, and various products and services are provided to users of the mobile phones 10. Are arranged in a store or the like that sells the server, and a communication line 43 connecting the server 41 and the in-store terminals 42. Note that the store network system 40 is a store that conducts business transactions via electronic money in the mobile phone 10.
[0075]
The store server 41 includes a store management data storage unit 411 that manages sales and the like for each store, and a control unit 412 that controls and controls various processes in the store server 31.
[0076]
The point-of-sale terminal 42 is installed at a store or the like of a store, and has a wired communication unit 422 having a connector 421 for performing wired communication with the mobile phones 10. 423, decryption means 424 for decrypting the encrypted confidential information received from the mobile phone 10, collation means 425 for collating the decrypted information with normal information received from the mobile phone 10, and received from the mobile phone 10. Variable amount processing means 426 for increasing or decreasing the prepaid amount or electronic money amount of the normal information, and encryption means 427 for encrypting the variable amount processed normal information including the prepaid amount or electronic money amount again into secret information. An output unit 428 for outputting various information to a user or a window operator; And a control unit 429 which controls and control. The in-store terminal 42 constitutes a terminal accessible to the bank server 31 which is a financial system server.
[0077]
The decrypting means 424 and the encrypting means 427 perform decryption processing of confidential information stored in the mobile phone 10 and encryption processing of normal information based on an encryption key obtained from the encryption key management system 50, as described later. It is supposed to do.
[0078]
FIG. 6 is a functional block diagram showing the internal configuration of the encryption key management system 50.
[0079]
The encryption key management system 50 includes an encryption generation unit 51 that generates a new encryption key at predetermined time intervals, an encryption key storage unit 52 that stores a past encryption key, and an encryption key generated in the past when the encryption key is generated. A search unit 53 for searching the encryption key storage unit 52 on the basis of control information that can specify a password, and a control unit 54 for controlling and controlling various processes in the encryption key management system 50.
[0080]
In the mobile communication system according to this embodiment, the confidential information such as the prepaid amount stored in the mobile phones 10 is encrypted by the encryption key generated by the encryption key management system 50. 10 also stores control information which is information for specifying the encryption key. Therefore, the decryption means 324 of the bank terminal 32 transmits the control signal received from the mobile phone 10 to the encryption key management system 50, thereby receiving the encryption key for decryption from the system 50, Decryption is performed. The encryption means 327 of the bank terminal 32 encrypts various kinds of information to be stored in the mobile phone 10 using the current (latest) encryption key obtained from the encryption key management system 50, and encrypts the information. Control information serving as information for specifying a key is transmitted to the mobile phone 10 and stored therein.
[0081]
Next, procedures of various processes in the present system will be described with reference to FIGS.
[0082]
(1) Normal call processing (Figs. 7 and 8)
FIG. 7 and FIG. 8 show processing procedures performed during a normal telephone call by the mobile phone (mobile communication body) 10.
[0083]
This normal call processing is started when the user inputs a callee telephone number to the keyboard (input means) 15 of the mobile phone 10 and further presses a call start button (step S100). The mobile phone 10 transmits the control information 134, the normal information 13 a, and the confidential information 13 b stored in the storage unit 13 in the mobile phone 10 to the telephone station system (base station) 20 together with the input destination telephone number. (Step S102).
[0084]
Upon receiving the above information (step S104), the central office terminal (terminal) 22 of the central office system 20 transmits the received control information 134 to the encryption key management system 50 (step S106).
[0085]
Upon receiving the control information (step S108), the encryption key management system 50 searches the encryption key storage unit 52 for the encryption key corresponding to the control information (step S110), and stores the encryption key in the telephone station terminal. Is transmitted to the device 22 (step S112).
[0086]
Upon receiving the encryption key (step S114), the telephone center terminal 22 decrypts the confidential information 13b received from the mobile phone 10 using the decryption means 223 using the encryption key (step S116). Then, the normal information 13a received from the server 10 is collated with the information obtained by decrypting the secret information 13b (step S118).
[0087]
If the collation results are inconsistent, it is determined that the information in the mobile phone 10 has been falsified, the line is disconnected, and the function of the mobile phone 10 is stopped (step S120). As a result, the mobile phone 10 is in the locked state, and thereafter, any input by the user is refused, thereby preventing unauthorized use.
[0088]
On the other hand, if the collation results match, the telephone station terminal 22 determines whether or not the caller's connection is requested according to the position of the mobile phone 10 requesting the connection, the callee's position, the call mode used, and the time. The unit price is calculated (step S122), and the call is permitted via the telephone station (base station) of the call destination (step S124). As a result, the mobile phone 10 enters the talking state.
[0089]
Subsequently, the central office terminal 22 determines whether or not the prepaid amount 131 obtained from the calling mobile phone 10 is 0 (step S126), and disconnects the call if it is 0.
[0090]
On the other hand, when the prepaid amount 131 is not 0, the prepaid amount 131 in the normal state 13a is reduced by the reduction processing means 225 according to the call unit price to obtain a new prepaid amount 131 (step S130). The current encryption key request is transmitted to the encryption key management system 50 (step S132).
[0091]
Upon receiving the request (step S134), the encryption key management system 50 obtains the current encryption key and the current control information from the encryption key storage means 52 by the search means 53 and transmits them to the central office 22 (step S136). .
[0092]
Upon receiving the current encryption key and the current control information (step S138), the telephone office terminal 22 encrypts the new ordinary information 13a with the prepaid amount 131 reduced by the encryption means 226 using the received current encryption key. Process (step S140), together with the new confidential information 13b encrypted in this way, the normal information 13a from which the confidential information 13b is based, and the current secret key corresponding to the current encryption key used for the encryption process of the confidential information 13b. Is transmitted to the mobile phone 10 (step S142). Note that this transmission is performed while the mobile phone 10 is talking. However, since the information communication is performed in a very short time, there is no problem in normal voice communication.
[0093]
Upon receiving the information (step S144), the mobile phone 10 stores the received information in the storage unit 13 in the mobile phone 10 (step S146). Then, of the received normal information 13a, the prepaid balance check means 18 determines whether the prepaid amount 131 is not less than a predetermined amount (step S148). Then, the user is notified that the remaining amount of the prepaid amount 131 is small and the call will be disconnected soon by displaying a warning on the monitor 16 and generating a warning sound on the speaker 17 (step S150).
[0094]
On the other hand, the telephone station terminal 22 manages the call time of the mobile phone 10, and repeatedly determines whether or not the call time has exceeded the time corresponding to the call unit price (step S152). When the corresponding time has elapsed, the flow returns to step S126 to further reduce the prepaid amount 131 by the reduction processing unit 225.
[0095]
Thus, the communication state of the mobile phone 10 is maintained until the prepaid amount 131 becomes 0 or the user requests the mobile phone 10 to disconnect the line (step S154).
[0096]
(2) Replenishment of prepaid amount by cash payment (Figs. 9 and 10)
FIG. 9 and FIG. 10 show a processing procedure in a case where the prepaid amount 131 of the mobile phone 10 is replenished through the in-store terminal 42 by paying cash at the store.
[0097]
In the replenishment processing of the prepaid amount 131 with cash, the user places the mobile phone 10 near the store terminal 42 in advance, and the wired communication means (short-range communication means) 12, 422 between the mobile phone 10 and the store terminal 42. Is a precondition for connecting the connectors 121 and 421 of the two to make them communicable. In this state, the user requests via the keyboard (input means) 15 that the prepaid amount 131 is to be replenished by cash payment to the mobile phone 10, and the mobile phone 10 accepts the request, whereby the prepaid cash payment is performed. The replenishment process of the amount 131 is started (step S200).
[0098]
The mobile phone 10 transmits the control information 134, the normal information 13a, and the confidential information 13b stored in the storage unit 13 in the mobile phone 10 to the store terminal 42 together with the request for the prepaid amount replenishment process (step S202).
[0099]
After the store terminal 42 receives the above information (step S204), a series of processing (steps S206 to S220) until the received normal information 13a and the confidential information 13b are collated is the same as the normal call processing described above. The process is the same as a series of processes (steps S104 to S120) performed by the telephone station terminal 22 and the encryption key management system 50, and thus the description thereof will not be repeated.
[0100]
If the comparison result between the received normal information 13a and the confidential information 13b matches (to the matching side in step S218), the replenishment amount paid by the user of the mobile phone 10 at the store is equal to the terminal operator of the store terminal 42. Is input to the input means 423 of the in-store terminal 42 (step S222).
[0101]
When the replenishment amount is input, the store terminal 42 obtains the account number of the telephone office account 311 from the personal data 135 received from the mobile phone 10 and matches the account number of the store account 314 of the store terminal 42. The bank system 30 (accurately, the bank server 31) to which the remittance process should be requested is specified, and a request for the remittance of the replenishment amount from the store account 314 to the telephone office account 311 is issued to the bank system 30 (accurately, the bank server 31) (step S224).
[0102]
When the bank server 31 receives the request (step S226), the remittance processing means 316 performs the remittance processing of the replenishment amount from the store account 314 to the telephone office account 311 (step S228). The notification is transmitted to the store terminal 42 (step S230).
[0103]
Upon receipt of the notification (step S232), the point-of-sale terminal 42 increases the prepaid amount 131 in the normal state 13a by the replenishment amount by the variable amount processing means 426 (step S234).
[0104]
Thereafter, the point-of-sale terminal 42 obtains the current encryption key, encrypts the ordinary information 13a in which the prepaid amount 131 has been increased, transmits the information to the mobile phone 10, and stores the information in the mobile phone 10 which has received the information. The series of processing (steps S236 to S250) stored in the means 13 includes the series of processing (steps S132 to S146) performed by the telephone station terminal 22, the encryption key management system 50, and the mobile phone 10 in the above-described normal call processing. The description is omitted because it is the same.
[0105]
When these series of processes are completed, the store terminal 42 transmits a process completion notification to the mobile phone 10 (step S252), and the mobile phone 10 receives the process completion notification. The connection is released from the terminal 42 (step S254), the connection of the connectors 121 and 421 is released, and the replenishment processing of the prepaid amount 131 by cash payment ends.
[0106]
The replenishment processing of the prepaid amount 131 by cash payment can be performed through the bank terminal 32 of the bank system 30 in the same manner as the case where the processing is performed through the in-store terminal 42 described above. In this case, the cash paid by the user is directly deposited into the bank (to the bank system side), so that the deposit processing of the replenishment amount to the telephone station account 311 is performed by the deposit processing means 315 provided in the bank server 31.
[0107]
(3) Replenishment processing of prepaid amount by account transfer (Figs. 11 and 12)
FIG. 11 and FIG. 12 show a processing procedure in the case where the prepaid amount 131 of the mobile phone 10 is replenished by the account transfer processing from the deposit of the user's bank account (user account 312) via the store terminal 42. I have.
[0108]
In the replenishment process of the prepaid amount 131 by the account transfer, the user places the mobile phone 10 near the store terminal 42 in advance, and the wired communication means (short-range communication means) 12 between the mobile phone 10 and the store terminal 42. , 422 are connected so that they can communicate with each other.
[0109]
In this state, the user requests the mobile phone 10 to perform the replenishment processing of the prepaid amount 131 by account transfer, and the mobile phone 10 accepts the request, thereby starting the replenishment processing of the prepaid amount 131 by account transfer. (Step S300).
[0110]
The mobile phone 10 transmits the control information 134, the normal information 13a, and the confidential information 13b stored in the storage unit 13 in the mobile phone 10 to the store terminal 42 together with the request for the prepaid amount replenishment process (step S302).
[0111]
After the store terminal 42 receives the above information (step S304), a series of processing (steps S306 to S320) until the received normal information 13a and the confidential information 13b are collated is the same as the normal call processing described above. The process is the same as a series of processes (steps S104 to S120) performed by the telephone station terminal 22 and the encryption key management system 50, and thus the description thereof will not be repeated.
[0112]
If the comparison result between the received normal information 13a and the confidential information 13b matches (to the matching side in step S318), the replenishment amount to be replenished to the prepaid amount 131 by the account transfer from the user account 312 is equal to the mobile phone 10 Is input to the input means 423 of the in-store terminal 42 (step S322).
[0113]
When the replenishment amount is input, the in-store terminal 42 obtains the account number of the telephone station account 311 and the account number of the user account 312 as the user's account from the personal data 135 received from the mobile phone 10, and transfers the money. The bank system 30 (accurately, the bank server 31) to which the processing should be requested is specified, and the request for the process of remitting the replenishment amount from the user account 312 to the telephone station account 311 is issued to the bank system 30 (accurately, the bank server 31). ) (Step S324).
[0114]
Upon receiving the request (step S326), the bank server 31 determines whether the balance of the user account 312 is equal to or greater than the replenishment amount (step S328). If the balance of the user account 312 is insufficient, Then, a notification that the remittance processing corresponding to the request is impossible is transmitted to the store terminal 42 (step S330).
[0115]
Upon receipt of the notification (step S332), the in-store terminal 42 stops the procedure for replenishing the prepaid amount 131 by account transfer (step S334), and ends the procedure.
[0116]
On the other hand, if the balance of the user account 312 is equal to or greater than the replenishment amount, the bank server 31 performs remittance processing of the replenishment amount from the user account 312 to the telephone station account 311 by the remittance processing means 316 (step S336). A notification that the remittance processing has been completed is transmitted to the in-store terminal 42 (step S338).
[0117]
When the store terminal 42 receives the notification (step S340), the variable amount processing means 426 increases the prepaid amount 131 in the normal state 13a by the replenishment amount (step S342).
[0118]
Thereafter, the point-of-sale terminal 42 obtains the current encryption key, encrypts the ordinary information 13a in which the prepaid amount 131 has been increased, transmits the information to the mobile phone 10, and stores the information in the mobile phone 10 which has received the information. The series of processing (steps S344 to S358) stored in the means 13 includes the series of processing (steps S132 to S146) performed by the telephone station terminal 22, the encryption key management system 50, and the mobile phone 10 in the above-described normal call processing. The description is omitted because it is the same.
[0119]
When these series of processes are completed, the store terminal 42 transmits a processing completion notification to the mobile phone 10 (step S360), and the mobile phone 10 receives the process completion notification. The connection is released from the terminal 42 (step S362), the connection of the connectors 121 and 421 is released, and the replenishment processing of the prepaid amount 131 by the account transfer is completed.
[0120]
The replenishment process of the prepaid amount 131 by the account transfer can be performed via the bank terminal 32 of the bank system 30 in the same manner as the case where the replenishment is performed via the in-store terminal 42 described above.
[0121]
(4) Prepaid amount confirmation processing by user (FIG. 13)
FIG. 13 shows a processing procedure when the user checks the prepaid amount 131 stored in the mobile phone 10.
[0122]
The confirmation processing of the prepaid amount 131 by the user is performed by the user requesting the display of the prepaid amount 131 on the mobile phone 10 via the keyboard (input means) 15 and receiving the request. Is started (step S400).
[0123]
The mobile phone 10 requests the user to input a recite number through display on the monitor (output means) 16 (step S402). If the user inputs the recite number on the keyboard 15 (step S404), the mobile phone 10 10 checks the input recitation number against the readable recitation number 133 stored in the normal information area 13a of the storage unit 13 (step S406).
[0124]
If the collation results match, the mobile phone 10 converts the input recite number into a hexadecimal value (step S408), and further stores the input recite number converted in this way and the hexadecimal information area 13c of the storage unit 13. The stored recite number 133 is collated (step S410).
[0125]
If the collation results match, the mobile phone 10 reads the prepaid amount 131, which is the confirmation item requested by the user, from the normal storage area 13a of the storage means and displays it on the monitor 16 (step S412). Then, the user confirms the prepaid amount 131, and if a button corresponding to the end operation is pressed on the keyboard 15 (step S414), the display is deleted and the confirmation processing ends (step S416).
[0126]
On the other hand, if any of the two-stage collation results do not match, the mobile phone 10 determines whether or not the number of collation is equal to or less than a predetermined number (for example, three times) (step S418). If so, the process returns to step S402 to prompt the user to input a recitation number.
[0127]
If the number of verifications exceeds the predetermined number, it is determined that the operation is performed by an unauthorized user who does not know the password, or that the information in the storage unit 13 has been falsified, and the function of the mobile phone 10 is stopped (step S420). ). As a result, the mobile phone 10 is in the locked state, and thereafter, any input by the user is refused, thereby preventing unauthorized use.
[0128]
In addition, by the same procedure as the above processing, the electronic money amount 132 and the like stored in the mobile phone 10 can be confirmed only by the authorized user.
[0129]
(5) Releasing processing of the function stop (lock) state for the mobile phone (FIGS. 14 and 15) FIGS. The processing procedure for releasing the function stop (lock) state by the function recovery terminal 23 is shown.
[0130]
In the process of releasing the function stop (lock) state for the mobile phone, the user previously positions the mobile phone 10 near the function recovery processing terminal 23, and the wired communication means ( A precondition is that the connectors 121 and 231 of the short-range communication means 12 and 232 are connected so that they can communicate with each other.
[0131]
In this state, first, the function recovery processing terminal 23 requests the user to input a recitation number through the output unit 428 (step S500). Upon receiving the recite number input by the user through the input means 233 (step S502), the function recovery processing terminal 23 requests the mobile phone 10 for the control information 134, the normal information 13a, and the confidential information 13b. It transmits (step S504).
[0132]
In response to the request, the mobile phone 10 transmits the control information 134, the normal information 13a, and the confidential information 13b to the function recovery processing terminal 23 (Step S506).
[0133]
After the function recovery processing terminal 23 receives the above information (step S508), a series of processing (steps S510 to S520) until the received confidential information 13b is decrypted is performed by the telephone station terminal in the above-described normal call processing. The processing is the same as the series of processing performed by the device 22 and the encryption key management system 50 (steps S104 to S116), and thus redundant description is omitted.
[0134]
The function recovery processing terminal 23 that has decrypted the confidential information 13b checks the password input by the user against the password 133 obtained by decrypting the confidential information 13b (step S522). It is determined that the user requesting recovery is not a legitimate user of the mobile phone 10, and the function recovery process is stopped (step S524). Thereby, the locked state of the mobile phone 10 is maintained, and unauthorized use is prevented.
[0135]
On the other hand, if the input password and the password 133 obtained by decrypting the secret information 13b match, the function recovery processing terminal 23 uses the personal data 135 obtained by decrypting the secret information 13b to identify the user. The ID for confirmation is obtained and displayed on the display means 236, and a confirmation is requested to the window operator (step S526).
[0136]
The window operator checks the identity verification document such as a driver's license indicated by the user with the identity verification ID displayed on the display unit 236 to determine whether the user is a legitimate user. Is input to the input means 233.
[0137]
In response to the input indicating the confirmation result by the window operator (step S528), the function recovery processing terminal 23 determines whether the window operator is not a legitimate user. Is not a legitimate user of the mobile phone 10, and stops the function recovery process (step S524). Thereby, the locked state of the mobile phone 10 is maintained, and unauthorized use is prevented.
[0138]
On the other hand, when an input is made to determine that the window operator is an authorized user, the function recovery processing terminal 23 obtains the current encryption key and converts the normal information decrypted from the confidential information 13b as described above. A series of processes (steps S532 to S546) performed by encrypting and transmitting each piece of information to the mobile phone 10 and storing the pieces of information in the storage unit 13 by the mobile phone 10 receiving these pieces of information are performed by the telephone station in the above-described normal call processing. Since the process is the same as the series of processes (steps S132 to S146) performed by the terminal 22, the encryption key management system 50, and the mobile phone 10, the duplicate description will be omitted.
[0139]
If new information in which the normal information 13a and the confidential information 13b match are stored in the mobile phone 10, the function recovery terminal 23 issues a permission command to the mobile phone 10 to release the function stop (lock) state. The mobile phone 10 that has transmitted (step S548) and received this cancels the function stop (lock) state, and thereafter returns to the normal state in which various inputs by the user are accepted.
[0140]
When a series of processing is completed in this way, the function recovery terminal 23 transmits a notification of the completion of the treatment to the mobile phone 10 (step S552),
When the series of processing is completed, the function recovery processing terminal 23 transmits a processing completion notification to the mobile phone 10 (step S552), and the mobile phone 10 receives the processing completion notification. The terminal is released from the recovery processing terminal 23 (step S554), the connection of the connectors 121 and 231 is released, and the processing of releasing the function stop (lock) state for the mobile phone 10 ends.
[0141]
(6) Payment processing by electronic money (FIGS. 16 to 18)
FIGS. 16 to 18 show a processing procedure in the case where a user who has made a purchase at a store pays by electronic money in the mobile phone 10 via the store terminal 42 installed at the store. .
[0142]
In the payment process using the electronic money, the user previously positions the mobile phone 10 near the point-of-sale terminal 42, and the wired communication means (short-range communication means) 12, 422 between the mobile phone 10 and the point-of-sale terminal 42 has A prerequisite is that the devices 121 and 421 are connected so that they can communicate with each other.
[0143]
In this state, the user requests the mobile phone 10 to perform a payment process using electronic money by inputting it to the keyboard (input means) 15 of the mobile phone 10, and the mobile phone 10 accepts the request to make an electronic payment. Payment processing by money is started (step S600).
[0144]
The mobile phone 10 transmits the control information 134, the normal information 13a, and the confidential information 13b stored in the storage unit 13 in the mobile phone 10 to the store terminal 42 together with the payment request by the electronic money (step S602).
[0145]
After the store terminal 42 receives the above information (step S604), a series of processing (steps S606 to S620) until the received normal information 13a and the confidential information 13b are collated is the same as the normal call processing described above. The process is the same as a series of processes (steps S104 to S120) performed by the telephone station terminal 22 and the encryption key management system 50, and thus the description thereof will not be repeated.
[0146]
If the matching result between the received normal information 13a and the confidential information 13b matches (to the matching side in step S618), the in-store terminal 42 requests the user to use the output unit 4248 for a password number (step S622). ), If the recite number input to the input means 423 is received (step S624), the store terminal 42 checks the input recite number against the recite number 133 received from the mobile phone 10 (step S626). ).
[0147]
If the collation results are inconsistent, it is determined that the user who is going to make the payment is not an authorized user of the mobile phone 10, and the payment processing procedure using the electronic money is stopped (step S628).
[0148]
On the other hand, if the collation results match, the point-of-sale terminal 42 requests the clerk to input the payment amount to be paid by the user through the output unit 428 (step S630), and the payment amount input to the input unit 423. Is received (step S632), the point-of-sale terminal 42 determines whether the electronic money amount 132 received from the mobile phone 10 is equal to or greater than the input payment amount, that is, whether payment is possible. If the payment is not possible (step S634), it is notified that the remaining amount of the electronic money is insufficient, and the payment processing by the electronic money is ended.
[0149]
On the other hand, if payment is possible, the output unit 428 requests the user to confirm the payment amount (step S638). As a result of this confirmation, if the user refuses the payment (NO in step S640), the payment processing procedure using electronic money is terminated (step S642).
[0150]
If the result of the user's confirmation is OK (YES in step S640), the in-store terminal 42 uses the personal data received from the mobile phone 10 to check the account of the current account 313 of the bank where the electronic money of the mobile phone 10 is pooled. Together with the account number of the store account 314 of the in-store terminal 42, the bank system 30 (accurately, the bank server 31) to request the remittance processing is specified, and the payment amount is transferred from the checking account 313 to the store account 314. A request for the process of remittance is sent to the bank system 30 (accurately, the bank server 31) (step S644).
[0151]
When the bank server 31 receives the request (step S646), the remittance processing means 316 performs remittance processing of the payment amount from the checking account 313 to the store account 314 (step S648), and notifies that the remittance processing has been completed. Is transmitted to the in-store terminal 42 (step S650).
[0152]
When the store terminal 42 receives the notification (step S652), the variable amount processing means 426 performs a reduction process of subtracting the electronic money amount 132 in the normal state 13a by the payment amount (step S654).
[0153]
Thereafter, the point-of-sale terminal 42 obtains the current encryption key, encrypts the ordinary information 13a in which the electronic money amount 132 has been reduced, transmits each piece of information to the mobile phone 10, and further receives the information. The series of processing (steps S656 to S670) stored in the storage unit 13 is a series of processing (steps S132 to S146) performed by the telephone station terminal 22, the encryption key management system 50, and the mobile phone 10 in the above-described normal call processing. The description is omitted here.
[0154]
When these series of processes are completed, the store terminal 42 transmits a processing completion notification to the mobile phone 10 (step S672), and the mobile phone 10 receives the process completion notification. The connection is released from the terminal 42 (step S674), the connection of the connectors 121 and 421 is released, and the payment processing by the electronic money ends.
[0155]
(7) Replenishment processing of electronic money amount by cash payment (FIGS. 19 and 20)
FIG. 19 and FIG. 20 show a processing procedure in the case where cash is paid at a store to replenish the electronic money amount of the mobile phone 10 via the store terminal 42.
[0156]
A series of steps (steps S700 to S754) of the replenishment process of the electronic money amount 132 by cash payment (steps S700 to S754) is a series of processing steps (steps S200 to S200) in the above-described replenishment process of the prepaid amount 131 by cash payment shown in FIGS. In S254), since the same processing procedure is used simply by replacing the prepaid amount 131 with the electronic money amount 132, a duplicate description will be omitted.
[0157]
The replenishment process of the electronic money amount 132 by cash payment can be performed via the bank terminal 32 of the bank system 30 in the same manner as the case where the process is performed via the in-store terminal 42 described above. In this case, the cash paid by the user is directly deposited into the bank (to the bank system side), so that the deposit processing of the replenishment amount to the telephone station account 311 is performed by the deposit processing means 315 provided in the bank server 31.
[0158]
(8) Replenishment processing of electronic money amount by account transfer (FIGS. 21 and 22)
FIGS. 21 and 22 show a processing procedure when the electronic money amount 132 of the mobile phone 10 is replenished by the account transfer processing from the deposit of the user's bank account (user account 312) via the in-store terminal 42. ing.
[0159]
A series of procedures (steps S800 to S862) of the replenishment process of the electronic money amount 132 by the account transfer is a series of steps (steps S300 to S862) in the replenishment process of the prepaid amount 131 by the account transfer shown in FIGS. In S362), since the same processing procedure is used only by replacing the prepaid amount 131 with the electronic money amount 132, the duplicate description is omitted.
[0160]
Note that the replenishment process of the electronic money amount 132 by the account transfer can be performed through the bank terminal 32 of the bank system 30 in the same manner as the case where the process is performed through the in-store terminal 42 described above.
[0161]
According to the mobile communication system configured as described above, the prepaid amount 131 paid in advance as the wireless communication cost of the mobile phone 10 is stored in the mobile phone 10 instead of in the telephone station system 20 side. Even when a large number of mobile telephones 10 subscribe to 20, the burden on the telephone station system 20 can be reduced.
[0162]
The reduction processing of the prepaid amount 131 during a call is performed by the telephone station terminal 22 of the telephone station system 20. The processing of increasing the prepaid amount 131 during the replenishment processing of the prepaid amount 131 is performed by the bank terminal of the bank system 30. The mobile phone 10 is not configured to change the prepaid amount 131 by itself, so that unauthorized use can be prevented.
[0163]
In addition, since the variable amount processing of the prepaid amount 131 is performed by the bank terminal 32 or the in-store terminal 42, the burden on the bank server 31 and the store server 41 of the store network system 40 is reduced, and the communication traffic of these systems is congested. Can be reduced.
[0164]
Furthermore, the mobile phone 10 stores the prepaid amount 131 of the normal information 13a in the readable state and the prepaid amount of the confidential information 13b in the encrypted state together, and the mobile phone 10 stores the prepaid amount 131 in the concealed state alone. Can't decipher. During a call, the telephone station terminal 22 of the telephone station system 20 stores the prepaid amount 131, the bank terminal 32 of the bank system 30 or the store terminal 42 of the store network system 40 stores the replenishment amount 131. The readable prepaid amount 131 is compared with the confidential prepaid amount 131. If the collation results do not match, the function of the mobile phone 10 is stopped and locked, so that the Even if the prepaid amount 131 has been tampered with, it can be detected and fraudulent use of the mobile phone 10 can be prevented.
[0165]
In addition, the telephone station terminal 22 of the telephone station system 20 performs a reduction process of the prepaid amount 131 every time the communication cost of the wireless communication by the mobile phone 10 reaches a predetermined amount. Even if the state is interrupted, the communication cost until immediately before the accident occurs can be reliably collected.
[0166]
Also, during the wireless communication, the prepaid balance checking means 18 of the mobile phone 10 checks the remaining balance of the prepaid amount 131 and notifies the user if the remaining amount is less than the predetermined amount, so that the user is disconnected soon. This can be known in advance, and the communication is prevented from being suddenly disconnected when the prepaid amount 131 becomes zero.
[0167]
Further, according to such a mobile communication system, a user (user) of the mobile phone 10 is able to access the bank server (financial system server) 31 with a bank terminal 32 or an in-store terminal 42 and the mobile phone 10. Is connected to a connector to enable short-range communication, so that a replenishment amount is paid by cash or the like to an administrator of the terminals 32, 42, or the bank system 30 is connected via the terminals 32, 42. The prepaid amount 131 of the mobile phone 10 can be replenished from the user's account 312 in the user.
[0168]
At this time, since the transmission and reception of the prepaid amount 131, which is electronic money, is performed via a wired short-range communication means (wired communication means) by connector connection, high communication security can be ensured.
[0169]
In addition, the prepaid amount 131 stored in the mobile phone 10 is configured to be able to be confirmed only when a legitimate user (user) who knows the recite number inputs the correct recite number into the mobile phone 10. Thus, high security of the prepaid amount 131 information stored in the mobile phone can be obtained.
[0170]
Further, according to such a mobile communication system, the mobile phone 10 carried for mobile communication functions as a terminal of the electronic money system, thereby realizing an electronic money service without increasing the user's belongings. can do.
[0171]
The payment processing from the electronic money amount 132 stored in the mobile phone 10 and the variable amount processing in accordance with the amount replenishment processing to the electronic money amount 132 are performed by a bank that can access the bank server 31 of the bank system 30. This is performed in the terminal 32 or the in-store terminal 42, and the mobile phone 10 does not independently change the electronic money amount 132, so that unauthorized use can be prevented.
[0172]
In addition, since the variable amount processing of the electronic money amount 132 in the mobile phone 10 is performed by the bank terminal 32 or the in-store terminal 42, the burden on the bank server 31 of the bank system 30, the store server 41 of the store network system 40, and the like is reduced. In addition, congestion of communication traffic of these systems can be reduced.
[0173]
Further, the mobile phone 10 stores the electronic money amount 132 of the normal information 13a in the readable state and the electronic money amount 32 of the confidential information 13b in the encrypted state together, so that the mobile phone 10 alone can store the electronic money in the secret state. The money amount 132 cannot be decrypted. At the time of the payment processing and the money replenishment processing using the electronic money amount 132, the bank terminal 32 of the bank system 30 or the point-of-sale terminal 42 of the store network system 40 stores the electronic money amount in the readable state stored in the mobile phone 10. 132 is compared with the confidential electronic money amount 132, and if the collation results do not match, the function of the mobile phone 10 is stopped and locked, so that the readable electronic money amount 132 is tampered with. However, it is possible to detect this and prevent unauthorized use of the mobile phone 10 before it occurs.
[0174]
Further, according to such a mobile communication system, a user (user) of the mobile phone 10 is able to access the bank server (financial system server) 31 with a bank terminal 32 or an in-store terminal 42 and the mobile phone 10. Is connected to a connector to enable short-range communication, so that a replenishment amount is paid by cash or the like to an administrator of the terminals 32, 42, or the bank system 30 is connected via the terminals 32, 42. The electronic money amount 132 of the mobile phone 10 can be replenished from the user's account 312 in the user.
[0175]
At this time, since the sending and receiving of the electronic money amount 132 is performed via a wired short-range communication means (wired communication means) by connector connection, high communication security can be ensured.
[0176]
Further, the electronic money amount 132 stored in the mobile phone 10 is configured to be able to be confirmed only when a legitimate user (user) who knows the recite number inputs the correct recite number into the mobile phone 10. Accordingly, high security of the electronic money amount 132 information stored in the mobile phone 10 can be obtained.
[0177]
As described above, the present invention has been described with reference to the embodiment. However, the mobile communication system according to the present invention is not limited to the above embodiment, and may be configured as follows.
[0178]
(1) In the above embodiment, the telephone station account 311, the user account 312, the checking account 313, and the store account 314 are provided in the same bank server 31 as an example. If it can be performed, a plurality of bank servers (financial system servers) 31... May be provided, and the above-described accounts may be opened in the plurality of bank servers 31.
[0179]
(2) In the above embodiment, only one store network system 40 is shown in FIG. 1, but the mobile communication system according to the present invention includes a plurality of stores as long as they can communicate with each other. Is also good.
[0181]
【The invention's effect】
As described above, according to the mobile communicator according to the present invention, the mobile communicator carried for mobile communication functions as a terminal of the electronic money system. Service can be realized. In addition, the variable amount processing according to the payment processing from the electronic money amount stored in the mobile communication body is performed in a terminal that can access the bank system server, and the mobile communication body alone changes the electronic money amount. Since it is not performed, unauthorized use can be prevented. In addition, since the terminal performs the variable processing of the amount of electronic money, the burden on the financial system server and the like can be reduced, and congestion of communication traffic of the financial system can be reduced. In addition, since the transfer of electronic money by the mobile communication body is performed via short-range communication means, high communication security can be ensured.Further, the user of the mobile communication body makes the terminal accessible to the financial system server and the mobile communication body in a short-distance communication state, and pays a supplementary amount to an administrator of the terminal to perform the management. A person or the like can replenish the electronic money amount of the mobile communication body via the terminal. At this time, since the transfer of the electronic money amount is performed via the short-range communication means, high communication security can be ensured.
[Brief description of the drawings]
FIG. 1 is an overall schematic explanatory diagram showing an embodiment of a mobile communication system according to the present invention.
FIG. 2 is a block diagram illustrating a configuration of a mobile phone.
FIG. 3 is a block diagram showing a configuration of a telephone station system.
FIG. 4 is a block diagram showing a configuration of a bank system.
FIG. 5 is a block diagram showing a configuration of a store network system.
FIG. 6 is a block diagram illustrating a configuration of an encryption key management system.
FIG. 7 is a flowchart showing a flow of a normal call process in the mobile communication system according to the present invention.
FIG. 8 is a flowchart showing a flow of a normal call process in the mobile communication system according to the present invention.
FIG. 9 is a flowchart showing a flow of a prepaid amount replenishment process by cash payment in the mobile communication system according to the present invention.
FIG. 10 is a flowchart showing a flow of a prepaid amount replenishment process by cash payment in the mobile communication system according to the present invention.
FIG. 11 is a flowchart showing a flow of a prepaid amount replenishment process by account transfer in the mobile communication system according to the present invention.
FIG. 12 is a flowchart showing a flow of a prepaid amount replenishment process by account transfer in the mobile communication system according to the present invention.
FIG. 13 is a flowchart showing a flow of a process of confirming a prepaid amount by a user in the mobile communication system according to the present invention.
FIG. 14 is a flowchart showing a flow of a process of releasing a function stop (lock) state of the mobile communication body in the mobile communication system according to the present invention.
FIG. 15 is a flowchart showing a flow of a process of releasing a function stop (lock) state of the mobile communication body in the mobile communication system according to the present invention.
FIG. 16 is a flowchart showing a flow of payment processing by electronic money in the mobile communication system according to the present invention.
FIG. 17 is a flowchart showing a flow of payment processing by electronic money in the mobile communication system according to the present invention.
FIG. 18 is a flowchart showing a flow of payment processing by electronic money in the mobile communication system according to the present invention.
FIG. 19 is a flowchart showing a flow of a process of replenishing an electronic money amount by cash payment in the mobile communication system according to the present invention.
FIG. 20 is a flowchart showing the flow of a process of replenishing an electronic money amount by cash payment in the mobile communication system according to the present invention.
FIG. 21 is a flowchart showing a flow of a process of replenishing an electronic money amount by account transfer in the mobile communication system according to the present invention.
FIG. 22 is a flowchart showing a flow of a process of replenishing an electronic money amount by an account transfer in the mobile communication system according to the present invention.
[Explanation of symbols]
10 Mobile phone (mobile communication body)
11 Wireless communication means
12 Wired communication means (short distance communication means)
13 Storage means
131 Prepaid amount storage
132 Electronic money amount storage
133 Memory number storage
134 control information storage unit
13a Normal information storage area
13b Secret information storage area
13c Hexadecimal information storage area
15 Keyboard (input means)
16 monitor (reporting means)
17 Speaker (reporting means)
20 Telephone office system (base station)
21 Telephone office server
22 Telephone office terminals (terminals)
222 wireless communication means
223 Decryption means
224 collation means
225 Reduction processing means
226 Encryption means
24 communication lines
30 Banking system
31 Bank server (financial system)
311 Telephone office account
312 User account
313 Checking account
314 Store Account
315 Payment processing means
316 remittance processing means
32 Bank terminals (terminals)
322 Wired communication means (short distance communication means)
323 input means
324 decryption means
325 collation means
326 Variable processing means
327 Encryption means
33 Communication line
40 store network system (store)
41 store server
42 In-store terminals (terminals)
422 Wired communication means (short distance communication means)
423 Input means
424 decryption means
425 collation means
426 Variable amount processing means
427 Encryption means
43 Communication line
50 Cryptographic key management system
60 connector

Claims (3)

A mobile communication body that performs wireless communication via a base station,
A wireless communication unit that performs wireless communication with the base station, a short-range communication unit that performs short-range communication with a terminal, and an electronic money amount storage unit that stores an electronic money amount;
When the payment amount to be paid to the store is processed from the electronic money amount, the payment amount is input to the mobile communication body or the terminal in a state where short-range communication with the terminal is possible. Transmitting the electronic money amount stored in the electronic money amount storage means to the terminal by the short-range communication means, receiving a new electronic money amount from the terminal by the short-range communication means, It is configured to store a new electronic money amount by the electronic money amount storage means ,
When replenishing a predetermined replenishment amount to the electronic money amount, in a state where short-range communication is possible with the terminal, in response to the replenishment amount being input to the mobile communication body or the terminal, The electronic money amount stored in the electronic money amount storage unit is transmitted to the terminal by the short-range communication unit, and a new electronic money amount is received from the terminal by the short-range communication unit. A mobile communication body configured to store an electronic money amount by the electronic money amount storage means . The electronic money amount, the mobile cellular unit according to claim 1, characterized in that an electronic money amount readable state in which no electronic money amounts and encryption with encryption. It has a password number storage means for storing a predetermined password number, and a display means for displaying the electronic money amount stored in the electronic money amount storage means,
The electronic money amount stored in the electronic money amount storage means is displayed by the display means only when a number corresponding to a predetermined password number stored in the memory number storage means is input. The mobile communication body according to claim 1 or 2, wherein:

Images