JP4902222B2 - Non-contact terminal device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a contactless terminal device capable of improving processing efficiency in a non-contact state with an IC card and easily adding functions, while maintaining a fixed level of security. <P>SOLUTION: The contactless terminal device 1, capable of communication with a readable and writable IC chip 2 of an IC card 3 or a cell phone 4 in a non-contact state, includes a terminal application part 100 for accessing a prescribed service included in the IC card 3 or the cell phone 4, when the IC card 3 or the cell phone 4 is in a non-contact state, and a data table 110, in which a series of processing information for each processing request to services is uniquely indicated and which can be accessed from the terminal application part 100. The terminal application part 100 executes applications for the service to be processed included in the IC card 3 or the cell phone 4, in a non-contact state based on the processing request to the service and the processing information in the data table 110. <P>COPYRIGHT: (C)2006,JPO&amp;NCIPI

Description

  The present invention relates to a non-contact type terminal device that communicates with a value holding medium such as an IC card having an IC chip in a non-contact state, and reads and writes an IC chip.

  In recent years, with the progress of cashless and the spread of electronic money, various convenient mechanisms and systems using IC cards have been provided in various fields such as distribution. Among them, non-contact type IC cards are attracting attention especially in terms of ease of use. In addition, electronic value information (electronic value) of electronic money and electronic tickets (commuter pass, boarding ticket, airline ticket, etc.) is stored in an ultra-small IC chip built in the non-contact type IC card. Various payments, such as payments at ticket vending machines at stations, payments at vending machines such as beverages, payments at stores, admission to various facilities, etc. are considered.

  When using such an IC card, for example, wireless communication is performed in a non-contact state with respect to the IC card, and information recorded on the internal IC chip is read or new information is written on the IC chip. A reader / writer device that can be used is generally used (see, for example, Patent Documents 1 and 2).

  On the other hand, the software configuration shown in FIG. 7 is generally adopted for the IC card used as described above. That is, in the software configuration shown in FIG. 7, the file system (F1, F2, and F3) that defines a large bundle of media functions (for example, electronic money function, credit function), and processing functions (for example, settlement) Areas (A1, A2, and A3) that define a group of processing functions and log management functions) are added as lower layers, and services that define processing in each area (for example, payment, payment, point grant) By adding (S1, S2, and S3) as a lower layer of the area, the file system, the area, and the service are hierarchically defined. In each of the file system, the area, and the service, a security key (for example, KF1, KA1, KS1, etc.) for protecting security for each layer is set. With such a software configuration, security is maintained for each hierarchy, and access authority is set at the service unit level of the lowest layer.

  However, due to the software configuration of the IC card as described above, the “system-area-service” can be obtained from the contactless terminal device (for example, reader / writer device) side that accesses a certain service in the IC card. It is necessary to know the information of all the encryption keys that can access the access path constituted by the route and the security key set for each route of the access route.

  Furthermore, in the situation as described above, the terminal provider side that develops and designs a contactless terminal device and provides a new function is concerned with the access path and the encryption key for each access path. All the series of information had to be added, and there was a problem that the burden on the developer was heavy. In addition, when a terminal operator newly develops or designs, or adds a function, it will work after knowing the information on the above-mentioned access route and the encryption key for each access route. There has been a demerit that information on security is likely to be leaked to the outside for the service provider and the user using the service (IC card). Furthermore, such a non-contact type terminal device generally reads and writes an IC chip by holding an IC card over the reading surface of the terminal device, so that the communication state is very short and the non-contact state In consideration of the processing efficiency of the terminal device with respect to the time during which the access is maintained, a procedure is adopted in which authentication processing is performed each time using an encryption key set for each layer included in a series of access paths and access is permitted. That was not always efficient.

  In addition, such a contactless terminal device has a limited use for one purpose (for example, electronic money, ticket gate, ticket issuance), and a one-to-one relationship between a terminal provider and a service provider. Most of the usage forms were related to the above. However, in recent years, for example, IC cards including a plurality of services and mechanisms and systems having a cooperative convenience by a plurality of service providers have begun to be widely used, so that functions can be easily added for terminal operators. In addition, there is a need for a non-contact type terminal device that can maintain a high security level with respect to the outside including the terminal operator at the development / design stage.

In addition, as a technology related to the IC card, for example, an IC card authentication device (Patent Document 3) in which data necessary for accessing the IC card is configured by an execution program, and an IC card viewer for confirming the recording of the IC card An IC card access device (Patent Document 4) that improves the usability by applying it has been proposed, but it is applied as a technique for improving both the above-described security and processing efficiency problems. Was difficult.
JP 2002-133378 A JP 2003-141463 A JP 2004-078326 A JP 2002-197418 A

  In view of such circumstances, the present invention can improve the processing efficiency in a non-contact state with an IC card, and can easily add functions while maintaining a certain security level. It is an issue to provide.

A first aspect of the present invention for solving the above-described problem is a non-contact type terminal device capable of communicating with an IC chip in a non-contact state with respect to a value holding medium having a readable / writable IC chip.
A terminal application unit that accesses a series of structures (hereinafter referred to as services) accessed by a predetermined ID in the file system configured on the value holding medium, and is accessible from the terminal application unit A data table in which a series of processing information for each processing request for the service is uniquely indicated, and the terminal application unit can communicate based on the processing request for the service and the processing information of the data table. In the non-contact type terminal device, an application for the service to be processed included in the value holding medium is executed.

  In the first aspect, the application for the service to be processed included in the value holding medium in the non-contact state is executed by the terminal application unit based on the processing request for the service and the processing information of the data table. This eliminates the need for the terminal application side to be aware of detailed processing information for the service to be processed, so that the application for the service can be efficiently executed.

  According to a second aspect of the present invention, in the first aspect, the data table includes, as processing information for the service, access path information indicating a series of access paths for the service included in at least the value holding medium, and the access A non-contact type terminal device is characterized in that security key information set to ensure security for each route is stored in association with each other.

  In the second aspect, in the data table, as processing information for the service, at least access path information indicating a series of access paths for the service included in the value holding medium and security for each access path are ensured. Are stored in association with each other. As a result, the terminal application unit does not need to execute the application while being aware of the access route information and key information for the service to be processed each time, so that the processing efficiency can be improved.

  The third aspect of the present invention is included in the value holding medium in a non-contact type terminal device capable of communicating with the IC chip in a non-contact state with respect to the value holding medium having a readable / writable IC chip. Authentication information for accessing an area where a predetermined service is recorded, a terminal application unit that accesses the service, and a series of processing information for each processing request for the service are uniquely associated with the authentication information. The terminal application unit, based on a processing request for the service and processing information of the data table, an application for the service to be processed after authentication with a value holding medium in a communicable state. A non-contact type terminal device is characterized by being executed.

  In the third aspect, the terminal application unit authenticates the application area for the service to be processed included in the value holding medium in the non-contact state based on the processing request for the service and the processing information of the data table. Application is executed. This eliminates the need for the terminal application side to be aware of detailed authentication information and processing information for the service to be processed, so that the application for the service can be efficiently executed.

  According to a fourth aspect of the present invention, in any one of the first to third aspects, the terminal application unit includes a plurality of terminal applications, and controls so that a plurality of terminal applications of the terminal application unit are not executed simultaneously. It is in the non-contact-type terminal device characterized by having.

  In the fourth aspect, security between individual applications is ensured even if a plurality of applications are included in the terminal application unit.

  According to a fifth aspect of the present invention, in any one of the first to fourth aspects, the terminal application unit and the data table are independently managed, updated, and changed via a predetermined network. There is a non-contact type terminal device.

  In the fifth aspect, the terminal application unit and the data table are managed, updated, and changed independently and separately via a predetermined network. As a result, the terminal application part and the data table can be managed separately by different companies, and functions (for example, new convenience mechanisms and systems, new partners) can be easily added via the network. It is also possible to do.

  According to a sixth aspect of the present invention, in any one of the first to fifth aspects, the processing information stored in the data table is a predetermined that provides a service included in the value holding medium via a predetermined network. The non-contact type terminal device is obtained by downloading from a service providing organization.

  In the sixth aspect, the processing information stored in the data table is captured by downloading from a predetermined service organization via a predetermined network. This eliminates the need for service providing organizations that provide services to notify processing information such as access route information and key information to outside parties including, for example, terminal providers that develop and design terminals. Since leakage can be reduced, the security to the outside can be greatly improved.

  According to a seventh aspect of the present invention, in any one of the first to sixth aspects, the terminal application unit applies an application for a predetermined service based on a processing request generated by an input operation to the contactless terminal device. A non-contact type terminal device is characterized by being executed.

  In the seventh aspect, an application for a predetermined service is executed based on a processing request generated by an input operation to the contactless terminal device.

  According to an eighth aspect of the present invention, in any one of the first to sixth aspects, the terminal application unit is included in the medium from a keyless area accessible without using a security key in the value holding medium. A contactless terminal device that, after identifying a type of a service providing organization that provides the service, executes an application for a predetermined service provided by the service organization using a security key of the service providing organization. is there.

  In the eighth aspect, after identifying the type of service providing organization from the keyless area of the value holding medium, an application for a predetermined service provided by the service providing organization is executed. As a result, the application can be efficiently executed using the keyless area of the value holding medium.

  According to a ninth aspect of the present invention, in any one of the first to eighth aspects, the predetermined service is at least confirmation of remaining amount, confirmation of history, payment, payment, and point addition for each service providing organization. The contactless terminal device is a series of structures that execute any one of the processes.

  In the ninth aspect, at least one of payment, payment, and point addition processing for each service provider is executed as the predetermined service.

  According to a tenth aspect of the present invention, in any one of the first to ninth aspects, the value holding medium includes a service including a partner terminal application provided in cooperation with a plurality of service providing organizations. The characteristic non-contact type terminal device is.

  In the tenth aspect, the value holding medium includes a service configured by an affiliate application provided in cooperation with a plurality of service providers. As a result, even if the value holding medium includes a service composed of a partner application, it is possible to efficiently execute an application for a predetermined service without being aware of the partner information.

  An eleventh aspect of the present invention resides in any one of the first to tenth aspects, wherein the information communicated with the IC chip is information including at least an amount of money. .

  In the eleventh aspect, the present invention can be applied to processing of information including a monetary amount.

According to the contactless terminal device of the present invention, the terminal application unit and the data table are managed independently, and the terminal application unit accesses the access route information and its access when accessing a predetermined service. The application for the service is executed without being aware of the key information and authentication information for each path information. Accordingly, it is possible to provide a non-contact type terminal device that can improve the processing efficiency in a state where communication with a non-contact IC card is possible and can easily add functions while maintaining a certain security level. It becomes.
In addition, a plurality of applications can be easily arranged in the application unit while maintaining a certain security level.

  The best mode for carrying out the present invention will be described below with reference to the drawings. The description of the present embodiment is an exemplification, and the configuration of the present invention is not limited to the following description.

  FIG. 1 is a diagram showing a schematic configuration of a usage form of a contactless terminal apparatus according to an embodiment of the present invention. In the present embodiment, such a contactless terminal device 1 is installed in a store or facility, and has a function equivalent to that of an IC card or an IC card as a value holding medium having a readable / writable IC chip. It is assumed that a service is provided to a user who holds the IC card or the mobile phone by using the mobile phone.

  As shown in the figure, the non-contact type terminal device 1 of the present embodiment makes contact with the IC chip 2 in a non-contact state with respect to the IC card 3 or the mobile phone 4 as a value holding medium having the readable / writable IC chip 2. It is configured to be able to communicate between each other.

  The non-contact type terminal device 1 is a service that provides a predetermined service using the server 6 of the terminal operator that develops and designs the non-contact type terminal device 1 and provides the IC card 3 or the mobile phone 4. A plurality of service providers (X service provider and Z service provider in the example shown in FIG. 1) are connected as servers via a network 9.

  Specifically, the non-contact terminal device 1 is configured in an IC chip included in the IC card 3 or the mobile phone 4 at least when the IC card 3 or the mobile phone 4 is in a non-contact communication enabled state. A terminal application unit 100 that accesses a series of structures (services) accessed by a predetermined ID in the file system, and a series of processing information that can be accessed from the terminal application unit 100 and for each processing request for the service Is provided with a data table 110 uniquely indicated. The terminal application unit 100 and the data table 110 here are functions that are independently managed separately in the contactless terminal device 1, and communication for updating and changing each function via the network 9. The update protocols 120A and 120B serving as interfaces are respectively connected. The terminal application unit 100 and the data table 110 as described above are incorporated in the non-contact type terminal device 1 as software functions for executing predetermined processing.

  Further, the IC card 3 as the value holding medium may include an affiliate service provided by a plurality of service providers in cooperation.

  Here, an example of the external configuration of the non-contact type terminal device 1 will be described. FIG. 2 is a diagram illustrating an example of an external configuration of a contactless terminal apparatus according to an embodiment of the present invention. In the example shown in FIG. 2, description will be made assuming that the IC card 3 is used as a value holding medium.

  As shown in the figure, the non-contact type terminal device 1 has a readable / writable IC chip 2 and can communicate with the IC chip 2 in a non-contact state with respect to an IC card 3 formed in a rectangular shape, for example. It is a thing.

  In this embodiment, the non-contact type terminal device 1 is configured by a combination of a holding unit 10 and a terminal body unit 15. The cover unit 10 and the terminal body unit 15 are connected by a cable 16 so that the cover unit 10 can be separated from the terminal body unit 15. Further, the cover unit 10 and the terminal body unit 15 may be an apparatus in which the functions included in each are integrally formed.

  In this embodiment, the cover unit 10 includes a plastic case 20, and at least the reading surface 5 for reading information stored in the IC card 3 when the IC card 3 is brought close to the surface, the IC A display unit 30 for displaying the contents of the chip 2 and a sound hole 32 for outputting sound generated in the process are provided. The case 20 includes a lower case 21 that can be placed on the floor surface, and an upper case 22 that fits with the upper side of the lower case 21 with a predetermined inclination angle (for example, an inclination angle of 30 degrees) with respect to the floor surface. It is composed of As shown in FIG. 2, a part of the surface of the upper case 22 is a reading surface 5. Further, the holding unit 10 has a built-in wireless communication unit 8 having an antenna substrate capable of wirelessly communicating information with the IC chip 2, whereby information necessary for services and the like can be exchanged. It can be done.

  On the other hand, the terminal body unit 15 can be placed on the floor surface and has a predetermined inclination angle (for example, an inclination angle of 30 degrees), for example, with respect to the floor surface, like the cover unit 10. And a display unit 37 that displays at least various information such as information input by the operation key 36 and data in the IC chip 2. And a printer unit 38 capable of printing the information displayed on the display unit 37 on paper. In addition, the terminal body unit 15 has a built-in communication function unit that can be connected and transmitted to an external organization, for example, a modem unit (not shown). It becomes possible to transmit to an organization. The display unit 37, the printer unit 38, and the modem unit are integratedly controlled by a control unit (not shown) built in the terminal body unit 15 in response to an input operation from the operation key 36. It has become. The modem unit is connected directly to a communication transmission / reception modem installed in an external organization, and connected to an IP network via a third party organization via a communication means such as the Internet. You may send to an external organization.

  In this embodiment, a non-contact type terminal device including an operation key, a display unit, a printer unit, a communication function and the like has been described. However, the non-contact type terminal device according to the present invention includes an operation key, a display unit, The printer unit, communication function, and the like depend on other devices (for example, POS and CCT terminals), and may be non-contact type terminal devices that operate by being connected to these devices.

  Next, the software configuration of the contactless terminal device 1 will be described. FIG. 3 is a diagram showing a conceptual diagram of a software configuration incorporated in the contactless terminal apparatus according to the embodiment of the present invention.

  As shown in the figure, a terminal application unit 100 and a data table 110 are incorporated in the contactless terminal device 1 as software functions for executing predetermined processing. Among these, the data table 110 is associated with a series of information necessary for accessing a certain service, such as “service-key-area-system”, as processing information for the service. Is defined. That is, access path information indicating a series of access paths for services included in the IC card 3 and security key information set to ensure security for each access path are stored in association with each other. The security key information here is information about an encryption key that can access a key set for each route of “system-area-service” of the access path. In the present embodiment, authentication processing using a common key is assumed.

  With this configuration, when the contactless terminal device 1 accesses the IC card 3, the terminal application unit 100 uses the IC card 3 based on the access route information and key information shown in the data table 110. And execute applications for services to be processed. That is, the terminal application unit 100 outputs, for example, a command such as “performs X partnership payment processing in partnership with the X service provider using the table information of the A service provider” as a service to be processed. This makes it possible to access a predetermined service (in this case, settlement by X tie-up) without being aware of the access route information and key information for the command.

  Here, a specific table configuration example of the data table 110 and a processing example based on the table configuration will be described. FIG. 4 is a diagram illustrating a data table and a processing example based on the data table according to an embodiment of the present invention.

  As shown in the figure, in the data table 110, the service type (Process 1, Process 2, and Process 3) related to the service provider (Company A) as a service providing organization that provides the service, and the services that are affiliated. The types of business operators (affiliation X, affiliation Y, and affiliation Z), key information, and access route information are defined in association with each other. The processing type here refers to processing for individual service providers such as confirmation of remaining amount, confirmation of history, payment, payment, point grant, and the like. The key information includes, for example, an encryption key (KA) for a certain area (A), an encryption key (KS1) for the first service (S1) in the area (A), and an encryption for the second service (S2). The key (KS2) is formed and managed as one piece of key information. Such key information can also improve the processing efficiency.

  On the other hand, the terminal application unit 100 is set with an algorithm that defines a processing procedure for executing various types of processing related to services (processing 1, processing 2, processing 3,..., Processing n). In addition, as the value holding media, the IC card 3A including the X alliance service by the alliance with the X service provider issued by the service provider (Company A) as a service providing organization that provides a predetermined service, and the Z service An IC card 3B including a Z tie-up service by tie-up with a business operator is illustrated.

  With such a configuration, the terminal application unit 100 is conscious of information about the partner even if the value holding medium is an IC card 3A or 3B including a partner service provided by a plurality of service providers. An application for a predetermined service can be executed. For example, by outputting a command “execute processing 1 with X tie-up”, processing related to the X tie-up through a tie-up with an X service provider can be executed using the table information of company A. Further, for example, by outputting a command “execute processing 3 with Z tie-up”, processing related to Z tie-up by tie-up with Z service provider can be executed using the table information of company A.

  In addition, by controlling a control unit (not shown) so that the respective processes set in the terminal application unit 100 do not operate simultaneously, it is possible to eliminate interference between the respective applications and maintain security. Become. Furthermore, it is possible to maintain a higher level of security by controlling a firewall function (not shown) so that each application does not access the same memory area.

  In addition, when a new function or information is added to the terminal application unit 100 and the data table 110, it may be captured by downloading from a predetermined organization via a predetermined network. That is, as shown in FIG. 1, since the terminal application unit 100 and the data table 110 are managed independently and separately, for example, the terminal provider managing the terminal application unit 100 via the network 9 Necessary functions and information are downloaded from the server 6 to be updated or changed, and processing information for services provided by each service provider managed by the data table 110 is downloaded from the server 7 of each service provider and updated. Alternatively, it may be changed. In this case, it is desirable that various information to be downloaded is encrypted. Further, the processing information stored in the data table 110 may be downloaded entirely from the server 7 of each service provider. Thereby, since the terminal application unit 100 and the data table 110 can be managed by different vendors, for example, the terminal operator does not need to be involved in the operation of the data table 110, so access route information, key information, etc. Can be prevented from leaking to the outside, and security can be greatly improved. Further, for example, when it is desired to add a partner or the like, it can be easily handled by changing the processing information of the data table 110 by downloading or the like.

  Next, a specific processing procedure executed by the terminal application unit 100 will be described. First, a processing example when a processing request for a service is generated by an input operation to the non-contact type terminal device 1 will be described. FIG. 5 is a flowchart showing a processing procedure when a processing request is generated by an input operation on the non-contact type terminal device according to the embodiment of the present invention.

  As shown in the figure, first, when there is a non-contact state IC card 3 (S1; Yes), the terminal application unit 100 waits for a predetermined time until there is a processing request generated by an input operation from the operation key 36 or the like. . Here, when there is a processing request by an input operation (S2; Yes), the processing information (access route information and key information) for the corresponding service is referred from the data table 110 (S3). Then, an application for the corresponding service is executed based on the referred processing information (S5). On the other hand, if there is no processing request generated by the input operation even after the predetermined time has elapsed (S2; No), the input request may be output to the display unit 37 or the like (S4).

  By the processing procedure as described above, the terminal application unit 100 efficiently performs a predetermined service based on the processing request generated by the input operation to the non-contact type terminal device 1 and the processing information stored in the data table 110. Can run the application.

  Next, a processing example when the IC card 3 including the keyless area is in a non-contact state with respect to the non-contact type terminal device 1 will be described. FIG. 6 is a flowchart showing a processing procedure when the IC card 3 including the keyless area is in a non-contact state with respect to the non-contact type terminal device according to the embodiment of the present invention.

  As shown in the figure, first, when there is an IC card 3 in a non-contact state (S10; Yes), the terminal application unit 100 determines whether or not the IC card 3 has a keyless area (S11). Here, if the IC card 3 has a keyless area (S11; Yes), the type of the service provider as the service provider that issued the IC card 3 is identified from the keyless area (S12). On the other hand, if there is no keyless area in the IC card 3 (S11; No), an input request for inputting a service processing request may be output to the display unit 37 or the like (S13). In this case, the processing after the input request shifts to the processing after step S2 shown in FIG.

  Then, the processing information (access route information and key information) for the service provided by the recognized service provider is referred to from the data table 110 (S14), and the application for the corresponding service is executed based on the referred processing information. (S15).

  Through the processing procedure as described above, the terminal application unit 100 identifies the service provider included in the IC card 3 using the keyless area of the IC card 3 that is in a non-contact state with the non-contact type terminal device 1. By doing so, it is possible to efficiently execute an application for a service provided by the service provider based on the processing information stored in the data table 110.

  Furthermore, the non-contact type terminal device according to the present embodiment can improve the processing efficiency in a non-contact state with the IC card, and can easily add functions while maintaining a certain security level. .

It is a figure which shows schematic structure of the utilization form of the non-contact-type terminal device which concerns on one Embodiment of this invention. It is a figure which shows the external appearance structure of the non-contact-type terminal device which concerns on one Embodiment of this invention. It is a figure which shows the conceptual diagram of the software structure integrated in the non-contact-type terminal device which concerns on one Embodiment of this invention. It is a figure which shows the process example based on the data table which concerns on one Embodiment of this invention, and a data table. It is a flowchart which shows the process sequence when a process request generate | occur | produces by input operation with respect to the non-contact-type terminal device which concerns on one Embodiment of this invention. It is a flowchart which shows the process sequence in case the IC card 3 containing a keyless area | region is a non-contact state with respect to the non-contact-type terminal device which concerns on one Embodiment of this invention. It is a figure which shows the conventional software structure of the non-contact-type terminal device which concerns on one Embodiment of this invention.

Explanation of symbols

1 Contactless terminal device 2 IC chip 3, 3A, 3B IC card (value holding media)
4 Mobile phones (value retention media)
DESCRIPTION OF SYMBOLS 5 Reading surface 6 Server of a terminal provider 7 Server of a service provider (service providing organization) 8 Wireless communication unit 9 Network 10 Holding unit 15 Terminal unit 16 Cable 20, 35 Case 21 Lower case 22 Upper case 30, 37 Display unit 32 Sound hole 36 Operation key 38 Printer unit 100 Terminal application unit 110 Data table 120A, 120B Update protocol

Claims (10)

In a non-contact type terminal device capable of communicating with an IC chip in a non-contact state with respect to a value holding medium having a readable / writable IC chip,
A terminal application unit that accesses a series of structures (hereinafter referred to as services) accessed by a predetermined ID in the file system configured on the value holding medium;
Access path information indicating a series of access paths for at least the service included in the value holding medium and security for each access path as a series of processing information for each processing request for the service and accessible from the terminal application unit And a data table stored in association with security key information set to secure
The terminal application unit executes an application for the service to be processed included in a value holding medium in a communicable state based on a processing request for the service and processing information of the data table. Type terminal device. In a non-contact type terminal device capable of communicating with an IC chip in a non-contact state with respect to a value holding medium having a readable / writable IC chip,
Authentication information for accessing a recorded area of a predetermined service included in the value holding medium;
A terminal application unit for accessing the service;
A series of processing information for each processing request for the service includes a data table uniquely associated with the authentication information,
The terminal application unit executes an application for the service to be processed after authentication with a value holding medium in a communicable state based on a processing request for the service and processing information of the data table. Contact-type terminal device. In either claim 1 or 2 ,
The terminal application unit comprises a plurality of terminal applications,
A contactless terminal device comprising: a control unit configured to control a plurality of terminal applications of the terminal application unit so as not to be executed simultaneously. In any one of claims 1-3, wherein the terminal application portion and the data table, managed each independently separated via a predetermined network, updates and the non-contact terminal device, characterized in that to change. In any one of claims 1-4, processing information stored in the data table, via a predetermined network, by downloading from a predetermined service providers for providing the services included in the value holding media A non-contact type terminal device that is captured. In any one of claims 1-5, wherein the terminal application unit, a non-contact type and executes the application for a given service, based on the processing request generated by the input operation to the non-contact terminal device Terminal device. The type of service providing organization according to any one of claims 1 to 5 , wherein the terminal application unit provides the service included in the medium from a keyless area accessible without using a security key in the value holding medium. After the identification, the application for a predetermined service provided by the service organization is executed using the security key of the service provision organization. In any one of claims 1-7, wherein the predetermined service, at least, check the balance on individual service providers, confirmation history, payment, deposit, and for performing another process point addition A non-contact type terminal device characterized by being a series of structures. In any one of claims 1-8, wherein the value holding medium, non-contact terminal device, wherein a plurality of service providers is to include a service composed of affiliated terminal application to provide in cooperation. In any one of claims 1-9,
The non-contact type terminal device, wherein the information communicated with the IC chip is information including at least an amount of money.

Images