JP6029613B2 - Communication terminal device and settlement system - Google Patents

Description

  The present invention relates to a communication terminal device capable of communicating via a communication network and a settlement system using the communication terminal device.

  Conventionally, as this type of communication terminal device, a function for emulating a plurality of types of plastic cards and IC cards (hereinafter referred to as “settlement cards”) such as credit cards, electronic money cards, and transportation prepaid cards (hereinafter referred to as “settlement cards”). 2. Description of the Related Art Communication terminal devices such as mobile phones and smartphones having a “card emulation function” are known (see, for example, Non-Patent Document 1). In this communication terminal device, when a user purchases a product or uses a service, the user purchases the product or pays for the use of the service by performing near field communication over a settlement terminal device such as a store. Can be completed.

  In the above-described conventional communication terminal device, the card emulation function can be used for a part of a plurality of types of payment cards under a predetermined condition, and the card emulation function cannot be used for other payment cards. There is a case that I want to make.

  For example, for the card emulation function of a transportation card, if an operation to turn on the power switch, release the operation lock state, or enter a password is required, it will pass smoothly through the ticket gates of stations, etc. Cannot be used, and lacks convenience. Therefore, the card emulation function of such a transportation card is enabled so that the card emulation function can be used even under the condition that the power switch is OFF or the operation is locked. Can pass smoothly, and convenience can be improved.

On the other hand, the card emulate function of the security of the request a high degree of payment cards, such as credit cards and electronic money cards, when or stolen drop the communication terminal device is in the OFF state and the operation lock state of the power switch, Even though the communication terminal device cannot be operated normally, a card emulation function such as a credit card may be misused by others. Therefore, this way for card emulation function of the security of the request a high degree of payment card, such as a credit card, invalid so that it can not use the card emulate function under certain conditions to the OFF state and the operation lock state of the power switch By making it, security can be increased.

  However, in the above-described conventional communication terminal device, all card emulation functions of a plurality of types of payment cards are uniformly enabled or disabled uniformly under the condition that the power switch is OFF or the operation is locked. There is a problem that it ends up.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a communication terminal device and a payment system that can individually set validity and invalidity under a predetermined condition for each of card emulation functions of a plurality of types of payment cards. Is to provide.

  A communication terminal device according to an aspect of the present invention is a communication terminal device having a card emulation function for emulating a payment card, and card information for using the card emulation function for each of a plurality of types of payment cards, and Between a storage means for storing individual programs and state management information for managing valid and invalid states of each of the card emulation functions of the plurality of types of payment cards under predetermined conditions, and a payment terminal device The short-distance wireless communication means for performing short-distance wireless communication, and for each of the plurality of types of payment cards, by performing short-distance wireless communication with the payment terminal device based on the card information and the individual program, Payment processing means for executing payment processing, wherein the payment processing means is based on the state management information. There are, said for some payment card of the plurality of payment cards enable card emulation function, for other payment card to disable the card emulation function.

In the communication terminal device, the power supply means, a power switch operable by a user, and the power supply to the short-range wireless communication means and the settlement processing means when the power switch is turned off. Power control means for controlling power supply from the means to continue, and the settlement processing means, based on the state management information, under the condition that the power switch is turned off, the plurality of types of settlement cards Of these, the card emulation function may be enabled for some payment cards, and the card emulation function may be disabled for other payment cards.
Further, the communication terminal device has an operation means operable by a user and an operation restriction state in which an operation of the operation means is restricted, and is controlled so as to release the operation restriction state by a predetermined user operation. And an operation control means for performing a card emulation function on a part of the plurality of types of payment cards based on the state management information under a condition in the operation restricted state. The card emulation function may be disabled for other payment cards.
The communication terminal device may further include switching means for switching between valid and invalid of each of the card emulation functions of the plurality of types of settlement cards managed by the state management information.
In the communication terminal device, the part of the payment card that disables the card emulation function under the predetermined condition may be a credit card or an electronic money card.
Further, in the communication terminal device, an IC (Integrated Circuit) module in which subscriber identification information of a communication service via a communication network is stored is configured to be detachable from the device main body, and the storage means is included in the IC module. It may be provided.
In the communication terminal device, the short-range wireless communication is communication conforming to an NFC (Near Field Communication) standard, and the state management information is a CRS (Contact Registry Service Service) defined in a global platform standard. It may be property information set in the applet.

  An electronic payment system according to another aspect of the present invention includes any one of the communication terminal devices and a management server that manages the card emulation function in the communication terminal device, and the communication terminal device includes a communication network. Network communication means for communicating with the management server via the network.

  According to the present invention, state management information for managing valid and invalid states under predetermined conditions is stored for each of the card emulation functions of a plurality of types of payment cards, and a plurality of types of payment cards are stored based on the state management information. Among some payment cards, the card emulation function under a predetermined condition can be enabled for some payment cards, and the card emulation function under a predetermined condition can be disabled for other payment cards. Therefore, it is possible to individually set validity and invalidity under a predetermined condition for each of the card emulation functions of a plurality of types of payment cards.

The schematic block diagram which shows an example of the electronic payment system which can be electronically paid using the communication terminal device which concerns on this embodiment. The block diagram which shows an example of the hardware constitutions of the communication terminal device of this embodiment. The block diagram which shows an example of the main structures of USIM with which the communication terminal device of this embodiment is mounted | worn. The block diagram which shows an example of the structure of the software regarding the non-contact electronic payment service using NFC short-distance wireless communication in USIM with which the communication terminal device of this embodiment was mounted | worn. The sequence diagram which shows an example of a process when performing use registration of a non-contact electronic payment service in the communication terminal device of this embodiment. (A)-(d) is explanatory drawing which shows an example of the screen transition of the communication terminal device at the time of use registration of an electronic payment service. The sequence diagram which shows an example of the process which confirms the valid and invalid state of the card emulation function of A card (credit card) at the time of power switch OFF in the communication terminal device of this embodiment. The sequence diagram which shows an example of a process when using the non-contact electronic payment service using the card emulation function of C card (traffic prepaid card) at the time of power switch OFF in the communication terminal device of this embodiment.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a schematic configuration diagram illustrating an example of an electronic payment system capable of performing electronic payment using the communication terminal device according to the present embodiment. This electronic payment system is used to pay for various products and services using a communication terminal device 10 such as a mobile phone or a smartphone having a card emulation function for emulating a payment card such as a credit card or an IC card for electronic money. It is a system that provides services that enable The electronic payment system is used for payment of an electronic payment service installed in a communication terminal device 10, management servers 20 and 25 provided on a communication network so as to be able to communicate with the communication terminal device 10, and various facilities and stores. A reader / writer device (hereinafter referred to as “R / W device”) 30 which is a terminal device is configured.

  The management servers 20, 25, and 26 are configured with servers having a WEB function, for example, and are configured to be able to communicate with the communication terminal device 10 via the mobile communication network 40. As a communication protocol between the management servers 20, 25, and 26 and the communication terminal device 10, for example, HTTP (HyperText Transfer Protocol) is used. Among these management servers 20, 25, and 26, an MNO-TSM (Mobile Network Operator-Trusted Service Manager) server 20 managed and operated by the mobile communication carrier 20A has various data and programs necessary for the electronic payment service. Is a server that manages the access authority to the secure memory area in the communication terminal device 10 in which is stored. An SP-TSM (Service Provider-Trusted Service Manager) server 25 managed and operated by a card payment service provider 25A that issues a payment card such as a credit card or an IC card for electronic money is an MNO-TSM20. It is a server that performs registration for use of the electronic payment service by communicating with the communication terminal device 10 via. Also, an SP (Service Provider) server 26, which is a service providing server managed and operated by the card settlement service provider 25A, communicates with the R / W device 30 to perform user authentication and settlement processing of the electronic settlement service. It is a server that performs etc. A single management server having two functions of the MNO-TSM server 20 and the SP-TSM server 25, and a single management server having three functions of the MNO-TSM server 20, the SP-TSM server 25 and the SP server 26. A management server may be provided.

  The R / W device 30 is a payment terminal device installed in various facilities, stores, and the like, and includes a communication module 31 for communicating with the communication terminal device 10. The R / W device 30 includes a ticket gate device at a station, a fare collection device in a bus or the like, a reading card reader, a ticketing device at a station or event venue, an automatic cash payment device at a financial institution, etc. There are cash register devices such as stores and ETC base stations on highways.

  Further, the R / W device 30 can transmit and receive various types of data by performing wireless communication with the communication terminal device 10 using a predetermined short-range wireless communication method. As this short-range wireless communication system, various communication systems can be used. In the present embodiment, NFC (Near Field Communication) communication systems such as Type A, Type B, and FeliCa (registered trademark) are used (ISO 14443A). , ISO14443B, ISO7816, ISO156693, ISO18092, ISO21481). As the short-range wireless communication method, other communication methods such as a communication method using radio waves such as Bluetooth (registered trademark), WiFi, wireless USB, ETC, a communication method using infrared rays, a communication method using visible light, etc. May be used. In addition, a predetermined communication protocol is used for data transfer between the R / W device 30 and the communication terminal device 10, and as a transfer method thereof, a serial data transfer method, a multiplex transfer method, a time division transfer method, etc. Can be adopted.

  The R / W device 30 is connected to a computer device (not shown) via a serial cable or the like, and via the computer device, for example, via a dedicated communication line constructed on a network 50 such as a fixed telephone line or the Internet. Communication with the SP server 26 is possible. As a communication protocol between the SP server 26 and the R / W device 30, for example, FTP, TELNET, or a unique communication protocol is used in addition to HTTP. Using these protocols, the R / W device 30 can exchange data related to the electronic payment service, a payment processing request, a payment completion notification, and the like with the SP server 26. Instead of the network 50, the mobile communication network 40 may be used, or another communication network may be used.

  The communication terminal device 10 can communicate with the MNO-TSM server 20 and the SP-TSM server 25 via the base station 41 of the mobile communication network 40. The communication terminal device 10 incorporates an application program that is software for using an electronic payment service. In addition, a USIM (Universal Subscriber Identity Module), which is a detachable IC module attached to the communication terminal device 10, is used by a user for payment together with subscriber identification information for using a mobile communication service. Card information of each of a plurality of types of payment cards such as a credit card and an electronic money card that can be stored and an applet that is an individual program are stored.

  Hereinafter, the application program is appropriately abbreviated as “application”, and the application program that is software for managing the information related to electronic payment is referred to as “electronic payment application”. In the present embodiment, a platform-independent application program developed by object-oriented programming such as JAVA (registered trademark) or C ++ is used as the electronic payment application. These application programs can be appropriately downloaded from a server on the communication network and registered in the communication terminal device 10, and can be selected and executed by the user from among them. The application program selected by the user is executed on an application execution environment such as a JAVA execution environment constructed in the communication terminal device 10.

  FIG. 2 is a block diagram illustrating an example of a hardware configuration of the communication terminal device 10 according to the present embodiment. The communication terminal device 10 includes a main control unit 110, a wireless communication unit 111, a baseband processing unit 112, a sound input / output unit 113, a display unit 114, and an operation unit 115 as an operation unit. The communication terminal device 10 is equipped with a USIM 15 as an IC module that can be attached to and detached from the device body. The USIM 15 has a function capable of short-range wireless communication with the R / W device 30 as described later.

  The main control unit 110 includes an MPU (Micro Processing Unit), a RAM, a ROM, and the like, and controls each unit such as the baseband processing unit 112 by executing a program such as a predetermined basic OS and middleware. Build a configuration native platform environment or application execution environment.

  The wireless communication unit 111 functions as a network communication unit that communicates via the mobile communication network 40, and includes, for example, a synthesizer, a frequency converter, a high frequency amplifier, and the like, and the base station 41 of the mobile communication network 40. High-frequency signal processing for wireless communication is executed.

  The baseband processing unit 112 performs digital processing for performing voice communication and data transmission / reception communication with communication terminal devices such as other mobile phones and various servers. The baseband processing unit 112 and the wireless communication unit 111 are connected via a D / A converter or an A / D converter.

  The sound input / output unit 113 includes a microphone, a speaker, a sound signal processing unit, and the like. The analog audio signal output from the microphone is converted into a digital signal by the sound signal processing unit and sent to the main control unit 110, the baseband processing unit 112, and the like. The speaker receives an analog signal converted from a digital signal by the sound signal processing unit, and outputs a voice during a call, or outputs a ringtone for a mail, a ringing tone for a telephone, music, or the like. The speaker may be configured by separately providing a receiver speaker (receiver) for listening to voice during a call and an external output speaker for outputting ringtones, music, etc. You may comprise with one speaker so that a speaker and an external output speaker may be combined.

  The display unit 114 is configured by an LCD (liquid crystal display) or the like, and displays various images based on commands from the main control unit 110.

  The operation unit 115 includes a touch panel incorporated in the display unit 114, various operation keys and buttons, a power switch as a power ON / OFF unit, and the like. This operation unit 115 is used when the user turns on / off the main body power supply of the communication terminal device 10, instructs a call start / end, menu selection, screen switching, etc., or inputs information. It is done.

  Further, the communication terminal apparatus 10 includes a GPS (Global Positioning System) unit 117 as a position information acquisition unit, a camera unit 118 as an imaging unit, a sensor unit 119, a power supply unit 120 as a power supply unit, a clock unit (not shown), and the like. It also has.

  The GPS unit 117 includes a GPS receiving module, a GPS antenna, and the like, receives radio waves from a plurality of GPS satellites arranged around the earth, and the latitude and longitude at which the communication terminal device 10 is located based on the reception result And altitude data.

  The camera unit 118 includes a lens, an imaging device, and the like, and is used when shooting a person, a landscape, and the like. As the imaging device, a CCD (Charge Coupled Device) camera or a CMOS camera can be used.

  The sensor unit 119 includes an acceleration sensor and / or a geomagnetic sensor. The acceleration sensor may be a uniaxial acceleration sensor or a multi-axis acceleration sensor such as a biaxial or triaxial acceleration sensor. Further, the geomagnetic sensor may be a uniaxial geomagnetic sensor, or may be a multiaxial geomagnetic sensor such as a biaxial or a triaxial. Based on the output of the sensor unit 119, data indicating the position, orientation, posture, and movement of the communication terminal device 10 can be calculated. Further, based on the output of the sensor unit 119, the communication terminal device 10 determines whether or not the communication terminal device 10 is based on history information that is information on temporal changes in acceleration data and geomagnetic data when the user's communication terminal device 10 moves from a reference position at a predetermined altitude. Data indicating the altitude, angle, and the like that are located can be calculated.

  The power supply unit 120 includes a rechargeable battery, a power supply circuit that supplies power of a predetermined voltage from the battery to each unit, a charging circuit that charges the battery, and the like. The power supply unit 120 also supplies power to the main part of the communication terminal device 10, that is, the sound input / output unit 113, the display unit 114, a part of the operation unit 115, the GPS unit 117, the camera unit 118, and the sensor unit 119. The above-described power switch that can be operated by the user can be turned ON / OFF. However, in order to operate the card emulation function of some payment cards when the power switch is turned off, the power supply unit 120 is connected to the wireless communication unit 111, the baseband processing unit 112, and the USIM 15 even when the power switch is turned off. The power supply is configured to continue.

  The clock unit is composed of a clock circuit and the like, counts accurate date and time, and generates time information for update processing and the like.

  FIG. 3 is a block diagram illustrating an example of a main configuration of the USIM 15 attached to the communication terminal device 10 of the present embodiment. The USIM 15 is composed of, for example, an IC module, and includes a control unit 150 including a CPU, a storage unit 151 as a storage unit including a ROM and a RAM, an I / O interface unit 152 for communicating with a communication terminal device body, The NFC communication unit 153 serving as a short-range wireless communication unit that performs short-range wireless communication with the R / W device 30 using the NFC described above.

  The control unit 150 of the USIM 15 executes the NFC applet and cooperates with the main control unit 110 on the apparatus main body side where the UI application of the corresponding card is executed, thereby executing a payment processing unit that executes a payment process using a payment card. Function as.

  The NFC communication unit 153 includes, for example, a dedicated IC chip, and includes an antenna and a wireless communication circuit for performing communication with the R / W device 30 using a predetermined communication protocol.

  The storage unit 151 includes a system area 151a in which basic programs and data such as access control used mainly by the control unit 150 are stored, and a user in which programs and data used by the USIM 15 users for various applications are stored. Region 151b. The system area 151a also stores an applet that is a relatively small program for managing various states such as validity and invalidity of each NFC applet corresponding to the card emulation function of a plurality of types of payment cards described later. As this state management applet, for example, a “CRS” (Contactless Registry Service) applet defined in “Global Platform” built on “JAVA Card Runtime Environment” described later can be used. This CRS applet manages the valid state (also referred to as “active state”) and invalid state (also referred to as “inactive state”) of each of the card emulation functions of a plurality of types of payment cards. Property information that can be used as state management information for this is set.

  In the present embodiment, the case where the predetermined condition for managing the valid and invalid states of the card emulation functions of a plurality of types of payment cards is a condition that the power switch is turned off. However, it is not limited to this condition. For example, the predetermined condition may be a condition that the power switch is turned on and the operation is locked as an operation restriction state in which operation of the operation unit is restricted.

  The user area 151b is a safe area (also referred to as “SE: Secure Element” or “SD: Secure Domain”) that can be accessed only by users and servers having specific authority. In the present embodiment, in order to realize a card emulation function for emulating a payment card (plastic card, IC card) such as a credit card or an electronic money card in the user area 151b by communicating with the R / W device 30. NFC applet which is a program of the above and card information which is user-specific information are stored. Here, the card emulation function can use the communication terminal device 10 for payment for payment of goods and services in the same manner as a payment card (plastic card, IC card) such as a normal credit card or electronic money card. This is the function that I did.

  When emulating payment by a plurality of payment cards, the NFC applet and card information stored in the user area 151b are stored in different areas for each payment card, and each payment service provider issuing the payment card Access rights are managed. In the example of FIG. 3, the NFC applet and card information of each of the three types of payment cards (A card, B card, C card) are stored in different areas. For example, the payment service provider issuing the A card is , Only the NFC applet A and A card information in the area set for the A card can be accessed.

Table 1 is a list showing an example of status management information of NFC applets for each of a plurality of types of payment cards (A card, B card, C card) managed by the CRS applet. “1” in the status management information column of Table 1 indicates that the NFC applet is active under the condition that the power switch is OFF, and that the card emulation function of the payment card by the NFC applet can be used. Is shown. On the other hand, “0” indicates that the NFC applet is inactive under the condition that the power switch is turned off, and the card emulation function of the payment card by the NFC applet cannot be used.

  In the example of Table 1, for example, when the status management information of the A card and B card managed by the CRS applet is “0”, the card emulation function of the A card and B card is under the condition that the power switch is OFF. It is invalid and cannot be used. On the other hand, since the status management information of the C card managed by the CRS applet is “1”, the card emulation function of the C card is effective and can be used even when the power switch is OFF.

FIG. 4 is a block diagram illustrating an example of a software configuration related to a contactless electronic payment service using NFC short-range wireless communication in the USIM 15 attached to the communication terminal device 10 of the present embodiment.
In FIG. 4, on the access control that controls NFC short-range wireless communication in the physical layer of USIM 15, the IC is connected via middleware (for example, middleware conforming to “EMV” which is an IC card specification for a payment card). A card platform (for example, a “JAVA card” that provides an environment according to the API specification of JAVA) is constructed. A contactless card platform (for example, “global platform”) is built on the IC card platform via a payment IC card platform (for example, “VISA open platform”). NFC applet for card payment of each of the payment cards (for example, the aforementioned A card, B card, C card) can be executed.

FIG. 5 is a flowchart illustrating an example of processing when performing use registration of the non-contact electronic payment service in the communication terminal device 10 of the present embodiment. 6A to 6D are explanatory diagrams illustrating an example of screen transition of the communication terminal device at the time of registration for use of the electronic payment service. FIG. 5 and FIG. 6 are examples when the use registration of the electronic payment service of the C card, which is a transportation prepaid card that can be settled at the ticket gate of the station, is performed.

  In FIG. 5, first, when the user operates the communication terminal device 10 to activate a browser and accesses a card selection WEB site, a card selection screen 161 as shown in FIG. 6A is displayed. When the user performs an operation of selecting a C card on the card selection screen 161, a user interface (UI) application for using the electronic payment service of the C card is downloaded to the communication terminal device 10, and the user's operation is performed. Or automatically. When the downloaded UI application is activated, a usage registration screen 162 for the C card electronic payment service shown in FIG. 6B is displayed. When a predetermined operation for requesting use registration of the C card electronic payment service is performed on the use registration screen 162, a service use registration request is transmitted from the communication terminal device 10 to the MNO-TSM server 20.

  After performing a predetermined authentication process, the MNO-TSM server 20 transmits the C card NFC applet C used when using the C card electronic payment service to the communication terminal device 10. The NFC applet C for the C card received by the communication terminal device 10 is sent to the USIM 15 and installed.

  In USIM 15, an area for C card is set in user area 151b of storage unit 151, NFC applet C is stored in the area for C card, and user-specific information such as card information of the user's C card is stored. An area for storing information is set.

  Next, the communication terminal apparatus 10 transmits a use registration request to the SP-TSM server 25 of the card settlement service provider of the C card via the MNO-TSM 20. The SP-TSM server 25 executes a predetermined authentication process based on the use registration request, and then executes a use registration process of the electronic payment service of the C card for the user of the communication terminal device 10, and the user's C User-specific data including card information of the card is transmitted to the communication terminal device 10.

  The user-specific information of the C card received by the communication terminal device 10 is sent to the USIM 15 and written in an area set for the C card in the user area 151b of the storage unit 151. Thereafter, a screen 163 for completion of use registration of the C card electronic payment service shown in FIG. 6C is displayed on the communication terminal device 10. When the user performs a predetermined confirmation operation on the use registration completion screen, a process for setting the C card status management information in the CRS applet as a payment card that can be used even when the power switch of the communication terminal device 10 is OFF is performed. Executed. Then, as shown in FIG. 6D, a screen 164 indicating that the C card electronic payment service is available even when the power switch is turned off is displayed.

  The state management information of the payment card is set via a predetermined application activation setting IF (for example, “AAUI: Application Activation User Interface” defined in “EMV” described above) incorporated in the UI application. An event for setting the C card to an active state (“EVENT_ACTIVATED”) is detected by the above-described event listener applet (for example, “CREL” applet), and a UI application on the main body side of the communication terminal device 10, A predetermined application activation setting IF (for example, “AAUI”) incorporated in the UI application is notified.

  FIG. 7 is a sequence diagram showing an example of processing when the UI application of the card emulation function of the A card (credit card) is started in the background after the power switch is turned off in the communication terminal device of the present embodiment. In the card emulation function of the A card (credit card), as shown in Table 1 above, the state when the power switch is OFF is set to invalid (inactive state).

  In FIG. 7, when the user turns off the power switch of the communication terminal device 10 and then holds the communication terminal device 10 over the R / W device 30, the card emulation function of the A card (credit card) is performed in the communication terminal device 10. Is started in the background, and a state confirmation request is transmitted from the main body of the communication terminal device 10 to the USIM 15. The USIM 15 confirms the status management information of the A card (credit card) when the power switch is set in the CRS applet, and communicates a confirmation result indicating that the card is invalid as a response to the confirmation request. It transmits to the main body of the terminal device 10. Based on the confirmation result received from the USIM 15, the main body of the communication terminal device 10 stops the activation of the UI application for the card emulation function of the A card (credit card). As a result, even if the UI application of the card emulation function of the A card (credit card) is about to be triggered by some event after the power switch is turned off, the use of the card emulation function can be prevented.

  FIG. 8 shows an example of processing when the contactless electronic payment service is used by using the card emulation function of the C card (traffic pre-card) when the power switch is turned off in the communication terminal device 10 of the present embodiment. FIG. In the card emulation function of the C card (traffic pre-card), as shown in Table 1, the state when the power switch is OFF is set to be valid (active state).

  In FIG. 8, when the user turns off the power switch of the communication terminal device 10 and then holds the communication terminal device 10 over the R / W device 30, the card of the C card (traffic prepaid card) in the communication terminal device 10. The UI application of the emulation function is started in the background, and a state confirmation request is transmitted from the main body of the communication terminal device 10 to the USIM 15. The USIM 15 confirms the status management information of the C card when the power switch is set to OFF in the CRS applet, and sends a confirmation result indicating that it is valid as a response to the confirmation request to the communication terminal device 10. Send to the device. The main body of the communication terminal device 10 continues the activation of the UI application for the card emulation function of the C card based on the confirmation result received from the USIM 15.

  Next, a service use request for requesting use of the electronic payment service of the C card is transmitted from the R / W device 30 to the USIM 15 attached to the communication terminal device 10.

  The USIM 15 determines whether or not there is a problem with the use of the electronic payment service of the C card based on the service use request from the R / W device 30, and if there is no problem, there is a problem with the use of the electronic payment service. A service use response indicating that there is no service is transmitted to the R / W device 30.

  The R / W device 30 transmits a payment processing request to the SP server 26 of the card payment service provider of the C card based on the service use response from the USIM 15.

  The SP server 26 executes settlement processing based on the settlement processing request received from the R / W device 30 and transmits a settlement completion notification to the R / W device 30.

  The R / W device 30 performs a payment completion display based on the payment completion notification received from the SP server 26 and transmits a payment completion notification to the USIM 15 of the communication terminal device 10.

  The USIM 15 transmits the payment completion notification received from the R / W device 30 to the main body of the communication terminal device 10 and updates the user-specific data of the C card stored in the USIM 15 based on the payment completion notification. . The communication terminal device 10 performs a payment completion display based on the payment completion notification received from the USIM 15.

  As described above, according to the present embodiment, the state management information for managing the valid and invalid states when the power switch is turned off is stored for each of the card emulation functions of a plurality of types of payment cards. Based on this state management information, the card emulation function when the power switch is turned off is enabled for a payment card such as a prepaid transportation system that gives priority to user convenience among a plurality of types of payment cards. Thus, it is possible to suppress a decrease in convenience. On the other hand, for other payment cards such as credit cards and electronic money that require high security, the card emulation function is disabled when the power switch is turned off to ensure security and prevent abuse of the card emulation function. it can. As described above, the validity and invalidity when the power switch is turned off can be individually set for each of the card emulation functions of a plurality of types of payment cards.

In the above embodiment, the case where the short-range wireless communication means for short-range wireless communication with the R / W device 30 is provided in the USIM 15 has been described. However, the present invention describes the R / W device 30 and the short-range wireless communication. The present invention can be similarly applied to a case where short-distance wireless communication means for communication is provided on the main body side of the communication terminal device 10.
In the above embodiment, the valid and invalid states of each of the card emulation functions of a plurality of types of payment cards under the condition that the power switch is turned off are managed, but the plurality of types of payments under other conditions are managed. The valid and invalid states of each card emulation function of the card may be managed.
For example, each of the card emulation functions of a plurality of types of payment cards in the operation lock state (lock screen display state) as an operation restriction state in which the power switch is turned on and the operation of the operation unit is restricted. The state may be managed. This operation lock state (lock screen display state) can be released so that the user can return to the normal operable state by performing a predetermined unlocking operation (for example, a predetermined password input operation). In this case, for payment cards such as transportation prepaid that prioritize user convenience among multiple types of payment cards, the card emulation function in the operation lock state is enabled to suppress the decrease in convenience. can do. On the other hand, for other payment cards that require high security, such as credit cards and electronic money, by disabling the card emulation function in the operation lock state, security can be secured and misuse of the card emulation function can be prevented. . As described above, validity and invalidity in the operation lock state can be individually set for each of the card emulation functions of a plurality of types of payment cards.

10 Communication terminal device 15 USIM
20 MNO-TSM server 25 SP-TSM server 26 SP server 30 Reader / writer device (R / W device)
40 Mobile communication network

“Softbank Mobile, Credit Saison, American Express, and AndroidTM Smartphone with NFC service started in Japan”, [online], November 15, 1999, [March 18, 2014 search] , Internet <URL: http://www.softbank.jp/corp/group/sbm/news/press/2011/20111115_01/>

Claims (7)

A communication terminal device having a card emulation function for emulating a payment card,
Providing short-range wireless communication means for performing short-range wireless communication with a payment terminal device,
An IC module in which subscriber identification information of a communication service via a mobile communication network is stored is detachable from the apparatus body,
The IC module is
Card information and individual programs for using the card emulation function for each of a plurality of types of payment cards, and managing the valid and invalid states of each of the card emulation functions of the plurality of types of payment cards under predetermined conditions Storage means for storing state management information ;
The apparatus main body is
The state of the card emulation function of the payment card corresponding to the payment terminal device stored in the IC module when the short-distance wireless communication means performs short-range wireless communication with the payment terminal device. Check the management information, and if the card emulation function of the payment card corresponding to the payment terminal device is enabled, the short distance from the payment terminal device based on the card information of the payment card and the individual program The UI application of the card emulation function of the payment card is activated so that the payment processing by the payment card can be performed by performing wireless communication, and the card emulation function of the payment card corresponding to the payment terminal device is disabled. If so, control to not start the UI application of the card emulation function of the payment card Communication terminal device according to claim and. The communication terminal device according to claim 1,
Power supply means;
A power switch that can be operated by the user;
When the power switch is OFF, the power supply control said for the short-range wireless a communication vehicle so that it can perform the settlement processing by the settlement card is controlled so as to continue the supply of power from said power supply means Means,
Under conditions in which pre-Symbol power switch is OFF, the based on the state management information, the for some payment card of the plurality of payment cards enable card emulation function, for other payment card Is a communication terminal device which disables the card emulation function. In the communication terminal device according to claim 1 or 2,
Operation means that can be operated by the user;
An operation control unit that has an operation restriction state in which the operation of the operation unit is restricted, and controls to release the operation restriction state by a predetermined user operation;
Under conditions in front Symbol operation restricting state, based on the state management information, the for some payment card of the plurality of payment cards enable card emulation function, card emulation for other payment card A communication terminal device characterized by invalidating a rate function. In the communication terminal device according to any one of claims 1 to 3,
A communication terminal apparatus further comprising switching means for switching between valid and invalid of each of the card emulation functions of the plurality of types of settlement cards managed by the state management information. In the communication terminal device in any one of Claims 1 thru | or 4,
Before hear over de emulate you disable settlement card function, the communication terminal apparatus which is a credit card or electronic money card. In one of the communication terminal apparatus 請 Motomeko 1 to 5,
The short-range wireless communication is communication based on the NFC (Near Field Communication) standard,
The state management information is property information set in a CRS (Contact Registry Service) applet defined in a global platform standard. A communication terminal device according to any one of claims 1 to 6 and a management server that manages the card emulation function in the communication terminal device, wherein the communication terminal device communicates with the management server via a communication network. An electronic payment system comprising network communication means.

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