JPH11184947A - Mobile radio telephone set terminal capable of inputting/ outputting electronic value, street loading terminal for loading electronic value into mobile radio telephone set terminal, electronic value issuing device, electronic value receiving device and electronic account settling method utilizing mobile radio telephone set terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable electronic account settlement only with a mobile radio telephone set terminal without using a personal computer or an IC card by filling the electronic value of a memory from a transfer source or paying the electronic value from the memory to the transfer destination. SOLUTION: The issue of the electronic value is instructed from a money reception/ dispensation managing data base 4 inside a credit company 3 for managing the electronic value to a value managing data base 5, and the value managing data base 5 transmits the electronic value corresponding to the desired amount transferred to the account of the credit company to a PHS terminal 1. The value managing data base 5 records a transmission record showing the transmission of the electronic value. The information by users recorded in the money reception/dispensation managing data base 4 and the value managing data base 5 is utilized for issuing a receipt or the like per month when the user purchases the electronic value from the credit company 3. The PHS terminal 1 displays the quantity of the electronic value sent from the credit company 3 and the transmission source and confirms the contents.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile radiotelephone terminal capable of inputting and outputting electronic value, a street filling terminal for filling the electronic value into the mobile radiotelephone terminal, an electronic value issuing device, an electronic value receiving device, and Electronic payment method using mobile radiotelephone terminal
The present invention relates to an electronic payment method in which an S terminal is used instead of a wallet.

[0002]

2. Description of the Related Art Conventional payment methods for purchasing goods and enjoying some services include a prepaid method, an immediate payment method, and a postpaid method. The prepaid method is a method in which a gift certificate, a coupon, a prepaid card, or the like is purchased in advance before purchasing a product or enjoying a service, and the prepaid card or the like is used at the time of payment.

[0003] The instant payment method is a method of paying in cash when purchasing a product or enjoying a service, or performing a payment by an immediate account transfer instruction. The immediate account transfer instruction is performed by a bank POS (a debit card in Europe) using a cash card issued by a bank. Postpay methods are based on the credit purchase of goods and services, using checks and credit cards,
It is a method to settle after that.

On the other hand, in a conventional payment method using electronic payment, electronic value (electronic money) is stored in an IC card (prepaid type) owned by a user and an auxiliary storage device of a personal computer, for example, a hard disk (credit). Type).

[0005]

In the above-mentioned prepaid method, it is necessary to purchase a gift certificate, a coupon, a prepaid card, etc. in advance, and if the user does not have these prepaid cards at the time of settlement, the payment is not made. There is a problem that can not be. Further, there is a problem that the value of these prepaid cards and the like decreases with use, and the reduced amount cannot be refilled. Furthermore, the usage range of these prepaid cards is limited for each type of card such as a telephone card and a metro card, and there is a problem that it is inconvenient since a card must be prepared for each application.

[0006] The above-mentioned instant payment method has a problem that cash payment cannot be executed unless cash is provided. The above-mentioned post-payment method requires a connection of a communication line between a payment place such as a store and an authorization (credit inquiry) institution, and has a problem that the procedure is complicated. In the above-mentioned conventional electronic payment method, in the method of storing electronic value in an IC card, in order to fill the IC card with the electronic value, it is necessary to go to a place provided with a filling device such as a financial institution or an ATM. There is a problem that it is inconvenient. In addition, there is another problem that, in the case of performing settlement by communication, settlement cannot be performed using an IC card alone, and a communication device must be connected to the IC card, and the system is complicated.

[0007] In the above-mentioned conventional electronic payment method, the method of storing electronic money on a hard disk of a personal computer has a problem that payment places such as stores are limited to use of virtual malls such as the Internet.
Also in this case, there is also a problem that, in the case of performing settlement by communication, the settlement cannot be performed by the personal computer alone, and the communication device must be connected to the personal computer, and the system is complicated.

SUMMARY OF THE INVENTION In view of the above-mentioned conventional problems, an object of the present invention is to provide a personal computer or an IC by providing a wallet function capable of storing electronic value in a mobile radiotelephone terminal such as a PHS terminal which has already become widespread. A mobile radiotelephone terminal capable of inputting / outputting electronic value, enabling electronic payment only with the mobile radiotelephone terminal without using a card, a street filling terminal for filling the electronic value into the mobile radiotelephone terminal, and issuing electronic value An electronic payment method using a device, an electronic value receiving device, and a mobile radiotelephone terminal.

Another object of the present invention is to provide an electronic settlement method using a mobile radiotelephone terminal that allows a user to charge electronic value at any place within a radio range without having to go to a financial institution or an ATM. To provide.

[0010]

In order to solve the above-mentioned problems, according to the present invention, there is provided a memory capable of storing an electronic value, and the electronic value of the memory is filled from a transfer source or transferred from the memory. A mobile radiotelephone terminal capable of inputting / outputting electronic value is provided, wherein an electronic value is paid first.

According to another aspect of the present invention, a filling terminal number for specifying a mobile radio telephone terminal is input to a keyboard, and cash corresponding to the amount of electronic value to be filled in the mobile radio telephone terminal is input from a cash input port. Then, stored in the memory, the electronic value of the electronic value amount corresponding to cash, characterized in that it is transmitted from the memory to the mobile radio telephone terminal, for filling the electronic value into the mobile radio telephone terminal Is provided.

According to still another aspect of the present invention, when the electronic value receiving mode is set, the electronic value corresponding to the purchase price is transmitted from the mobile radiotelephone terminal specified by the keyboard to the electronic value receiving device. An electronic value receiving apparatus for receiving an electronic value, wherein the electronic value receiving apparatus is stored in a memory.

The electronic value receiving device may be modified and used as an electronic value issuing device. According to still another aspect of the present invention, the mobile radiotelephone terminal has a memory capable of storing the electronic value, and the electronic value is filled in the memory from the transfer source, or the electronic value is paid from the memory to the transfer destination. An electronic payment method using a mobile wireless telephone terminal is provided.

[0014] Mobile radiotelephone terminals such as PHS terminals, which have already become widespread, can play a role of replacing a wallet, so that electronic settlement can be performed without using a personal computer or an IC card. In addition, the mobile wireless telephone terminal can be charged with electronic value at an arbitrary location within a radio range or a street charging device without the user having to go to a financial institution or an ATM.

[0015]

Embodiments of the present invention will be described below in detail with reference to the drawings. In the following description, an example in which a PHS terminal is used as a mobile radio telephone terminal will be described. However, the present invention is not limited to a PHS terminal, and any mobile radio telephone terminal such as a digital mobile telephone may be used.

Also, "electronic value" referred to below
Is information corresponding to cash, and may be information corresponding to service points given when purchasing goods and / or services at a store or the like. A service point is
It is a commercial service that can be redeemed for a corresponding product when a certain point is reached. Hereinafter, “electronic value” is described as information corresponding to cash. Embodiment 1 FIG. 1 is a schematic block diagram showing a communication system used for an electronic settlement method using a mobile radio telephone terminal according to a first embodiment of the present invention. In the figure, 1 is a PHS terminal, 2 is a communication network, 3 is a payment company that manages electronic value, 4 is a payment management database for each user and store in the payment company 3, and 5 is a payment company 3. 6 is a financial institution, 7 is a communication line connecting the settlement company 3 and the financial institution 6, 8 is a user account in the financial institution, and 9 is a settlement in the financial institution. It is a company account. The communication network 2 may be a public telephone network such as a PHS network, a dedicated communication network, or any other network.

FIG. 2 is a diagram mainly showing the appearance of the PHS terminal shown in FIG. 1, and FIG. 3 is a block diagram showing the configuration of the PHS terminal. As can be seen from FIG. 2, the PHS terminal 1 according to the embodiment of the present invention, like a normal PHS terminal, has a transmitting / receiving antenna 11, a receiver 12, a built-in ringer 13, a display unit 14, a power supply, Hook switch 15 for turning on / off hook and function button dial 17
And a transmitter 18. According to the embodiment of the present invention, in addition to these, the appearance is different from the conventional PHS terminal in that a value mode switch 16 is provided.

FIG. 3 is a block diagram showing the internal configuration of the PHS terminal 1 shown in FIG. As shown in FIG.
The terminal 1 includes a transmission / reception antenna 11, a receiver 12, a built-in ringer 13, a display unit 14, a power supply and a hook switch 15 for turning on / off a power supply and a hook, which are connected to a telephone circuit 32 including a CPU 31. A value mode changeover switch 16, a function button dial 17, a transmitter 18, a memory 3 for storing electronic value and a password.
3 is provided. Among them, the value mode changeover switch 16 and the electronic value and personal identification number storage memory 33 are added to the conventional PHS terminal according to the embodiment of the present invention.

FIG. 4 is a block diagram more specifically showing the configuration of the settlement company 3 shown in FIG. As illustrated, the settlement company 3 includes a computer 21 and this computer 21
And a communication control device 43 such as a modem and the like. The communication control device 43 is connected to the communication network 2.

The deposit and withdrawal management database 4 is a database for managing deposit and withdrawal associated with the use of electronic value for each user and each store in the electronic settlement method according to the embodiment of the present invention. The value management database 5 is a database that manages input and output of electronic value used for each user and each store in the electronic payment method according to the embodiment of the present invention.

The deposit / withdrawal management database 4 and the contents of the deposit / withdrawal management database 4 are updated each time the electronic value moves. The user database 41 has a user number,
It is a database that stores passwords, voiceprints, account numbers, and the like. The user number may be the user's telephone number, but may be any other number that can identify the user in the electronic value mode.

The store / merchandise database 42 is a database for storing merchandise handled, billing value (also referred to as electronic money), providing stores, account numbers, and the like in the electronic settlement method according to the embodiment of the present invention. User database 41
The contents of the store / product database 42 are registered in advance.

FIGS. 5 and 6 are flowcharts illustrating an electronic settlement method using a mobile radiotelephone terminal according to the first embodiment of the present invention. In FIG. 5, the user of the PHS terminal 1 turns on the terminal in step 51 in the same manner as in the conventional call mode. Next, at step 52, PH
When the user operates the value mode switch 16 (see FIGS. 2 and 3) of the S terminal 1, the PHS terminal 1 is changed to an electronic value charging environment (hereinafter referred to as an electronic value charging mode). Here, the electronic value charging mode refers to a mode in which information corresponding to cash, which is electronic value, is input to the electronic value storage memory 33 in the PHS terminal 1.

Next, in step 53, in order to prevent unauthorized use of the electronic value filling mode by a third party, the user inputs a password for authenticating the user using the dial 17, The voiceprint is input from the transmitter 18. Then, in step 54, the input password is compared with the electronic value stored in the PHS 1 and the password stored in the password storage memory 33. As a result of the comparison, if they do not match, in step 70 (see FIG. 6), the restriction on the use of the electronic value charging mode by the user is not released (that is, the user is not allowed to use the electronic value charging mode), and the normal communication mode is set. If the result of the comparison is a match, step 5
In step 5, the user restriction is released, and the process proceeds to step 56, where connection with the settlement company 3 is established. This connection is made via the communication network 2.

Next, at step 57, the user inputs a value corresponding to the desired charge amount to the PHS terminal 1 using the dial 17. After the input is completed, when the user presses the send button of the function button dial 17, the user's number, personal identification number, and voiceprint are settled from the PHS terminal 1 to the settlement company 3 via the communication network 2. Sent to company 3. In step 58, the settlement company 3 receives the number, password and voiceprint transmitted from the PHS terminal 1, and in step 59 the user database searched using the number stored in the user database 41 as a key. The personal identification number and the voice print in 41 are compared with the personal identification number and the voice print sent from the PHS terminal 1. As a result of this comparison, if at least one of the password and the voiceprint do not match, the process proceeds to step 60, where the display device of the PHS terminal 1 indicates that an authentication error has occurred, and the normal call mode is set. This prevents unauthorized use of the electronic value charging mode by a third party.

If the comparison results in step 59, the process proceeds to step 61, where the user's financial institution account number stored in the user database 41 in the settlement company 3 is
Specify the user number as a key. Then step 6
At 2, the settlement company 3 instructs the financial institution with the user's account to withdraw the amount corresponding to the desired electronic value amount to be charged. This instruction is performed via a communication line 7 different from the communication line network 2. When the settlement company 3 issues the withdrawal instruction, the withdrawal instruction is recorded in the deposit / withdrawal management database 4 for the user.

Next, the designated financial institution 6 checks the balance of the account designated to be debited in step 63 and, if the balance is insufficient, notifies the settlement company 3 to the settlement company 3 via the communication line 7 that the balance is insufficient. The settlement company 3 sends a message to the PHS terminal 1 to the effect that the deposit is insufficient at step 64. The PHS terminal 1 receives this message in step 65 and displays on the display unit 14 that the balance is insufficient.

If the balance of the account designated to be debited is not insufficient in step 63, the process proceeds to step 66, in which the desired amount to be charged is deducted from the user account in the financial institution 6 to the settlement company account. When the withdrawal is made, the financial institution 6 notifies the settlement company 3 of the completion of the withdrawal via the communication line 7. The notices are compared, and if they match, it is determined that the settlement company 3 has received payment from the user account 8 to the settlement company account 9.

Next, in step 67, an instruction for issuing an electronic value is issued from the deposit / withdrawal management database 4 in the settlement company 3 to the value management database 5, and the value management database 5 sends an electronic value corresponding to the desired amount of money withdrawn to the settlement company account. The value is transmitted to the PHS terminal 1. In the following description, transmission of electronic value means to decrease the electronic value in the memory of the transmission source and to increase the same amount of electronic value in the memory of the transmission destination, or to transmit data called the electronic value to the transmission source. This means sending from the memory to the destination memory.

A transmission record indicating that the electronic value has been transmitted is recorded in the value management database 5. Deposit and Withdrawal Management Database 4 and Value Management Database 5
Is used to issue a monthly receipt or the like when the user purchases the electronic value from the settlement company 3. In addition, the value of the deposit recorded in the deposit / withdrawal management database 4 for each user should match the amount corresponding to the issue amount recorded in the value management database 5, and this coincidence is detected. In order to prevent unauthorized use of electronic value, a deposit / withdrawal management database 4 and a value management database 5 are used.

In step 68 following step 67, P
The HS terminal 1 displays the electronic value amount and the transmission source sent from the settlement company, and confirms the display contents in step 69. As a result of this check, if the electronic value amount is not equal to the filling request amount or the transmission source is different from the designated transmission source, the process proceeds to step 70 and returns to the normal call mode. Saves the electronic value that has not been transmitted to the user as untransmitted in the value management database 5.

If the electronic value amount equal to the charging request amount is displayed in the confirmation in step 69 and the transmission source matches the specified transmission source, the electronic value charging is completed in step 71 and Return to normal call mode. Thus, as long as the PHS base station exists within the range where the radio wave from the PHS terminal 1 can reach, anytime and anywhere,
The PHS terminal 1 held by the user can be charged with an electronic value corresponding to a desired amount. That is, the PHS terminal 1 can be charged with an electronic value corresponding to any desired amount within the range of the balance deposited in the user account of the financial institution. Embodiment 2 FIG. 7 is a schematic block diagram showing a communication system used for an electronic settlement method using a mobile radio telephone terminal according to a second embodiment of the present invention. In the figure, the same components as those in FIG. 1 are denoted by the same reference numerals, and description thereof is omitted here. The only difference from FIG. 1 is that in FIG. 7, a network-type street filling device 70 is provided between the PHS terminal 1 and the communication network 21. In this case, a telephone network or a dedicated line is used as the communication network 21, and a PHS network is not used.

That is, in this embodiment, the PHS terminal 1 is filled with electronic value at any time by using the street filling device 70 provided at a value issuing member store such as a street, a convenience store, or a kiosk. It can be so. FIG. 8 is a perspective view showing an example of the street filling device 70. As shown in the figure, the street filling device 70 includes a terminal setting section 81 for setting the PHS terminal 1 when electronic value is desired to be charged, and a keyboard for inputting a number for specifying the set PHS terminal 1 for storing the electronic value. 8
2, a cash slot 83, and a display unit 84.
The terminal set section 81 is provided with a transmitting / receiving antenna for transmitting / receiving to / from the PHS terminal 1.

Communication between the PHS terminal 1 and the street filling device 70 may be performed via a communication network such as a PHS network, or radio waves may be transmitted between the PHS terminal 1 and the street filling device 70. It may be performed by directly transmitting and receiving without passing through a network. Thus, the PHS terminal 1 and the street filling device 7
In the case where the communication with 0 is performed directly by radio waves without passing through a communication network, it is needless to say that the communication is performed using radio wave intensity and frequency in a range that does not violate laws such as the Radio Law and the Telecommunications Business Law.

The PHS terminal 1 is set in the terminal setting section 81 so that the PHS terminal 1 and the street filling device 70 are electrically or optically connected to each other. Communication between them may be performed directly by a contact type without using radio waves. In the following description, communication between the PHS terminal 1 and the street filling device 70 is performed by directly transmitting and receiving radio waves therebetween.

FIG. 9 is a system configuration diagram of the street filling device 70. In FIG. 9, a street filling device 70 has a CPU 91.
And a transmitting / receiving antenna 92 with a terminal connected thereto, a cash counter 93, a filling terminal destination number input keyboard 9
4 (corresponding to the keyboard 82 in FIG. 8);
(Corresponding to the display unit 84 in FIG. 8), a memory 96, and a communication control device 97. The communication control device 97 is connected to the settlement company via the communication network 21.

Although the street filling device 70 shown in FIG. 9 is a network type street filling device having the communication control device 97, it may be a stand-alone type street filling device having no communication control device 97. In the case of a network-type street filling device, the settlement company 3 monitors the street filling device 70 via the communication network 21 and when the electronic value in the street filling device 70 becomes insufficient, the settlement company 3 sends the street filling device 70.
Is filled with electronic value. In the stand-alone type street filling device, a settlement company entrusts monitoring of the street filling device to an administrator of a member store in which the street filling device is installed. The settlement company fills the street filling device with the electronic value as required after receiving a notification from the member store.

FIGS. 10 and 11 are flowcharts illustrating an electronic settlement method using a mobile radiotelephone terminal according to a second embodiment of the present invention. 10, steps 101 and 102 correspond to steps 51 and 5 in FIG.
Same as 2. In step 103, a password for authentication is entered to prevent unauthorized use.
In step 4, the personal identification number stored in the PHS terminal 1 is compared with the input personal identification number. As a result of this comparison, if they do not match, the user does not cancel the use of the electronic value charging mode, and returns to the normal call mode in step 108. As a result of the comparison, if they match, the process proceeds to step 105, where the user restriction is released, and in step 106, the desired charge amount is input to the PHS terminal 1. Next, at step 107, the PHS terminal 1 is set to the terminal setting section 81 of the street filling device 70.
(See FIG. 8). Next, in step 109, the user inputs the PH from the key board 82 of the street filling device 70.
The number of the S terminal 1 is input, and the PHS terminal 1 is specified thereby.

In the street filling device 70, it is determined in step 110 in FIG. 11 whether the terminal set in the terminal setting section 81 is a terminal having an electronic value management capability.
Step 1 if it is determined that the terminal is not an electronic value terminal
At 11, a terminal error is displayed on the display unit 84, and the user takes out the PHS terminal 1 from the terminal set unit 81 at step 112.

If it is determined in step 110 that the terminal is an electronic value terminal, the user inserts cash into the cash slot 83 of the street filling device 70 in step 113. Next, at step 114, the desired amount and the inserted amount are displayed on the display unit 84, and at step 115, the desired amount and the inserted amount are compared. Step 11 until the desired amount becomes less than the input amount
Repeat steps 3 to 115. When the desired amount is equal to or less than the input amount, the PHS terminal 1 is charged with the electronic value corresponding to the desired amount in step 116, and the PHS
The terminal 1 is taken out from the terminal set section 81.

In this way, the PHS terminal 1 held by the user can be charged with electronic value corresponding to a desired amount of money at any place where the street filling device exists. That is, the PHS terminal 1 can be charged with an electronic value corresponding to any desired amount of money in the same manner as purchasing a prepaid card. 7 and 9, the electronic value amount stored in the memory 96 of the street filling device 70 is monitored by the settlement company 3 via the communication line 21, and the electronic value amount in the memory 96 is When the value becomes lower than the fixed amount, an electronic value is issued from the value management database 5 and the memory 9 of the street filling device 70 is
6 is stored. The operations of the settlement company 3 and the financial institution 6 in this case are almost the same as those described with reference to FIGS. To explain again, the settlement company 3 instructs the financial institution with the account of the member store in which the street filling device 70 is installed to withdraw the amount corresponding to the filling, and issues this withdrawal instruction, and then issues the withdrawal instruction. It is recorded in the deposit / withdrawal management database 4 corresponding to the user.

Next, the designated financial institution 6 checks the balance of the account designated to be debited, and if the balance is insufficient, notifies the settlement company 3 via the communication line 7 that the balance is insufficient. The company 3 transmits a message to the effect that the deposit is insufficient to the street filling device 70. Street filling equipment 7
In response to this message, the affiliated store where 0 is installed transfers the shortage amount to the user account 8 of the affiliated store of the financial institution.

If the balance of the account designated to be debited is not insufficient, the desired amount of the charge is deducted from the user account 8 of the affiliated store in the financial institution 6 to the settlement company account 9. When the withdrawal is made, the financial institution 6 notifies the settlement company 3 of the completion of the withdrawal via the communication line 7. The notices are compared, and if they match, it is determined that the settlement company 3 has received payment from the user account 8 to the settlement company account 9.

Next, an instruction for issuing an electronic value is issued from the deposit / withdrawal management database 4 in the settlement company 3 to the value management database 5, and the value management database 5 fills the street with the electronic value corresponding to the desired amount of money that has been debited to the settlement company account. Transmit to the device 70. Then, a transmission record indicating that the electronic value has been transmitted is recorded in the value management database 5. Deposit and Withdrawal Management Database 4
The information for each user recorded in the value management database 5 is used for issuing a monthly receipt or the like when the member store purchases the electronic value from the settlement company 3.

Further, the value of the deposit recorded in the deposit and withdrawal management database 4 for each member store should coincide with the issued amount recorded in the value management database 5, and this coincidence is detected. A deposit / withdrawal management database 4 and a value management database 5 are used to prevent unauthorized use of electronic value. The above is the case of the network-type street filling device. In the case of the stand-alone, the manager of the member store that has installed the street filling device monitors the electronic value amount in the street filling device. The settlement company fills the memory 96 with the electronic value as appropriate upon receiving a notification from the member store.

Each member store reports the amount of issued electronic value to the settlement company. As a result, the settlement company can grasp the issuance amount of all the electronic values on the market. Embodiment 3 FIG. 12 is a block diagram illustrating a third embodiment of the present invention. As shown, in this embodiment, the electronic value is transferred from the PHS terminal 1a to the PHS terminal 1b via the communication line 2.

FIGS. 13 and 14 are flowcharts illustrating an electronic settlement method using a mobile radiotelephone terminal according to the third embodiment of the present invention. 10, steps 131 to 136 are the same as steps 101 to 106 of FIG. 10 except that the terminal is changed to the electronic value payment mode in step 132.
The description is omitted here.

If the passwords do not match in step 134, the process returns to the normal call mode in step 140 without releasing the user restriction. In step 134, the passwords match,
When the user restriction on the PHS terminal 1a is released in step 135, the number of the transfer destination PHS terminal 1b is input in step 136. The number in this case may be a telephone number or any other number that specifies the PHS terminal. At step 137, the PHS terminal 1b
Check the incoming call from a.

The PHS terminal 1a inputs the amount of electronic value to be transferred to the PHS terminal 1 in step 138. Next, at step 139, the remaining amount of electronic value in the PHS terminal 1a is checked, and steps 138 and 139 are repeated until a transfer value smaller than the remaining amount is input. Next, at step 140, the transfer value is transmitted to the transfer destination PHS terminal 1b. At the transfer destination PHS terminal 1b, the electronic value reception is confirmed in advance at step 142, and the PHS terminal 1b is changed to the electronic value charging mode at step 143. That is, the PHS terminal 1b is changed to an environment for charging electronic value.

Next, in step 144, the personal identification number of the PHS terminal 1b is input, and in step 145, it is determined whether or not the personal identification number matches the personal identification number stored in the PHS 1b in advance. In the case of a mismatch, the transfer is notified to the transfer source PHS terminal 1a, and the PHS terminal 1a confirms that the electronic value cannot be transmitted. Step 145
If it is determined that the PHS terminal 1b is the transfer destination, the user restriction of the transfer destination PHS terminal 1b is released. Next, at step 148, the electronic value amount and the transmission source are displayed, and at step 149, the display is confirmed. As a result of this confirmation, if the transfer is refused or if it is determined that the transferred electronic value amount and / or the transmission source is inappropriate, the transfer source PHS
The terminal 1a is notified of the fact, and confirms that the PHS terminal 1a cannot transmit the electronic value.

As a result of the confirmation in step 149, if it is determined that the amount of electronic value to be transferred and the transmission source are appropriate, the remaining amount is increased by the amount transferred in step 150, and the filling is completed. The PHS terminal 1a reduces the remaining amount by the amount transferred in step 151 and ends the transmission of the electronic value. Thus, the transfer and transfer of the electronic value can be performed between the PHS terminals.

Since the above-mentioned transfer and transfer usually go through the communication network 2, a fee is charged for the transfer and transfer. However, if the PHS terminals 1a and 1b are slave units registered in a common master unit, a call can be made between the slave units without passing through the communication line 2 (see FIG. 1). Therefore, in this case, no charge is made for the above-mentioned transfer and transfer. Embodiment 4 FIG. 15 is a system block diagram for explaining a fourth embodiment of the present invention. In the figure, the PHS terminal 1a and the PHS
A telephone call is made with the terminal 1b via the communication line 2. In this telephone call, a fee is charged to any of the PHS terminals from the communication company 121. In this embodiment, the payment for this charge is made by using the electronic value held by the PHS terminal, and the settlement company 122 transfers the amount corresponding to the electronic value from the settlement company account 124 to the communication company account 125.

FIG. 16 is a flow chart showing a method of setting a mode in which a PHS terminal pays a call charge by electronic value in this embodiment. As shown, step 1
At 61, for example, the PHS terminal 1a as in the normal call mode
The power is turned on by turning on the power switch 15 (see FIG. 2), and in step 162, a pre-registered password for permitting the selection operation of the payment mode is input from the function button dial 17. And step 16
At 3, the function button dial 17 is used to pay for billing by telephone in cash or not.
Select the payment mode of whether or not to make payment with the electronic value stored in. Then, in step 164, the power is turned off, and the payment mode selection operation ends.

Thus, even if the third party uses the PHS terminal 1a, if the payment mode for billing is set to the electronic value payment mode, only the electronic value stored in the PHS terminal 1a can be used for communication. Therefore, it is possible to prevent a problem that the user is used for a long time without permission and is charged a huge amount. Since only the person who knows the password can change the payment mode, it is possible to prevent a third party from changing the payment mode without permission.

FIGS. 17 and 18 are flowcharts showing the transfer processing to the communication company when using the PHS terminal set in the electronic value payment mode described in FIG. In FIG. 17, when the power of the PHS terminal 1a is turned on in step 171, the display unit 14
(Refer to FIG. 2), the remaining electronic value fee in the PHS terminal 1a is displayed. Next, in step 173, the telephone number of the other party with whom the user wants to talk is dialed, and when the call is started, a decrease in the electronic value during the talking is displayed in real time in step 174. That is, the talk time during the conversation is PH
The CPU 31 (see FIG. 3) in the S terminal 1a sequentially calculates and removes the electronic value amount corresponding to the call time from the memory 33 and discards it, and constantly displays the remaining electronic value amount in the memory 33 during a conversation. . When the remaining electronic value becomes zero, the call is interrupted. Before the remaining electronic value becomes zero, the hook-on switch 1
When the conversation is ended by turning on the number 5, the communication company 123 converts the talk time during this conversation into an electronic value in step 176, and specifies a value corresponding to the electronic value in step 177 to identify the communication company. The number is transmitted to the settlement company 122 together with the number to be set.

The settlement company 122 specifies the financial institution account number of the communication company 121 based on the number from the communication company 121. Next, at step 179, the settlement company 122 instructs the financial institution 123 having the account of the settlement company to transfer the amount corresponding to the value corresponding to the electronic value from the settlement company account 124 to the communication company account 125.

In step 180, the financial institution 123 receives the above instruction from the settlement company account 124 to the communication company account 12.
The amount corresponding to the value corresponding to the electronic value is transferred to 5. Thus, the user of the PHS terminal sets the electronic value payment mode, and reduces the cost of the call to the PH value.
Payment can be made using the electronic value stored in the S terminal. By locking the PHS terminal in the electronic value payment mode, it is possible to prevent a third party from using the PHS terminal without restriction, thereby preventing unexpected call charges from being charged. Fifth Embodiment FIG. 19 is a schematic block diagram showing a communication system used for an electronic settlement method using a mobile radio telephone terminal according to a fifth embodiment of the present invention. In the figure, the same components as those in FIG. 1 are denoted by the same reference numerals,
Here, the description is omitted. 1 in that a manned store 190 is provided between the PHS terminal 1 and the communication network 22 in FIG.
2 is the only financial institution 191 shown.

That is, in this embodiment, the electronic value receiving device provided in the attended store 190 which is a member of the settlement company 3 in order to use the electronic value using method using the mobile radio telephone terminal according to the present invention. By using the service, payment can be made at any time with electronic value stored in the PHS terminal 1 in exchange for goods or services.

FIG. 20 shows the electronic value receiving apparatus 2
FIG. 21 is a perspective view showing an example of an external appearance of the electronic value receiving device 201, and FIG. As shown in FIG. 20, the electronic value receiving apparatus 201 has a function of a base station of a PHS terminal in addition to a function of a POS terminal arranged at a cash payment place of a manned store such as a supermarket. FIG. 20 and FIG.
As shown in FIG. 1, the electronic value receiving device 201
A transmitting / receiving antenna 202 for transmitting / receiving to / from a PHS terminal, a display unit 203 for an operator, a value mode changeover switch 204 for switching from a normal cash receiving mode to an electronic value receiving mode, and exchange for goods or services. A display unit 205 for displaying the billing value to the user, a number input keyboard 206 for inputting a number for specifying the PHS terminal of the user,
The system includes a billing value input keyboard 207 for an operator to enter a billing value, a memory 211 for storing electronic values, a communication control device 212 for controlling communication with a settlement company, and a CPU 213 for controlling these. ing.

FIGS. 22 and 23 are flowcharts for explaining an electronic settlement method using a mobile radiotelephone terminal according to the fifth embodiment of the present invention. As a premise of this flowchart, the user having the PHS terminal 1 is in the manned store 190 and has received or has already received the provision of a certain product or service, and the payment is made by electronic value using the PHS terminal 1. Suppose you are going to. In addition, the manned store 190 has joined the settlement company in order to use the electronic value utilization method using the mobile radio telephone terminal according to the present invention.

In FIG. 22, steps 221, 22
2, 225, 226 and 227 correspond to step 101 in FIG.
To 105, and the description is omitted here. In the present embodiment, when it is determined in step 222 that the PHS terminal 1 is to be changed to the electronic value payment mode, the value mode switch 204 of the electronic value receiving device 201 is set in step 223 even in a manned store. The operator (or clerk) switches to change to the electronic value receiving environment. Then, the user inputs the billing value amount of the provided goods and / or services from the billing value input keyboard 207. The billing value amount is displayed on the user display unit 205.

On the user side, when the passwords match in step 226, the restriction of the user is released in step 227, and in step 228, the user inputs the number from the number input keyboard 206 in the electronic value receiving device 201 of the store. Enter the number for specifying the PHS terminal to be used. This number may be a telephone number or any other number. Since the electronic value receiving apparatus 201 has already been changed to the electronic value receiving environment in step 223, if a number is input to the number keyboard in this state, a call is made to the PHS terminal specified by the number.

When the number of the PHS terminal 1 is input in step 228, in the manned store 190, the electronic value receiving device 201 determines in step 229 that the call from the receiving device 201 has been connected to the PHS terminal 1. Make sure. The user proceeds to step 2 following step 228.
At 30, the payment value amount displayed on the user display unit 205 is input to the PHS terminal 1, and at step 231 until the payment value input smaller than the remaining amount is input at step 231.
Repeat steps 30 and 231. If there is a payment value input less than the remaining amount, the PHS terminal 1 proceeds to step 232.
Electronic value receiving device 20
Send to 1.

In step 233, the electronic value receiving apparatus 201 confirms in advance that the value has been received. In step 234, the payment value, the connection destination, and the billing value are displayed on the operator display unit 203. Then, in step 235, the clerk compares the payment value amount with the billing value amount while looking at the display unit 201, and notifies the user if they do not match in step 2
Returning to step 30, the user inputs the payment value into the PHS terminal 1 again. If they match in step 235, the fact is notified to the PHS terminal 1, and the PHS terminal 1 receives this notification and transmits the payment value in step 236.

The electronic value receiving apparatus 201 receives the payment value and confirms the receipt at step 237. At step 238, the billing value is transmitted to the settlement company 3 together with the store information and a transfer instruction to the account of the store. The transmission is performed via the network 2. The settlement company 3 designates the financial institution account number of the store in step 240 based on the store information and the transfer instruction as shown in FIG. Then, in step 241, the amount corresponding to the value received from the store from the financial institution 6 having the account of the settlement company is transferred to the member store account 192 of the financial institution 191 having the store account (member store account). An instruction is given to the financial institution 6.

Next, the financial institution 6 transfers an amount corresponding to the value from the account of the settlement company to the account of the member store. In this way, after receiving or already receiving the provision of some product or service in the manned store 190, the user having the PHS terminal 1 can use the PHS terminal 1 to send an electronic value receiving device in the store. You can pay electronic value equivalent to the price.

The number input to the number input keyboard 206 of the electronic value receiving device 201 may be a telephone number or any other number for specifying a PHS terminal. P at a predetermined position of the electronic value receiving device 201
It is also possible to set the HS terminal 1, connect the electronic value receiving device 201 to the PHS terminal 1 by contact without using radio waves, and send the payment value from the PHS terminal 1 to the electronic value receiving device 201 by contact. .

In the above description of the fifth embodiment, an example has been described in which the user pays for the goods and / or services received using the electronic value stored in the PHS terminal. Then, the electronic value receiving device can be used as an electronic value issuing device, and the PHS terminal can be filled with the electronic value in exchange for cash at a store where the electronic value receiving device is arranged. In this case, the value mode changeover switch 204 in FIGS. 20 and 21 switches between the cash receiving mode and the electronic value issuing mode. And, when it is set to the electronic value issue mode,
The amount of electronic value designated by the billing value input keyboard 207 is transmitted from the memory 211 to the mobile radiotelephone terminal.

The electronic value receiving device and the electronic value issuing device may be separate devices or may be integrated devices. In the case of integration, the value mode changeover switch 204 is simply switched between a cash receiving mode, an electronic value receiving mode, and an electronic value issuing mode, so that the CPU 213 performs an operation corresponding to each mode. I just need. Embodiment 6 FIG. 24 is a schematic block diagram showing a communication system used for an electronic settlement method using a mobile radio telephone terminal according to a sixth embodiment of the present invention. In FIG. 19, the same components as those in FIG. 19 are denoted by the same reference numerals, and description thereof is omitted here. The difference from FIG. 19 is that, in FIG.
0 is connected to the communication network 22, and the PHS
The only difference is that the terminal 1 directly accesses the communication network 22 wirelessly without going through a store. In an unmanned store, devices such as vending machines and game machines that provide unmanned products and services are arranged. According to this embodiment of the present invention, an electronic value receiving device is arranged in such an unmanned store.

That is, in this embodiment, the electronic value receiving device provided in the unmanned store 240 affiliated with the settlement company 3 to use the electronic value using method using the mobile radio telephone terminal according to the present invention is used. By using the service, payment can be made at any time with electronic value stored in the PHS terminal 1 in exchange for goods or services.

FIG. 25 shows the electronic value receiving apparatus 2
FIG. 4 is a schematic block diagram illustrating an example of a reference numeral 50. In the figure, the same parts as those of the electronic value receiving apparatus 201 shown in FIG. 21 are denoted by the same reference numerals, and description thereof will be omitted. The difference from the electronic value receiving apparatus 201 of FIG. 21 is that there is no operator since it is an unmanned store.
2 in place of the billing value input keyboard 207 of FIG.
5 is provided with a product / service selection button 251 and the value mode switch 2 shown in FIG.
04, the operator display unit 205, and the number input keyboard 206 do not exist in FIG.

The value mode changeover switch 20
4 is an electronic value receiving device 25 in this embodiment.
0, the mode may be switched between a cash selling mode and an electronic value selling mode. In the following description, it is assumed that the electronic value receiving device 250 is fixed in the electronic value selling mode. FIG.
27 is a flowchart illustrating an electronic settlement method using a mobile radio telephone terminal according to a sixth embodiment of the present invention.

In FIG. 26 and FIG. 27, step 2
Steps 61 to 265 are the same as steps 101 to 105 in FIG. 10, and a description thereof will be omitted. Step 264
If the passwords match, the user restriction is released in step 265, and in step 266 a number for specifying the electronic value receiving device 250 of the store is input. In step 228 of FIG. 22, the number for specifying the PHS terminal possessed by the user is input using the number key board 206 provided in the electronic value receiving device 201, but the electronic value receiving device installed in the unmanned store is input. In the present embodiment using the device 250, attention is paid to inputting a number for specifying the electronic value receiving device 259 of the store. This is also the case for unmanned stores
If you enter a number that identifies the HS terminal,
A third party who does not have an S terminal can use P
It is conceivable to input a number for specifying the HS terminal, and if the PHS terminal happens to be in the electronic value payment mode, it is to avoid a situation where the electronic value is paid against the owner's will.

In the unmanned store 240, the electronic value receiving device 250 confirms in step 270 whether or not the specified number has arrived. The user inputs the payment value amount to the PHS1 at step 267 following step 266, checks the remaining amount displayed on the display unit 14 at step 268, and proceeds to step 269 if the remaining amount is larger than the payment value amount. The payment value amount is transmitted to the electronic value receiving device 250 in the unmanned store. The electronic value receiving device 250 confirms in advance in step 271 the receipt of the payment value amount.

Next, in step 272, the user presses a product / service selection button 251 in the electronic value receiving device 250 to select a product or service to be received. Step 2 after this
The processes of 73 to 278 and 280 to 282 are the same as steps 234 to 238 and steps 240 to 242 in FIGS.

In this way, even if the user is in the unmanned store 240 where no clerk is present, after receiving or already receiving any product or service, the user having the PHS terminal 1 can use the PHS terminal 1 to store the product or service. It is possible to pay an electronic value corresponding to the price to the electronic value receiving device in the inside. Seventh Embodiment FIG. 28 is a schematic block diagram showing a communication system used in an electronic settlement method using a mobile radio telephone terminal according to a seventh embodiment of the present invention. 24, the same components as those in FIG. 24 are denoted by the same reference numerals, and description thereof is omitted here. The difference from FIG. 24 is that, in FIG. 28, a member store 285 for telephone shopping in a virtual mall or catalog sales on the Internet instead of the unmanned store 240 in FIG.
Is connected to the settlement company 3 without passing through the communication line network 2. The dotted line 286 in FIG.
This indicates that the communication between the payment server 85 and the settlement company 3 is performed by some means such as telephone, facsimile, or handing over of information. Of course, the member store 285 and the settlement company 3 may communicate via the communication network 2.
The member store 285 can receive the amount of the electronic value from the settlement company in exchange for the provision of the goods and services purchased by the user of the PHS terminal 1 by paying the electronic value to the settlement company.

That is, in this embodiment, in order to use the electronic value utilization method using the mobile radio telephone terminal according to the present invention, a virtual mall such as a virtual mall on the Internet or a catalog store affiliated with the settlement company 3 is used. The merchandise or service can be received from a member store 285 at any time, and in return, payment can be made using the electronic value stored in the PHS terminal 1.

FIGS. 29 and 30 are flowcharts illustrating an electronic settlement method using a mobile radiotelephone terminal according to the seventh embodiment of the present invention. 29 and FIG. 30, steps 291 to 295 correspond to step 5 in FIG.
It is the same as 1 to 55, and the description is omitted here. If the passwords match in step 294, step 29
In step 296, the settlement company 3 is connected to the PHS terminal 1 in step 296.

The settlement company 3 confirms the incoming call from the PHS terminal 1 in step 297, receives the telephone number, password, and voiceprint of the received PHS terminal in step 298, and receives the password and voiceprint in step 300. It is determined whether or not the password matches a previously registered password and voiceprint, respectively. If at least one of the received password and the voiceprint does not match the previously registered password and the voiceprint, an authentication error is displayed on the display unit 14 of the PHS terminal 1 in step 311, and a normal call is performed in step 312. Return to mode. If they match, the process proceeds to step 301.

The user selects a product or service desired to be received in step 299 after step 296.
The settlement company 3 searches in step 301 for the billing value of the product or service selected in step 299. On the other hand, the user sets the payment value amount to PH in step 302.
Input to the S terminal 1 and check the remaining amount in step 303. If the remaining amount is larger than the payment value amount, step 30
Proceeding to 4, the payment value amount is transmitted to the settlement company 3.
The settlement company 3 confirms in advance in step 305 that the payment value amount has been received. Subsequent steps 306-3
10 and 313 to 315, except that the settlement company 3 places an order with the merchandise providing store (member store 285) in step 310 and the store (member store 285) confirms the order from the user in step 316. Steps 273 to 278 and 280 to 282 in FIGS. 26 and 27 are the same as those in FIGS.

After confirming that the account has been paid, the member store 285 that has received the order delivers the ordered product to the user by mail, home delivery, or the like. In this way, when receiving any product or service even in the virtual mall on the Internet or the member store 170 for telephone shopping in catalog sales, the user having the PHS terminal 1 can use the PHS terminal 1. Payment of the electronic value corresponding to the payment to the settlement company by using the PHS terminal 1 to transfer goods or services from the virtual mall to the member store account by transferring the amount corresponding to the electronic value from the settlement company. Can be purchased.

[0082]

As is apparent from the above description, according to the present invention, a personal computer can be provided by providing a wallet function capable of storing electronic value in a mobile radio telephone terminal such as a PHS terminal which is already widely used. Electronic payments can be made using only the mobile radiotelephone terminal without using a smart card or an IC card, and the mobile radiotelephone terminal can be charged with the required electronic value at any time and anywhere, and can be provided with goods and services. This is very convenient.

[Brief description of the drawings]

FIG. 1 is a schematic block diagram showing a communication system used in an electronic payment method using a mobile radio telephone terminal according to a first embodiment of the present invention.

FIG. 2 is a diagram showing an appearance of the PHS terminal shown in FIG.

FIG. 3 is a block diagram showing a configuration of a PHS terminal shown in FIG.

FIG. 4 is a block diagram more specifically showing the configuration of the settlement company 3 shown in FIG.

FIG. 5 is a part of a flowchart illustrating an electronic payment method using a mobile radiotelephone terminal according to the first embodiment of the present invention.

FIG. 6 is another part of the flowchart illustrating the electronic payment method using the mobile radio telephone terminal according to the first embodiment of the present invention.

FIG. 7 is a schematic block diagram showing a communication system used for an electronic settlement method using a mobile radio telephone terminal according to a second embodiment of the present invention.

8 is a perspective view showing a configuration example of the street filling device 70 shown in FIG.

9 is a block diagram showing a configuration of the street filling device 70 shown in FIG.

FIG. 10 is a part of a flowchart illustrating an electronic payment method using a mobile radiotelephone terminal according to a second embodiment of the present invention.

FIG. 11 is another part of the flowchart for explaining the electronic settlement method using the mobile radio telephone terminal according to the second embodiment of the present invention.

FIG. 12 is a block diagram illustrating a third embodiment of the present invention.

FIG. 13 is a part of a flowchart illustrating an electronic payment method using a mobile radio telephone terminal according to a third embodiment of the present invention.

FIG. 14 is another part of the flowchart for explaining the electronic settlement method using the mobile radio telephone terminal according to the third embodiment of the present invention.

FIG. 15 is a block diagram illustrating a fourth embodiment of the present invention.

FIG. 16 is a flowchart showing a payment mode selection operation in the fourth embodiment of the present invention.

FIG. 17 is a flowchart showing a part of a transfer process to a communication company when using a PHS terminal set in the electronic value payment mode described in FIG. 16;

FIG. 18 is a flowchart showing another part of the transfer processing to the communication company when using the PHS terminal set in the electronic value payment mode described in FIG.

FIG. 19 is a block diagram illustrating a fifth embodiment of the present invention.

20 is a perspective view showing an appearance of the electronic value receiving device 140 in the manned store shown in FIG.

21 is a block diagram showing a configuration of an electronic value receiving device 140 in the manned store shown in FIG.

FIG. 22 is a part of a flowchart illustrating an electronic payment method using a mobile radio telephone terminal according to a fifth embodiment of the present invention.

FIG. 23 is another part of the flowchart for explaining the electronic settlement method using the mobile radio telephone terminal according to the fifth embodiment of the present invention.

FIG. 24 is a block diagram illustrating a sixth embodiment of the present invention.

25 is a block diagram showing a configuration of an electronic value receiving device in the unmanned store 240 shown in FIG.

FIG. 26 is a part of a flowchart illustrating an electronic payment method using a mobile radio telephone terminal according to a sixth embodiment of the present invention.

FIG. 27 is another part of the flowchart for explaining the electronic settlement method using the mobile radiotelephone terminal according to the sixth embodiment of the present invention;

FIG. 28 is a block diagram illustrating a seventh embodiment of the present invention.

FIG. 29 is a part of a flowchart illustrating an electronic payment method using a mobile radio telephone terminal according to a seventh embodiment of the present invention.

FIG. 30 is another part of the flowchart for explaining the electronic settlement method using the mobile radio telephone terminal according to the seventh embodiment of the present invention;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... PHS terminal 2 ... Communication line network 3 ... Payment company 4 ... Deposit / withdrawal management database 5 ... Value management database 6 ... Financial institution 8 ... User account 9 ... Payment company account 16 ... Value mode changeover switch 70 ... Street filling device 190 ... Manned store 201 ... Electronic value receiving device 240 ... Unmanned store 285 ... Member store

 ──────────────────────────────────────────────────続 き Continued on the front page (54) [Title of Invention] Mobile radiotelephone terminal capable of inputting / outputting electronic value, street filling terminal for filling electronic value into mobile radiotelephone terminal, electronic value issuing device, electronic Electronic payment method using value receiving device and mobile wireless telephone terminal

Claims (38)

[Claims] A memory capable of storing an electronic value, wherein an electronic value of the memory is filled from a transfer source;
Alternatively, a mobile radio telephone terminal capable of inputting and outputting electronic value, wherein the electronic value is paid from the memory to the transfer destination. 2. The mobile radio telephone terminal according to claim 1, wherein the charging and payment of the electronic value are performed via a wireless line. 3. The mobile radio telephone terminal according to claim 1, wherein the mobile radio telephone terminal is a PHS terminal. 4. A street filling device comprising a memory capable of storing an electronic value, a keyboard for inputting a number for specifying a mobile radiotelephone terminal to be charged with the electronic value, and a cash slot. When a filling terminal number for specifying a mobile radio telephone terminal is input to the keyboard, and cash corresponding to the amount of electronic value desired to be filled in the mobile radio telephone terminal is inserted from the cash slot, the cash is stored in the memory. Wherein the electronic value of the electronic value amount corresponding to the cash is transmitted from the memory to the mobile radiotelephone terminal, the street for filling the electronic value into the mobile radiotelephone terminal Filling terminal. 5. The mobile radiotelephone terminal and the street filling terminal communicate with each other via a radio line to charge the mobile radiotelephone terminal with electronic value. A street filling device according to item 1. 6. The mobile radiotelephone terminal and the street filling terminal communicate with each other via a wired line so that the mobile radiotelephone terminal is charged with electronic value. A street filling device according to item 1. 7. The street filling terminal according to claim 4, wherein the mobile radio telephone terminal is a PHS terminal. 8. A changeover switch for switching between a cash receiving mode and an electronic value receiving mode, a first input keyboard for inputting a number for specifying a mobile radiotelephone terminal paying the electronic value, and a product to be provided. And / or a second input keyboard for inputting an electronic value payment amount corresponding to the purchase price of the service, and a memory for storing the electronic value, and an electronic value receiving apparatus for receiving and storing the electronic value. When the electronic value reception mode is set by the changeover switch, the electronic value corresponding to the purchase price is transferred from the mobile radiotelephone terminal specified by the first keyboard to the electronic value reception device. Transmitting and storing the data in the memory. , Electronic value receiving device. 9. The electronic value receiving apparatus according to claim 1, wherein the mobile radiotelephone terminal and the electronic value receiving apparatus communicate with each other via a wireless line to increase the electronic value of the electronic value receiving apparatus. 9. The electronic value receiving device according to 8. 10. The mobile radiotelephone terminal and the electronic value receiving device communicate with each other via a wired line to increase the electronic value of the electronic value receiving device. 9. The electronic value receiving device according to 8. 11. The electronic value receiving device according to claim 8, wherein the mobile radio telephone terminal is a PHS terminal. 12. A changeover switch for switching between a cash receiving mode and an electronic value issuing mode, a first keyboard for inputting a number for specifying a mobile radiotelephone terminal that receives an electronic value to be issued, and an issuer. An electronic value issuing device for issuing an electronic value to the mobile radiotelephone terminal, comprising: a second keyboard for inputting an electronic value amount to be changed; and a memory for storing the electronic value. When the electronic value issuance mode is set by
An electronic value issuing device, wherein an amount of electronic value specified by the second keyboard is transmitted from the memory to the mobile radiotelephone terminal specified by the first keyboard. 13. The electronic value issuing device according to claim 13, wherein the mobile radiotelephone terminal and the electronic value issuing device communicate with each other via a wireless line to reduce the electronic value of the electronic value issuing device. 13. The electronic value issuing device according to item 12. 14. The electronic value issuing device according to claim 11, wherein the mobile radiotelephone terminal and the electronic value receiving device communicate with each other via a wired line to reduce the electronic value of the electronic value issuing device. 13. The electronic value issuing device according to item 12. 15. The electronic value issuing device according to claim 12, wherein said mobile radio telephone terminal is a PHS terminal. 16. An electronic value issuing and receiving device in which the electronic value receiving device according to claim 8 and the electronic value issuing device according to claim 12 are integrated. 17. The mobile radiotelephone terminal is provided with a memory capable of storing an electronic value, and an electronic value is filled in the memory from a transfer source, or the electronic value is paid from the memory to a transfer destination. Electronic payment method using a mobile radio terminal. 18. The electronic settlement according to claim 17, wherein the transfer or the transfer of the electronic value is performed by communicating the transfer source or the transfer destination with the mobile wireless telephone terminal via a wireless line. Method. 19. The electronic settlement according to claim 17, wherein the transfer or the transfer of the electronic value is performed by communicating the transfer source or the transfer destination with the mobile wireless telephone terminal via a wired line. Method. 20. The mobile radiotelephone terminal sends the electronic value charge request amount and a number specifying the mobile radiotelephone terminal to a settlement company that manages the electronic value from the mobile radiotelephone terminal. The settlement company specifies the mobile radiotelephone terminal of the user by the received number, and instructs the financial institution to use the electronic value of the filling request amount. From the account of the financial institution to the account of the settlement company of the financial institution, the financial institution, based on the debit instruction, the electronic value of the filling request amount from the account of the user of the financial institution Debit to the account of the settlement company of the financial institution, the settlement company, after confirming the debit, the mobile radio telephone terminal 20. The electronic settlement method according to claim 17, wherein an electronic value of the requested filling amount is issued and the memory is filled. 21. A user of a mobile radiotelephone terminal inputs cash to a street filling terminal, and reduces an electronic value stored in the street filling terminal by an electronic value amount corresponding to the cash, 20. The electronic settlement method according to claim 17, wherein a memory of the terminal is filled with an electronic value corresponding to the amount of the electronic value corresponding to the cash. 22. The electronic settlement method according to claim 21, wherein the settlement company that manages the electronic value collects cash from the street filling terminal. 23. A user of a mobile radiotelephone terminal passes cash to an electronic value issuing member store, and an electronic value stored in an electronic value issuing device installed in the electronic value issuing member store corresponds to the cash. 20. Electronic settlement according to any one of claims 17 to 19, wherein the electronic value is reduced by the electronic value amount, and the memory of the mobile radiotelephone terminal is filled with the electronic value amount of the electronic value amount corresponding to the cash. Method. 24. The settlement company which manages the electronic value, performs a withdrawal process of an amount corresponding to the amount of the electronic value corresponding to the cash from the account of the electronic value issuing member store of a financial institution. Item 24. The electronic settlement method according to item 23. 25. A transfer source user who uses the transfer source mobile radio telephone terminal makes a call to the transfer destination mobile radio telephone terminal, and the transfer source mobile radio telephone terminal is transferred from the transfer source mobile radio telephone terminal. Reducing the desired payment value from the electronic value stored in the transfer source mobile radiotelephone terminal to the terminal, and filling the transferee mobile radiotelephone terminal with an electronic value amount equal to the desired payment value. The electronic settlement method according to any one of claims 17 to 19, wherein: 26. The transfer-destination user checks the amount of electronic value received and the transmission source, and then fills the transfer-destination mobile radiotelephone terminal with the electronic value. Electronic payment method. 27. The system according to claim 17, wherein said electronic value is used for payment of a call charge charged by a user using said mobile radiotelephone terminal.
Electronic settlement method according to any one of the above. 28. The system according to claim 2, wherein when the shortage of the electronic value is predicted during the call, the user is warned in advance from the mobile radiotelephone terminal.
8. The electronic settlement method according to 7. 29. A user notifies a store of a product name and / or service name of a product and / or service desired to be purchased in advance, and purchases the product and / or service using a mobile radio telephone terminal. Transmitting the electronic value payment amount corresponding to the mobile radiotelephone terminal to the mobile radio telephone terminal when the electronic value payment amount matches the electronic value billing amount corresponding to the goods and / or services. The mobile radiotelephone terminal of the user transmits the payment value from the memory of the mobile radiotelephone terminal to the store according to the instruction, and the store manages the billing value and the electronic value. Transmitting to the settlement company, the settlement company specifies the financial institution account number of the store,
A transfer instruction is performed to transfer an amount corresponding to the billing value received from the store from the financial institution having the account of the settlement company to the financial institution account of the store. 20. The electronic settlement method according to claim 17, wherein an amount corresponding to the value is transferred. 30. The store according to claim 2, wherein the store is a manned store.
10. The electronic settlement method according to item 9. 31. The store as claimed in claim 2, wherein the store is an unmanned store.
10. The electronic settlement method according to item 9. 32. A user uses a mobile radiotelephone terminal to notify a payment company managing electronic value of a product name and / or a service name of a product and / or service to be purchased in advance, and And / or sending an electronic value payment amount corresponding to the purchase amount of the service to the settlement company, and when the electronic value payment amount matches the electronic value billing amount corresponding to the product,
Instructing the mobile radiotelephone terminal to transmit a payment value, the mobile radiotelephone terminal of the user transmits the payment value from the memory of the mobile radiotelephone terminal to the settlement company in response to the instruction. The settlement company orders the product to a store that provides the product, the provision store sends the product to the user, the settlement company specifies a financial institution account number of the store,
A transfer instruction is performed to transfer an amount corresponding to the billing value received from the store from the financial institution having the account of the settlement company to the financial institution account of the store. 20. The electronic settlement method according to claim 17, wherein an amount corresponding to the value is transferred. 33. An electronic value balance charged in the mobile radiotelephone terminal is displayed on a display device of the mobile radiotelephone terminal.
33. The electronic payment method according to any one of items 30 to 32. 34. When paying the electronic value from the mobile radiotelephone terminal, an alarm is output when the electronic value balance filled in the mobile radiotelephone terminal is insufficient. Items 17 to 3
3. The electronic settlement method according to any one of 3. 35. The electronic settlement method according to claim 17, wherein the amount of the electronic value that can be charged to the mobile radiotelephone terminal does not exceed a predetermined limit. . 36. The mobile radiotelephone terminal is locked with a personal identification number in order to limit the users who use the electronic value, and the use of the electronic value is enabled by releasing the lock. The electronic payment method according to any one of claims 17 to 35. 37. The electronic payment method according to claim 17, wherein the mobile radio telephone terminal is a PHS terminal. 38. A communication between the PHS terminal and the store is performed by a method only via a PHS base station without passing through a public network, and a method by which an electronic value receiving device in the store receives an electronic value. 38. The electronic settlement method according to claim 37, wherein the electronic settlement method is performed by any one of the methods so that a charge associated with communication is not made.