WO2007116521A1

WO2007116521A1 - Portable terminal and credit card selection method using the same

Info

Publication number: WO2007116521A1
Application number: PCT/JP2006/307584
Authority: WO
Inventors: Yasuyuki Hirouchi
Original assignee: Panasonic Corporation
Priority date: 2006-04-10
Filing date: 2006-04-10
Publication date: 2007-10-18

Abstract

A portable terminal with which an appropriate one of credit card functions can be easily selected. In the portable terminal (100), a credit-card-information storage section (125) has stored in it multiple kinds of credit card information respectively corresponding to multiple credit card settlement methods, and a credit-card function section (110) performs multiple credit card functions. A credit-card- priority storage section (140) stores the priority of each credit card, and depending on the priority determined by the credit- card-information selection section (120), a credit-card-information selection section (120) selects, according to the priority in the credit-card- priority storage section (140), the kind of credit card to be used. A section (130) for monitoring the upper limit of credit card use monitors whether the sum of credit card payments of the credit card having the highest priority at that time point exceeds the upper use limit of that card, and when exceeds, the section (130) changes the priority at the credit-card- priority storage section (140).

Description

Mobile terminal and credit card selection method using the same

Technical field

[0001] The present invention relates to a portable terminal having a plurality of credit card functions and a credit card selection method in such a portable terminal.

Background art

In recent years, mobile terminals such as mobile phones equipped with non-contact IC (Integrated Circuit) chips are becoming widespread (see, for example, Patent Document 1). In such a portable terminal, for example, the information stored in the portable terminal can be easily sent to the store by pressing the portable terminal against a reader / writer device installed at the store. In particular, the application of this technology to credit card payments is attracting attention because necessary information can be transmitted in a short time without complicated operations.

[0003] Since there are many users who subscribe to a plurality of credit card settlement services, mobile phones that can be equipped with a plurality of credit card functions have already been put into practical use. Such a portable terminal has the advantage that it is not necessary to carry multiple plastic cards for each credit card payment service.

Patent Document 1: Japanese Patent Laid-Open No. 2004-208097

Disclosure of the invention

Problems to be solved by the invention

However, in the conventional mobile terminal having such a plurality of credit card functions, an appropriate credit card function must be selected by a user operation every time the credit card function is used. Therefore, the work may be more complicated than selecting from a plurality of plastic cards. Then, if the information can be easily sent to the store side, the original merit is halved.

[0005] An object of the present invention is to provide a mobile terminal capable of more easily selecting an appropriate one from a plurality of credit card functions and a credit card selection method using the same. Means for solving the problem

[0006] The portable terminal of the present invention is provided by each of the plurality of credit card settlement services and a credit card information storage means for storing a plurality of credit card information to be used in each of the plurality of credit card settlement services. Service content determining means for determining the level of service content to be determined, priority setting means for setting priorities for the plurality of credit card settlement services based on the determination result by the service content determining means, A credit for selecting one of the plurality of credit card information stored in the credit card information storage unit as a transmission target when transmission is requested according to the priority set by the priority setting unit And a card information selection means.

[0007] Further, the credit card selection method of the present invention includes a service content determination step of determining a level of service content provided by each of a plurality of credit card settlement services when transmission of credit card information is requested. A priority setting step for setting priorities for the plurality of credit card settlement services based on a determination result obtained by the service content determination step, and a priority set in the priority setting step. And a credit card information selection step for selecting any of a plurality of credit card information to be used in each of the plurality of credit card settlement services as a transmission target.

The invention's effect

[0008] As described above, according to the present invention, the level of service content provided by each of a plurality of credit card payment services is determined, and the priority is given to the credit card payment service based on the determination result. And select one of multiple credit card information as the transmission target according to the set priority. As a result, an appropriate credit card function can be selected according to the service content provided by each credit card settlement service without requiring the user to perform particularly complicated operations.

Brief Description of Drawings

FIG. 1 is a block diagram showing a configuration of a communication system in which a mobile terminal according to Embodiment 1 of the present invention is used. FIG. 2 is an explanatory diagram showing an example of stored contents in the initial state of the credit card priority storage unit in the first embodiment of the present invention.

FIG. 3 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit in the first embodiment of the present invention.

FIG. 4 is an explanatory diagram showing an example of stored contents after changing the credit card priority storage unit in the first embodiment of the present invention.

FIG. 5 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 2 of the present invention is used.

FIG. 6 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit in the second embodiment of the present invention.

FIG. 7 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 3 of the present invention is used.

FIG. 8 is an explanatory diagram showing the storage contents of the credit card priority storage unit by location in the third embodiment of the present invention.

FIG. 9 is a flowchart showing the flow of location-specific credit card priority determination processing by a location-specific credit card use priority determination unit in Embodiment 3 of the present invention.

FIG. 10 is a block diagram showing a configuration of a communication system in which a mobile terminal according to Embodiment 4 of the present invention is used.

FIG. 11 is an explanatory diagram showing an example of the contents stored in the credit card use location storage unit in the fourth embodiment of the present invention.

FIG. 12 is a flowchart showing the flow of credit card priority determination processing by place usage history by a credit card use priority determination unit by place use history in the fourth embodiment of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION

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

[0011] (Embodiment 1)

FIG. 1 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 1 of the present invention is used. In FIG. 1, a communication system 10 includes a mobile terminal 100 that is a mobile phone device having a plurality of credit card functions, and a credit card that is installed at a store front and accepts credit card payment using the mobile terminal 100. A payment terminal 200 is provided. The mobile terminal 100 mainly includes a credit card function unit 110, a credit card information selection unit 120, a credit force use upper limit monitoring unit 130, and a credit card priority storage unit 140. The credit card information selection unit 120 includes a credit card information storage unit 125.

[0013] The credit card payment terminal 200 receives credit card information, which is transmitted from the mobile terminal 100 and is identification information necessary for payment, and accepts the use of the corresponding credit card payment service. The credit card information includes, for example, a credit card number and terminal identification information.

[0014] The credit card information storage unit 125 stores credit card information to be transmitted in advance for each of a plurality of credit card settlement services to which the mobile terminal 100 is subscribed.

[0015] The credit card priority storage unit 140 stores the priority of the credit card settlement service. The priority of the stored credit card payment service can be arbitrarily set by operating a key switch (not shown) provided in the portable terminal 100.

[0016] The credit card function unit 110 obtains the credit card information selected by the credit card information selection unit 120 from the credit card information storage unit 125 and sends it to the credit card payment terminal 200 for corresponding credit card settlement service. Is used.

[0017] The credit card information selection unit 120 uses the credit card information corresponding to the credit card type with the highest priority in the credit card priority storage unit 140 as the credit card information to be transmitted by the credit card function unit 110. select. In addition, the credit card information selection unit 120 also accepts the selection of the credit card type by the user by operating a key switch (not shown).

[0018] The credit card usage upper limit monitoring unit 130 stores information on the usage upper limit determined by the mobile terminal 100 in advance, accumulates the amount of credit card settlement for each service, and uses the accumulated amount corresponding to the usage amount. Monitor whether the maximum amount has been reached. And in the monitoring result Accordingly, the priority of the credit card settlement service stored in the credit card priority storage unit 140 is appropriately changed.

[0019] Although not shown, the mobile terminal 100 and the credit card payment terminal 200 are CPUs

(Central Processing Unit), a storage medium such as ROM (Read Only Memory) that stores the control program, and work memory such as RAM (Random Access Memory), and the CPU executes the control program Thus, the functions of the respective parts described above are realized. The credit card function unit 110 includes a non-contact IC chip. When a predetermined radio wave output from the credit card payment terminal 200 is received near the credit card payment terminal 200, the credit card information is transmitted. The credit card function is realized by performing various processes necessary for payment. However, since the credit card information storage unit 125 stores a plurality of pieces of credit card information, a plurality of credit card functions can be realized.

In the communication system 10 having the above configuration, the operation of each unit will be described below.

[0021] The credit card priority storage unit 140 stores a plurality of credit card settlement services subscribed by the user and respective priority powers in advance by user operations.

FIG. 2 is an explanatory diagram showing an example of stored contents of the credit card priority storage unit 140 in the initial state. The credit card priority storage unit 140 stores three credit card types “credit card A”, “credit card: B”, and “credit card C”, and respective priorities. The priority is defined as a numerical value. The value “1” is the highest priority and the higher the value, the lower the priority. Here, as shown in the figure, for example, priority “1” is set for “credit card A”. Therefore, the credit card information selection unit 120 selects the credit card information corresponding to “credit card A” in the initial state.

[0023] For example, when the service points applied at the time of use differ for each credit card type, if the priority is set in the advantageous order of the service points, the user does not have to perform the work of selecting and thinking each time. Highest service point! Credit card types can be used preferentially.

[0024] In addition, for example, the upper limit of the usage amount without adding a fee for each credit card type, If the upper limit of the amount of money used for low-cost revolving payment is high, and the priority is set in order, the most advantageous credit card type in terms of fees can be selected.

However, for example, if the amount to be newly settled is higher than the balance of the available amount of “credit card”, “credit card A” cannot be used. In addition, for example, if a fee is charged if the amount used exceeds the specified usage amount for “Tarledge Card A”, if the amount to be settled is higher than the balance of the specified usage amount, Using "" can result in unintended fees for users. In such a case, the level of service provided by using credit card B seems to be higher.

[0026] Therefore, the credit card usage upper limit monitoring unit 130 stores information on the usage upper limit for each credit card type determined by the user in advance, and stores the accumulated usage amount for each credit card type. Then, each time a credit card settlement is attempted in the credit card function unit 110, it is determined whether or not the accumulated usage amount including the planned usage amount reaches the corresponding usage upper limit. Then, the priority of the credit card priority storage unit 140 is changed. That is, the level of service provided by each credit card type is determined, and the priority is changed according to the determination result.

FIG. 3 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit 130.

[0028] The credit card usage upper limit monitoring unit 130 stores the accumulation of the usage amount for each credit card type, and monitors the instruction to reset the accumulation (S1010). The function unit 110 monitors the start of settlement. When a credit card type is specified and an accumulation reset of usage amount is instructed by user operation or time setting (S1010: YES), the corresponding credit force type is stored in the past by the processing described later. The accumulated usage amount is reset (S1020), and the process returns to step S1010. It is also possible to reset all at once without specifying the credit card type.

[0029] When the credit card settlement is started in the credit card function unit 110 (S1030: YES) when the resetting of the accumulated usage amount is not instructed (S1010: NO), the payment amount and the time The credit card type having the highest priority is acquired (S1040), and the accumulation of the usage amount when the corresponding credit card type is used is calculated (S1050).

[0030] The credit card usage upper limit monitoring unit 130 compares the calculation result in step S1050 with the usage upper limit set for the corresponding credit card type (S1060), and if the calculation result exceeds the usage upper limit (S1060). : YES), change the priority of the credit card type with the highest priority in the credit card priority storage unit 140 to the lowest priority, and increase the priority of each other credit card type in order (S1070) . The credit card function unit 110 monitors completion of payment (S1080). If the calculation result does not exceed the upper limit of use (S 1060: NO), the process proceeds to step S 1080 as it is.

[0031] When the credit card function unit 110 completes the payment (S1080: YES), the credit card usage upper limit monitoring unit 130 acquires the payment amount and the credit card type with the highest priority at that time (S 1090). Then, the accumulation of the usage amount of the corresponding credit card type is calculated and stored (S 1100). If the credit card function is continuously used (S1110: YES), the process returns to step S1010 to monitor the resetting of the usage amount and the start of settlement in the credit card function unit 110. On the other hand, when the suspension of the credit card function is instructed by a user operation or the like (S1110: NO), the series of processes is terminated. Note that the credit card function unit 110 may perform the calculation of the accumulated usage amount and the storage and reset processing.

[0032] The upper limit of the usage amount set for the credit card type may be set, for example, the upper limit of the usage amount without additional fees or the upper limit of the usage amount of revolving payment! As a result, credit card payments can be made with the lowest possible fees.

FIG. 4 is an explanatory diagram showing an example of the stored contents of the credit card priority storage unit 140 after the change. Here, when an attempt is made to make a certain credit card payment, the result of the calculation of the accumulated amount of usage when using “Credit Card” is greater than the upper limit set for Credit Card AJ. The contents stored in the credit card priority storage unit 140 when the settlement is completed are shown. If the calculation result of the accumulated usage amount exceeds the usage limit, the contents stored in the credit card priority storage unit 140 shown in FIG. Be changed. Therefore, as shown in the figure, “credit card A”, which had priority “1”, is changed to “3”, and “credit card B” and “credit card C” have priority. The degree is raised to "1" and priority "2".

[0034] When the credit card function unit 110 starts the credit card settlement, the credit card information selection unit 120 is sufficient for the credit card use upper limit monitoring unit 130 to perform the processing up to step S1070 in FIG. Credit card priority storage unit 140 selects credit card information corresponding to the credit card type with the highest priority, and the credit card selected in response to a request from credit card function unit 110. Output information. The credit card function unit 110 sends the input credit card information to the credit card payment terminal 200. The credit card payment terminal 200 performs various processes such as verification based on the received credit card information, and realizes payment by credit card.

[0035] If the result of accumulating the amount of money spent using “Credit Card O” is greater than the upper limit set for “Credit Card O”, continue using “Credit Card A” as it is. If it is selected, it will take the power to make a payment or an extra fee power S. However, since the credit card usage upper limit monitoring unit 130 changes the priority and selects “credit card B” as shown in FIG. 4, such a situation can be avoided.

[0036] As described above, according to the present embodiment, mobile terminal 100 has the highest priority among a plurality of installed credit card functions at the time of credit card settlement. The credit card type is used to monitor whether the usage amount reaches a preset usage limit. Then, when the usage limit is reached, the priority of several credit card types is switched, and the payment is made by switching to another credit card type. In this way, the function to set the upper limit of use and the function to switch the priority of credit cards are linked to each other. As a result, once the usage limit for each credit card is set once by a user operation, etc., the credit card type is reduced so that the usage amount is less than the maximum usage limit even if payment is made without making the user aware of it. You can choose in advance. In other words, without the need for user selection It is possible to more easily select an appropriate one from a plurality of credit card functions.

[0037] (Embodiment 2)

FIG. 5 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 2 of the present invention is used, and corresponds to FIG. 1 of Embodiment 1. The same parts as those in FIG.

In FIG. 5, the communication system 30 includes a mobile terminal 300 as a mobile phone and a credit card payment terminal 200. The mobile terminal 300 includes a credit card function unit 110, a credit card information selection unit 120 including a credit card information storage unit 125, a credit card usage upper limit monitoring unit 330, a credit card priority storage unit 140, The balance balance inquiry unit 350 is mainly comprised.

[0039] The credit card balance inquiry unit 350 accesses a predetermined information server (not shown), and inquires the balance of the credit card type set to the highest priority in the credit card priority storage unit 140. Then, the inquiry result is sequentially output to the credit card usage upper limit monitoring unit 330. A predetermined information server is accessed via a mobile phone network or the Internet, and a balance inquiry of a desired credit card type is performed by transmitting and receiving information using a predetermined encryption.

[0040] The credit card usage upper limit monitoring unit 330 appropriately credits the credit card based on the balance of the corresponding credit card type acquired by the credit card balance inquiry unit 350 in addition to the accumulated usage amount by the credit card function unit 110. The priority of the credit card settlement service stored in the card priority storage unit 140 is changed.

FIG. 6 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit 330, and corresponds to FIG. 3 of the first embodiment. Steps identical to those in FIG.

[0042] The credit card usage upper limit monitoring unit 330 obtains the scheduled payment amount and the credit card type with the highest priority at that time in step S1040, and then uses the corresponding credit card type. The cumulative amount is calculated, and the credit card balance inquiry unit 350 is used to inquire about the balance of the available amount of the corresponding credit card type of the user of the mobile terminal 300 (S3050). [0043] When the credit card balance inquiry unit 350 is instructed to inquire about the balance of a specific credit card type from the credit card usage upper limit monitoring unit 330 in response to step S3050, the credit card balance inquiry unit 350 accesses the predetermined information server described above. Then query the balance of the specified credit card type. For example, the credit card balance inquiry unit 350 periodically accesses the information server to acquire and store the balance of each credit force type of the user of the mobile terminal 300 and store it. The contents may be output to the credit card balance inquiry section 350. Alternatively, notify the credit card balance inquiry section 350 of the updated contents periodically or whenever the balance information is updated on the information server side.

[0044] When the inquiry of the balance is completed in step S3050, credit card use upper limit monitoring unit 330 compares the calculation result in step S3050 with the use upper limit set for the corresponding credit card type, and in step S1040. The acquired planned payment amount is compared with the balance acquired in step S3050 (S3060).

[0045] If the calculation result exceeds the usage limit of the credit card type with the highest priority, or payment ヽ If the planned amount exceeds the balance with the highest priority ヽ credit card type (S3060: YES) The process proceeds to step S1070, and the priority of the credit card settlement service stored in the credit card priority storage unit 140 is changed in the same manner as in the first embodiment.

[0046] On the other hand, if the calculation result does not exceed the upper limit of use of the credit card type with the highest priority and payment is made, the planned amount is the highest priority and the balance of the credit card type is not exceeded (S3060). : NO), without changing the priority of the credit card priority storage unit 140, the process directly proceeds to step S1080.

[0047] Thus, according to the present embodiment, the credit card balance reflecting not only the accumulated usage amount by the mobile terminal 300 but also other credit card payment histories (debit usage, etc.) is reflected. You can select the type of credit card to use. In other words, when credit cards are not always used only on mobile devices, the credit card usage limit can be monitored with higher accuracy considering all credit card usage, and the credit card below the usage limit can be realized. Can always be selected with priority It becomes ability.

[0048] Note that the credit card usage upper limit monitoring unit 330 obtains the scheduled payment amount by the credit card function unit 110 via the information server using the credit card balance inquiry unit 350 instead of the credit card function unit 110. You may do it. Alternatively, the priority may be changed only by the balance of the credit card type with the highest priority, regardless of the planned payment amount. In these cases, it is not necessary to connect the credit card usage upper limit monitoring unit 330 to the credit card function unit 110 as shown in FIG.

[Embodiment 3]

FIG. 7 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 3 of the present invention is used, and corresponds to FIG. 1 of Embodiment 1. The same parts as those in FIG.

In FIG. 7, the communication system 50 includes a mobile terminal 500 as a mobile phone and a credit card payment terminal 200. The mobile terminal 500 includes a credit card function unit 110, a credit card information selection unit 120 including a credit card information storage unit 125, a credit card usage upper limit monitoring unit 130, a credit card priority storage unit 140, a credit strength It is mainly composed of a location usage specifying unit 560 and a location-specific credit card usage priority determination unit 570. The location-specific credit card use priority determination unit 570 includes a location-specific credit card priority storage unit 575.

[0051] Although not shown, the credit card usage location specifying unit 560 includes a GPS (Global Positioning System) receiver, and receives a signal from which GPS satellite power is also transmitted. Specify the current location. That is, the place where the credit card function unit 110 uses the credit card function is specified. The location where the credit card function is used may be specified based on the location information or the store information acquired from the mobile phone network side or the tariff payment terminal 200.

[0052] The location-specific credit card priority storage unit 575 stores the priority of the credit card settlement service for each location where the credit card function is used. The priority of the stored credit card settlement service can be arbitrarily set by operating a key switch (not shown) provided in the portable terminal 500. FIG. 8 is an explanatory diagram showing the contents stored in the credit card priority storage unit 575 for each location. In the credit card priority storage unit 575 by location, the priority of each credit card type installed in the mobile device 500 is associated with location information that may use the credit card function of the mobile device 500. Priority information consisting of pairs is stored. Here, as shown in the figure, for example, in the priority information corresponding to the place information “Restaurant Y”, “Credit card” is “2”, “Credit card” is “3”, “ “Credit card” has priority “1”!

[0054] For example, depending on a specific store, a service point given to the user at the time of credit card settlement may be increased. In such a case, the highest priority may be set for the location of this specific store in the credit card priority storage unit 575 for each location.

FIG. 9 is a flowchart showing a flow of location-specific credit card priority determination processing by location-specific credit card use priority determination unit 570. The credit card usage priority by location determination unit 570 monitors whether the usage location of the credit card function has changed (S5210). This monitoring may be performed by inquiring the credit card use location specifying unit 560 every time credit card payment is started by the credit card function unit 110, or the credit card use location specifying unit 560 side may use the credit card function. Only notify the credit card usage priority determination unit 570 by location when there is a change in location.

[0056] If the credit card usage priority determination unit 570 by location determines that the usage location of the credit card function has changed (S5210: YES), the location information corresponding to the new usage location of the credit card function is displayed. It is determined whether or not the power is registered in another credit card priority storage unit 575 (S5220). If the corresponding location information is registered (S52 20: YES), the corresponding priority information is obtained from the location-specific credit card priority storage unit 575, and the credit card priority is stored using the obtained priority information. The contents stored in section 140 are updated (step S5230). If the credit card function is to be used continuously (step S5240: YES), the process returns to step S5210 to monitor whether the credit card function has been used again and to end the use of the credit card function. Is Step S5240: NO), and the series of processing ends. On the other hand, if the location information corresponding to the location where the new credit card function is used is registered in the location-specific credit card priority storage unit 575 and is V ヽ (S5220: NO), the process proceeds to step S5240.

[0057] For example, when a user tries to pay for a meal at restaurant Y using the credit card function of mobile terminal 500, credit card usage location specifying unit 560 sets the usage location to "restaurant Y". Then, the location-specific credit card usage priority determination unit 570 updates the content of the location-specific credit card priority storage unit 575 to the content with “credit card C” as the priority “1”. Therefore, the credit card information selection unit 120 selects “credit card C” as the credit card type used for the credit card settlement. However, for example, when the accumulated usage amount exceeds the usage limit of credit card C, the credit card usage limit monitoring unit 130 switches the priority as described in the first embodiment. Next, the “Credit Card A” power with the highest priority will be selected.

[0058] Thus, according to the present embodiment, the place where the credit card is used is specified, the priority of the credit card settlement service is stored for each place, and this priority is applied. However, if the priority of the credit card payment service for each location is set once, it becomes possible to use the optimal credit card for each location without being aware of the next time. That is, an appropriate credit card can be selected and used according to the place of use that is not operated by the user each time. For example, if the priority information set in the location-specific credit card priority storage unit 575 as described above is the content corresponding to the service point given to the user, the credit card that can enjoy the most service points is selected. It becomes possible. In other words, the user can always use the most advantageous credit card.

[Embodiment 4]

FIG. 10 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 4 of the present invention is used, and corresponds to FIG. 7 of Embodiment 3. The same parts as those in FIG.

In FIG. 10, a communication system 70 includes a mobile terminal 700 as a mobile phone, a credit Card payment terminal 200. The mobile terminal 700 includes a credit card function unit 110, a credit card information selection unit 120 including a credit card information storage unit 125, a credit card usage upper limit monitoring unit 130, a credit card priority storage unit 140, a credit card It is mainly composed of a use place specifying unit 560, a credit card use priority determining unit 770 by place use history, and a credit card use place storage unit 780.

[0061] Each time the credit card function unit 110 completes credit card settlement, the credit card use location storage unit 780 stores location information indicating the use location of the credit card function and the type of credit card used. Store in association.

[0062] The credit card usage priority determination unit 770 by location usage history is used when the location information corresponding to the usage location specified by the credit card usage location specifying unit 560 exists in the credit card usage location storage unit 780. The credit force type associated with the corresponding location information is specified. Then, the stored content of the credit card priority storage unit 140 is changed so that the specified credit card type has the highest priority.

FIG. 11 is an explanatory diagram showing an example of the contents stored in the credit card usage location storage unit 780. The credit card usage location storage unit 780 monitors which credit card type is used each time a credit card function unit 110 performs credit card payment. Then, the used credit card type is stored in association with the place information indicating the use place of the credit card function specified by the credit card use place specifying unit 560. Also, if the credit card function is used multiple times at the same location, only the last used one is stored.

[0064] Here, the credit card type last used in “Department Store X” is “Credit Card B”, and the last credit card type used in “Restaurant Y” is “Credit Card C”. This shows the case where the credit card type used last in “Hotel Ζ” was “Credit Card O”. It should be noted that location information is stored in advance, and when a location where a credit card settlement has been made is searched and there is a corresponding one, the credit force type used is stored in association with it. Also good. In addition, a retention period may be set, and information that has been stored and the retention period has passed may be deleted from the credit card usage location storage unit 780. FIG. 12 is a flowchart showing the flow of the credit card priority determination process for each place use history by the credit card use priority determination unit 770 for each place use history.

[0066] If the credit card usage priority determination unit 770 by location usage history determines that the usage location of the credit card function has changed (S7210: YES), as in the third embodiment, the new credit card function It is determined whether or not the location information corresponding to the usage location is registered in the credit card usage location storage unit 780 (S7220).

[0067] Credit card usage priority determination unit 770 by location usage history acquires the corresponding credit card type from credit card usage location storage unit 780 when the relevant location information is registered (S7220: YES). Then, change the stored contents of the credit card priority storage unit 140 so that the acquired credit card type has the highest priority (step S7230) _o Specifically, set the priority of the acquired credit card type to `` 1 And lower the priority of each other credit card type as necessary.

[0068] To continue using the credit card function (step S7240: YES), return to step S7210 to monitor the use of the credit card function again and terminate the use of the credit card function. If this is the case (step S7240: NO), the series of processing ends. On the other hand, if the location information corresponding to the usage location of the new credit card function is not registered in the credit card usage location storage unit 780 (S7220: NO), the process proceeds to step S7240 as it is.

[0069] For example, there is a change in fees for credit card payments at “Department Store X”, and it is more profitable for users to use “Credit Card B” than “Credit Card A” at “Department Store X”. Suppose that is high. When the contents stored in the credit card priority storage unit 140 are in the state shown in FIG. 2 of the first embodiment and such a change is made, the user normally intentionally selects “Credit card manually”. In this embodiment, this user's selection power remains in the credit card usage location storage unit 780 as a credit card usage location history, so once the user deliberately selects the credit card type. For the new stores, the intentional selection results can be reflected from the second and subsequent use of the credit card function.

[0070] Thus, according to the present embodiment, the sauce that the user desires to use for each place of use. Even if the types of JIT card functions are different, it is possible to select the most appropriate credit card function that reflects the user's intention according to the place of use without requiring any user operation from the second time onward. It is also possible to use the credit card usage location storage unit 780 to identify the store with the most suitable credit card functionality.

[0071] It should be noted that when the credit card payment is made, only the contents of the credit card usage location storage unit 780 are shown to the user, and the user can select whether or not to change the credit card priority storage unit 140, Make a manual selection of the credit card type.

[0072] In Embodiments 1 to 4 described above, the case where the invention is applied to a mobile phone has been described. However, it is needless to say that the invention can be applied to other various mobile terminals having a plurality of credit card functions. . In addition, the hardware that implements the credit card function is not limited to the contactless IC chip, and various communication devices that implement a plurality of credit card functions by switching may be used.

Industrial applicability

[0073] A portable terminal and a credit card selection method using the portable terminal according to the present invention are capable of easily selecting an appropriate one from a plurality of credit card functions, and a credit card selection using the portable terminal. Useful as a method.

Claims

The scope of the claims

[1] Credit card information storage means for storing a plurality of credit card information to be used in each of a plurality of credit card settlement services;

Service content determination means for determining the level of service content provided by each of the plurality of credit card settlement services;

Priority setting means for setting priorities for the plurality of credit card settlement services based on the determination result by the service content determination means;

When the transmission of the credit card information is requested, one of the plurality of credit card information stored in the credit card information storage unit is transmitted according to the priority set by the priority setting unit. Credit card information selection means to be selected as a target,

Mobile terminal having.

[2] The service content determination means includes:

Determining from among the plurality of credit card payment services that the available amount is equal to or greater than the amount for credit card payment;

The priority setting means includes:

The mobile terminal according to claim 1, wherein the credit card settlement service that is determined that the amount of money that can be used by the service content determination unit is greater than or equal to the amount for credit card payment is set to a higher priority.

[3] The service content determination means includes:

3. The mobile terminal according to claim 2, wherein the determination is performed using the remaining upper limit of the usage amount preset for each of the plurality of credit card settlement services as an available amount.

[4] The service content determination means includes:

Obtaining a balance amount usable in the plurality of credit card settlement services, and determining the obtained balance amount as an amount usable in a corresponding credit card settlement service;

The mobile terminal according to claim 2.

[5] Location-specific information storage means for storing the level of service content provided by each of the plurality of credit card settlement services at each location where credit card settlement is performed;

A place specifying means for specifying a place where a credit card payment is made, and the service content determining means,

Of the service content levels stored in the location-specific information storage means, the location specified by the location specifying means is the determination result of the service content level.

The mobile terminal according to claim 1.

[6] Location identification means for identifying the location for credit card payments,

Use location storage means for storing a credit card payment service usage history for each location where credit card payment is performed,

The service content determination means includes

The mobile terminal according to claim 1, wherein the level of the service content is determined based on the usage history stored in the use location storage means based on the location specified by the location specification means.

[7] A service content determination step for determining the level of service content provided by each of a plurality of credit card payment services when transmission of credit card information is requested;

A priority setting step for setting priorities for the plurality of credit card payment services based on the determination result of the service content determination step;

A credit card information selection step of selecting one of a plurality of credit card information to be used in each of the plurality of credit card settlement services as a transmission target according to the priority set in the priority setting step. When,

A credit card selection method.