JP2000306032A - Electronic currency utilizing portable telephone and electronic wallet - Google Patents

Abstract

PROBLEM TO BE SOLVED: To use a portable telephone as an electronic wallet or electronic currency. SOLUTION: Corresponding to an instruction from the portable telephone or the like, remittance is performed from a bank through a telephone line to the account exclusive to electronic currency in a center and distribution is performed to the accounts of various financial institutions or shops using the portable telephone or the like as a medium and functioned as electronic currency. These accounts are integrally managed by the portable telephone and the system of the center, functioned like a wallet and made them have a function like various tickets, various cards or money. Besides, concerning this system, an ID number or required data such as enciphered electronic tag, electronic ticket or various cards required for settling the accounts of electronic currency are sent and the accounts of charges are settled or various procedures are performed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001] The present invention relates to the digitization of currencies, various cards, various tickets, various contracts, licenses, various contracts, seals, certificates, and the like to integrate, operate, and manage them. Technology.

[Prior art] As a conventional technology of a mobile phone similar to the above, NTT DoCoMo's I-mode service has newly started, but this includes reading cash, various cards, certificates such as licenses and insurance, and reading them. A function to manage and act on behalf, a function to store an electronic seal stamped on a face photograph or electronic document for proof of identity, etc. like a wallet, a function to store money between mobile phones and various terminals. It does not have a function to perform delivery and settlement.

The invention of claim 1 requires a conventional card which accepts, stores, and carries the electronic currency and a card reader for reading and transferring the electronic information. There is also a problem that the system configuration is complicated and difficult to use.

At present, theft of electronic currencies, credit cards and various types of cards by counterfeit cards has occurred frequently in Japan, and in order to prevent such theft, it is necessary to aim for the abolition of these cards in the future. The electronic currencies I propose do not require cards themselves, and it is almost impossible for others to use them.

[Problems to be Solved by the Invention] The present invention is intended for people living with portable information devices such as cellular phones in the future society, as if individuals put cash and various cards in their wallets and carry them all the time. Positioned as the device that plays the most central role, carrying a wallet, cash, bills, checks, insurance cards, various licenses, certificates, credit cards, and other cards and seals that can be stolen or lost with a mobile phone It is a technology that eliminates the need and opens up a way to a cashless, cardless and ticketless society with full currency digitization.

[Means for Solving the Problems] Cash, cards, etc., various contracts, certificates, etc., and the system itself for certifying, prominently, or stamping them, are digitized,
The information is stored in a portable information terminal such as a mobile phone and a computer in an operation center such as a communication company and used as an electronic wallet. A third aspect of the present invention is to use the mobile phone to use a highway, various transportation means, a government office, a medical institution, various stores, vending machines, and the like, and to use a reception system built in the settlement system or installed later. It is used for automatic identification and payment of charges by non-contact communication between mobile terminals and mobile phones, etc. by radio waves, infrared rays or ultrasonic waves. Although not described in this specification, electronic bills and electronic contracts To enable electronic signatures and the like.

A second aspect of the present invention is to read a credit card such as a credit card, a commuter pass such as a train or a bus, an insurance card, an ID number of various licenses or an identification card, etc. into a mobile phone by a card reader or the like, or a telephone line. Incorporates the ID numbers of various cards and tickets of various transportation as electronic information, and digitizes the system itself for various certificates and contracts required for photographs and signatures, and communicates with mobile phones etc. Both the mobile phone etc. and the computer of the center have a mechanism to manage and operate them, and the mobile phone itself has various cards, tickets, insurance cards, various licenses and certificates, etc. Try to act as a seal or wallet. Until the spread of non-contact communication reception-only terminals of this system is advanced, it is necessary to share the card with a card. It is also convenient to store medical records used by medical institutions as other personal information. Furthermore, it can be connected to financial institutions, government offices, and other institutions through telephone lines and computer networks to settle fees, perform various procedures, and receive electronic licenses and various certificates. In addition, the electronic cash from the bank is taken into the mobile phone itself, that is, an electronic wallet through the telephone line and stored in the electronic wallet, so that the mobile phones can exchange currency electronically by infrared rays or the like, and the received electronic currency is transferred to the electronic wallet. You can store your money in your e-purse or transfer it to your bank account via a telephone line. Of course, at the counter of a financial institution such as a bank, the electronic currency in the electronic wallet must be convertible to cash.

The electronic currency of the electronic currency system according to claim 1 is a customer who has an account at an electronic currency operation center of a communication company or the like (although it is desirable that the operation center is operated by a communication company and also serves as a bank specializing in online transactions). When cash is transferred from a financial institution such as a bank to a bank account through a telephone line or the Internet, individual customers who use electronic currency for various consumptions can use the mobile phone etc. of the customer as an intermediary within or outside the center. It is distributed to the accounts of other customers, such as stores or transportation agencies, which have accounts at financial institutions. This electronic currency system is completed by transferring institutional electronic currency. This e-currency management center appears as a single bank or financial institution when viewed from the outside. The e-currency account in the e-purse will act as a checking account at a bank or the like.

As another method, there is a method in which only the portion related to the electronic currency is separated from the electronic wallet system, integrated into a debit card settlement center which is jointly operated by banks, and the money is settled there.

[0010] However, in reality, electronic currency is not exchanged with a mobile phone or the like, but when a transaction is completed, the code and the like of the other party are exchanged with each other and the required amount is exchanged between the mobile phone and the reception-only terminal. The center will then notify the center and the center will transfer the required amount of money from the customer's account to the counterparty's account only if they match, completing the transaction. In other words, the electronic currency system is a system that is completed in the computer of the electronic currency operation center, and it is extremely simple and the probability of accidents occurring on the way is small, so the security is high.

However, in this method, processing may take a long time when the telephone line or the network is congested, etc., and this method may be inappropriate in this system which requires high processing speed. We propose two methods. In this method, the payee such as a store asks the payer's mobile phone or the like for an ID before the transaction is completed, and the terminal on the store side immediately inquires of the center to check the balance. The mobile phone of the payer incorporates the payee code of the transaction, the billed amount and the code of the payer when the transaction is completed, and if necessary, electronic prominent or mobile phones that can only recognize the customer and the computer at the center. An encrypted electronic tag is generated together with a unique CPU number and the like and sent to the payer. As a result, it is possible to prevent accidents in which a credit card is copied without being noticed and used improperly, thereby enabling highly secure transactions. Therefore, the payment is treated as temporary settlement, and the payee sends the bill amount and the tag to the center, the center analyzes the tag, and transfers the payment from the payer to the payee only when the amounts match. Of course, if they do not match or the balance is insufficient, the center notifies the payee immediately, and the payee may ask the paying customer to pay by cash or the like or send a bill later. In systems that require more speed, it is possible to omit the work of confirming the identity and balance in the first half.

An operation example of an electronic ticket including a commuter pass of a transportation system using a mobile phone or the like according to claim 4 is described below. If you apply and proceed, the required amount etc. will be presented and presented and if the transaction is completed, the payment will be made in electronic currency and the tag with the payment destination and amount etc. encrypted will be sent to the other party's transportation agency etc. Instead, the electronic ticket etc. will be It will be sent and stored in the customer's e-wallet and the transaction will be completed. And when using transportation, mobile phones etc. take it out and pass it to the terminal attached to the ticket gate etc. to the other party via radio waves etc. and use the transportation, etc.If the role of the electronic ticket is over, it will be invalidated at that time Automatically erase e-wallet tickets.

[0013] As an operation example of various kinds of cards such as existing electronic currency cards and credits, a card stored in an electronic wallet is read out as necessary and transmitted to a terminal installed in a store. Does the same thing as a card. In other words, the customer signs the receipt, and the store takes it to a credit company or bank, performs necessary processing at the bank or credit company, and then transfers the purchase price from the customer's account to the store's account.

The biggest problem with this system is that when radio waves are used, they can be accepted by a malicious third party, the radio waves for clearing may be eavesdropped, and the information may be stolen. Therefore, communications in this system must be encrypted. As one of the methods, the sender of a mobile phone or the like first transmits the encrypted communication procedure code, message, and encryption key to the other party, and the receiver encrypts it based on the communication with the memory or center. Read the communication procedure manual. It decrypts the ciphertext, confirms your identity, and adjusts fees, exchanges tickets, and controls devices in your home.

Another problem is that the function of the cell phone has been lost due to a battery exhaustion or failure, and the ID numbers of electronically stored cash and cards have been lost, and the cell phone has been lost or stolen. Would be the case. In that case, a system for determining whether or not the mobile phone itself is used by the mobile phone itself can be constructed by combining the infrared ray emitted from the body with a collation system using voice, fingerprint, etc., and it is possible to prevent unauthorized use. It is also possible to check the status of the partner's assets and issue warnings before financial transactions. In addition, if you attempt to read internal information illegally, make unauthorized transactions, or if the phone is stolen or lost, the mobile phone itself will judge it and immediately delete the internal information or contact the communication company to make the mobile phone The problem can be solved by stopping the function, but the loss of data due to the malfunction of the mobile phone can be solved by making a backup of various data on a computer of an operation center such as a communication company.

[Embodiment of the Invention] Dedicated terminals of the present system for counters of government offices, financial institutions and medical institutions, registers of various stores, supermarkets and expressways, toll clearing systems for transportation, vending machines, etc. Automatically communicates with mobile phones by infrared, radio waves, ultrasonic waves, etc., and introduces status and adjusts fees. This alone eliminates the need to directly transfer cash and cards, and eliminates the need to carry around. As a result, the settlement business proceeds smoothly, the fee settlement business proceeds smoothly, and the waiting for settlement is eliminated. In other transportation modes, there is no need to carry a commuter pass or ticket, and the payment is completed simply by getting on and off with the mobile phone in the pocket or bag.

[Effect of the Invention] It is assumed that congestion at the time of getting on and off a bus, congestion at a tollgate on a highway, a queue at a supermarket checkout station, and the like, and payment of tolls does not proceed smoothly, and a large number of people are waiting for settlement. Can be resolved. Police, government offices, and other organizations may need to show insurance cards, identification cards, and various licenses.Also, always carry cash, bills, checks, cards, and other various certificates and licenses. It is bulky and inconvenient to carry around. And there is always a risk of being robbed or stolen or lost, but by digitizing them, the inconvenience is solved by only having a mobile phone and the risk of theft is eliminated. At present, vending machines are destroyed in Japan, and money is being stolen while the money is being stolen. Integrate the cash, various cards, many commuter passes and tickets, various insurance cards, driver's licenses, identification cards, etc. into the mobile phone, and perform all of these functions with one mobile phone By realizing a society where it is not necessary to take them out and use them every time they are needed, a society where there is no need to carry a complete cashless society, cardless society, various certificates, etc.,
Paving the way for the complete digitization of waste currency and currency such as banknotes.
By attaching a contactless communication function and a voice recognition function for payment and settlement operations to mobile phones, etc., reservation, purchase and payment of tickets etc. are possible without touching keys, and further advance this concept to schedule by voice , It is possible for the mobile phone itself to judge and make a reservation or purchase payment automatically. People do not have to think much about money or payments when using various stores and transportation, just passing by. Such a system would not be possible with an IC card or magnetic card system.

[Brief description of the drawings]

FIG. 1 is a diagram showing the concept of the present invention.

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[Procedure amendment]

[Submission date] July 12, 1999 (1999.7.1)
2)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Change

[Correction contents]

[Claims]

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] 0016

[Correction method] Change

[Correction contents]

Since this system needs to maintain a non-contact communication function for receiving and clearing business even when the battery runs out or the power is cut off, the system uses the energy of radio waves of a micro generator, a solar cell, or a dedicated receiver. Claim 7
It is possible to maintain the functions of and perform clearing operations.

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] 0007

[Correction method] Change

[Correction contents]

A second aspect of the present invention is to read a credit card such as a credit card, a commuter pass such as a train or a bus, an insurance card, an ID number of various licenses or an identification card, etc. into a mobile phone by a card reader or the like, or a telephone line. Incorporates the ID numbers of various cards and tickets of various transportation as electronic information, and digitizes the system itself for various certificates and contracts required for photographs and signatures, and communicates with mobile phones etc. Both the mobile phone etc. and the computer of the center have a mechanism to manage and operate them, and the mobile phone itself has various cards, tickets, insurance cards, various licenses and certificates, etc. Try to act as a seal or wallet. Until the spread of non-contact communication reception-only terminals of this system is advanced, it is necessary to share the card with a card. It is also convenient to store medical records used by medical institutions as other personal information. Furthermore, it can be connected to financial institutions, government offices, and other institutions through telephone lines and computer networks to settle fees, perform various procedures, and receive electronic licenses and various certificates. In addition, the electronic cash from the bank is taken into the mobile phone itself, that is, an electronic wallet through the telephone line and stored in the electronic wallet, so that the mobile phones can exchange currency electronically by infrared rays or the like, and the received electronic currency is transferred to the electronic wallet. You can store your money in your e-purse or transfer it to your bank account via a telephone line. Of course, at the counter of a financial institution such as a bank, the electronic currency in the electronic wallet must be convertible to cash. It also requires the ability to issue and receive legally valid electronic invoices, electronic receipts, and other electronic documents in connection with their work.

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] 0015

[Correction method] Change

[Correction contents]

Another problem is that the function of the cell phone has been lost due to a battery exhaustion or failure, and the ID numbers of electronically stored cash and cards have been lost, and the cell phone has been lost or stolen. Would be the case. In that case, a system for determining whether or not the mobile phone itself is used by the mobile phone itself can be constructed by combining the infrared ray emitted from the body with a collation system using voice, fingerprint, etc., and it is possible to prevent unauthorized use. In addition, it is necessary to provide a dedicated receiver or the like provided in the case where the mobile phone or the like loses or loses its function, with an electronic currency or ticket settlement function using the face, fingerprint, or retinal pattern according to claim 8. . It is also possible to check the status of the partner's assets and issue warnings before financial transactions. In addition, if you attempt to read internal information illegally, make unauthorized transactions, or if the phone is stolen or lost, the mobile phone itself will judge it and immediately delete the internal information or contact the communication company to make the mobile phone The problem can be solved by stopping the function, but the loss of data due to the malfunction of the mobile phone can be solved by making a backup of various data on a computer of an operation center such as a communication company. ────────────────────────────────────────────────── ───

[Procedure amendment]

[Submission date] August 17, 1999 (1999.8.1)
7)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Change

[Correction contents]

[Claims]

10. An electronic currency between mobile information terminals such as mobile phones or between them and a dedicated receiver using a contactless communication function provided for a mobile information terminal such as a mobile phone for receiving and clearing business. Of electronic invoices, electronic receipts, and other electronic documents that have legal grounds associated with the delivery of electronic tickets and electronic tickets. ────────────────────────────────────────────────── ───

[Procedure amendment]

[Submission date] January 13, 2000 (2000.1.1)
3)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Change

[Correction contents]

[Claims]

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07F 7/08 Z

Claims (6)

[Claims] An electronic currency system provided in a portable information terminal such as a mobile phone and using a contactless communication function for a reception and settlement business. 2. An account for managing an electronic currency according to claim 1 of a customer registered in a computer of an operating organization such as a telecommunications company, and various data; an electronic ticket according to claims 4 and 5; and various personal data. There should be a storage location and a system to manage them (should it be called a directory)? This is referred to here as the management center or simply the center. Although operation is possible with this alone, in order to save communication costs, a place to store such data and a system to manage and operate them are also provided on the mobile phone etc. used for this system, and the data at the center and the data are unified. To manage. The center and the storage location and system of a mobile phone or the like are used as an electronic wallet. Hereafter, it is called an electronic wallet. (3) A portable information terminal such as a mobile phone is provided with a non-contact communication function such as an electric wave, an infrared ray, an ultrasonic wave, and the like for receiving and clearing business. (B) A device for performing contactless communication with the mobile phone, etc., and performing reception and clearing business (automatic ticket gates, ticket vending machines, buses, etc. with built-in contactless communication function for performing reception and clearing business with mobile phones, etc.) Automatic clearing machines installed in taxis, registers required for clearing work in stores, etc., and dedicated receivers that are installed later on equipment that performs the work in order to accept clearing work with mobile phones, etc.) For equipment and automatic gates and electronic locks and so on. (C) Controlling home appliances and other devices by using the contactless communication function attached to the mobile phone for reception and clearing services, and incorporating control devices into home appliances, etc. . 4. An electronic ticket provided in a portable information terminal such as a mobile phone and utilizing a contactless communication function for a reception and settlement business. 5. A portable information terminal such as a mobile phone using a non-contact communication function for receiving and clearing business provided on a mobile information terminal such as a mobile phone.
Substitute the function of C card. 6. Various service functions provided in a portable information terminal such as a mobile phone and utilizing a non-contact communication function for reception and settlement business and a voice recognition function of a mobile phone and the like.