JP2001101300A - Portable communication equipment having credit card function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide credit authentication settling method and device which are performed by portable communication equipment such as a portable telephone and a PHS. SOLUTION: The portable communication equipment is made a device provided with use that is the same as that of a credit card by adding a credit card function other than a communication function. The device is connected to such as a credit authentication settlement terminal machine including a dedicated receiving medium device, and credit information is analyzed and accumulated and then transmitted to the authentication settlement terminal machine, etc., to perform settlement. In a medium that does not have the authentication settlement terminal machine, etc., the communication function of the portable communication equipment is automatically operated by a transmission function instruction of the dedicated receiving medium device to be connected to a center capable of performing credit authentication settlement, etc., and processing is carried out.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a credit authentication and settlement method using a portable communication device and a device operation technique.

[0002]

2. Description of the Related Art A conventional credit authentication settlement method and apparatus operation technique using a portable communication device is a credit authentication settlement method and apparatus in which communication processing always using the communication function of the portable communication apparatus and authentication settlement processing are combined. Operational technology.

[0003]

In the prior art method,
Depending on the communication status of the portable communication device, such as interruption of the credit authentication and settlement process due to sudden disconnection of the line during communication, occurrence of a device unusable state outside the communication range, etc. There are problems such as feeling uneasy factors in authenticating and settlement of a certificate.

[0004] Further, in the case of a credit card, there are problems in that a counterfeit card is generated, a cost for a distribution card operation at the time of updating the credit card is high, and a card distribution is impossible due to the absence of a customer, and a redistribution processing operation is increased.

[0005] The present invention is designed to reduce the cost and the amount of business in consideration of allowing the customer to shift the system form and operation of the credit company without changing as much as possible with the conventional handling of the credit card. It is another object of the present invention to execute credit authentication settlement.

[0006]

In order to achieve the above object, a credit card function having credit information is added to a portable communication device in addition to a communication function, and a connection is made directly from an external connection terminal. Alternatively, the credit information is sent to a dedicated receiving medium device by an external connection device such as a dedicated cable or the like, and the analyzed and aggregated information data is sent to a credit authentication and settlement terminal so that it can be handled as a normal credit card.

[0007] In addition, among various vending machines and unmanned checkout machines, those provided with a separate communication medium are performed in the same manner as the above-mentioned credit authentication and settlement processing. Credit authentication settlement can be performed using the communication function of the portable communication device.

[0008] The process of updating the internal information of the portable communication device at the time of updating the credit card is performed using a communication function or an external connection terminal, and the information display of the credit authentication settlement is performed in real time during the connection.

The display of credit company service information and the like is enabled by using a communication function.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Referring to FIG. 1, in the case of payment at a credit member store, the connection is made directly from the external connection terminal of the portable communication device (1) or the external connection device (2) is used indirectly. Then, it connects to the dedicated receiving medium device (3) and transmits credit card information (ID number etc.).

[0011] The dedicated receiving medium device (3) performs an analysis and counting process, and transmits credit information to the credit authentication and settlement terminal (4), thereby performing a credit settlement trial at the authentication and settlement center and interpreting the result. Reply to the credit authentication settlement terminal (4).

The credit authentication settlement terminal (4) transmits the credit authentication settlement content information to the dedicated receiving medium device (3), and connects to the external connection device (2) or the portable communication device (1) by direct connection. Display credit authentication settlement contents information in real time on the display function.

[0013]

According to the present invention, the conventional communication function and the credit card authentication and settlement method can be easily used, so that the cost for improvement and the like can be reduced and early operation is possible. Also, depending on the degree of penetration, it will promote technological progress between the telecommunications industry and the credit distribution industry. By incorporating a dedicated receiving medium device, it will contribute to the operation method technology of various vending machines and unmanned checkout machines, and Improvements in the operation mode, such as changing the credit card function of the communication device to a shared card function, have the effect of accelerating the establishment of electronic settlement technologies such as firm banking and electronic money.

[Brief description of the drawings]

FIG. 1 is a processing configuration diagram of a credit member store and the like.

FIG. 2 is a processing configuration diagram of a wired unmanned payment machine device.

FIG. 3 is a processing configuration diagram of a wireless unmanned checkout device;

FIG. 4 is an example of each device connection based on an external appearance image.

FIG. 5 Credit card update processing and distribution method

[Explanation of symbols]

 Portable communication device External connection equipment Dedicated reception media device Various credit authentication and settlement terminals

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Claims (5)

[Claims] An apparatus (1) and a processing method in which credit information is read into a main body of a portable communication device such as a mobile phone or a PHS, and the same function as a credit card is added separately from a communication function. 2. A connection method and an external connection device (2) for a direct connection using an external connection terminal or the like of a portable communication device (1) or an indirect connection using an external connection device (2). 3. A dedicated receiving medium device (3) for receiving data such as credit information from a portable communication device (1), analyzing and collecting the data, and transmitting the data to a credit authentication terminal or the like, and a processing method. 4. A dedicated transmission medium device (3) for automatically executing a communication function of the device (1) according to claim 1 or another communication device and transmitting information data according to the information analysis contents of the dedicated reception medium device (3). 3) and transmission method. 5. A method and method for executing processing such as updating credit information inside a portable communication device (1) and displaying credit service information.