JP2001169357A - Mobile communication terminal and card information reader - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a user to carry information of cards such as a plurality of credit cards and cash cards altogether. SOLUTION: A mobile station 100 consists of a transmission reception section 110, a control section 120, a user interface 130, a data input output terminal 140, a magnetic writer 150, and a magnetic stripe 160 or the like. A control program stored in a program ROM 122 includes a program to control the magnetic writer to write/delete various sets of information to/from the magnetic stripe 160. A credit ROM 123 stores information relating to attribute of a credit contract contracted in advance between a user and a credit company. The magnetic writer 150 writes the credit contract information given from the control section 120 to the magnetic stripe 160 or deletes the credit contract information from the magnetic stripe 160.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a mobile communication terminal having various card information and a card information reading device for reading the card information from the mobile communication terminal.

[0002]

2. Description of the Related Art Hitherto, credit transactions using credit cards and the like and fund transfers using cash cards have been widely performed. Recently, a new payment service using a debit card has been started.

[0003]

However, when a card user has a plurality of credit contracts or deposit accounts, it is necessary to carry a credit card or cash card for each contract or account, which is very troublesome. There was a problem. SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and provides a mobile communication terminal and a card information reading device capable of relieving a card user from having to carry various cards such as a credit card and a cash card. The purpose is to provide.

[0004]

According to an aspect of the present invention, there is provided a mobile communication terminal which is accommodated in a mobile communication network and performs wireless communication, a memory for storing card information, An output interface for reading out the card information from the memory and outputting the read out card information.

According to a second aspect of the present invention, in the mobile communication terminal according to the first aspect, the memory stores a plurality of pieces of the card information.
A mobile communication terminal comprising: a selection unit for selecting card information desired by a user; wherein the output interface reads the selected card information from the memory and outputs the read card information. To provide.

According to a third aspect of the present invention, there is provided the mobile communication terminal according to the first aspect, wherein the card information is information necessary for electronic commerce.

According to a fourth aspect of the present invention, there is provided the mobile communication terminal according to the third aspect, wherein the information necessary for the electronic commerce is credit card information.

According to a fifth aspect of the present invention, there is provided the mobile communication terminal according to the first aspect, wherein the card information includes at least information for identifying a user. is there.

According to a sixth aspect of the present invention, in the mobile communication terminal of the first aspect, the output interface reads the card information from a magnetic recording medium and the memory, and stores the read card information in the magnetic recording medium. A mobile communication terminal characterized by comprising a magnetic writer for writing on a medium.

According to a seventh aspect of the present invention, in the mobile communication terminal according to the first aspect, the output interface reads the card information from the memory and indicates the read card information, and is optically readable. It is an object of the present invention to provide a mobile communication terminal comprising a creating device for creating a code and a display device for displaying the created code.

According to an eighth aspect of the present invention, in the mobile communication terminal according to the first aspect, the output interface is an infrared interface that reads out the card information from the memory and emits infrared light indicating the read card information. A mobile communication terminal is provided.

According to a ninth aspect of the present invention, in the mobile communication terminal according to the first aspect, the output interface reads the card information from a data input / output terminal and the memory, and stores the read card information in the data. A mobile communication terminal characterized by comprising a data reading device for input / output terminals.

According to a tenth aspect of the present invention, there is provided a mobile communication terminal accommodated in a mobile communication network and performing wireless communication, comprising a magnetic recording medium for recording a plurality of pieces of card information. Is what you do.

The invention according to claim 11 is the invention according to claims 1 to 10
4. The mobile communication terminal according to claim 1, wherein the mobile communication terminal is a mobile phone that performs wireless telephone communication.

According to a twelfth aspect of the present invention, a code reading device capable of reading the code displayed on the display device of the mobile communication terminal according to the seventh aspect, and analyzing the read code is provided. An analysis device for acquiring the card information is provided, and a card information reading device is provided.

According to a thirteenth aspect of the present invention, there is provided a card information reading device comprising an infrared interface for receiving infrared rays radiated from the mobile communication terminal according to the eighth aspect.

[0017]

DESCRIPTION OF THE PREFERRED EMBODIMENTS [Configuration] [Configuration of Mobile Station] FIG. 1 is a block diagram showing a configuration of a mobile station 100 according to an embodiment of the present invention. This mobile station 1
Reference numeral 00 denotes a transmission / reception unit 110, a control unit 120, a user interface 130, a data input / output terminal 140, a magnetic writer 150, a magnetic stripe 160, and the like.

The transmission / reception unit 110 performs wireless communication with a base station of a mobile communication network that provides mobile telephone communication and mobile packet communication.

The control unit 120 controls each unit of the mobile station 100, and includes a CPU 121, a program R
OM122, ROM123 for credit, RAM124
And so on. Here, at least two types of modes can be set in the mobile station 100, a "call mode" for making a call and a "card mode" for using credit. The control unit 120 controls each unit of the mobile station 100 according to the setting status of each of these modes.

The RAM 124 is used as a work area for the CPU 121 and a user data area for telephone directory data and the like.

The credit ROM 123 stores information on attributes of a credit contract concluded between the user and the credit company (hereinafter referred to as credit contract information). The credit contract information includes, for example, the name of the credit company with which the user has made a credit contract, the URL of the server of the credit company (described later), the credit card number (an identification number given for each credit contract, (Consisting of 16 digits), credit contract expiration date, user name, and the like. When the user has a plurality of credit contracts with a plurality of credit companies, the credit contract information relating to the plurality of contracts includes the credit RO information.
It is stored in M123.

The credit ROM 123 can be accessed only from a dedicated ROM reader / writer or a dedicated server of a credit company. RO for credit from dedicated ROM reader / writer
When accessing M123, the data input / output terminal 14
0, the write information to the credit ROM 123 is sent from the ROM reader / writer connected to the control unit 120 to the control unit 120. The control unit 120 checks the validity of the ROM reader / writer that has accessed the RO
The contents are written to M123. When accessing the credit ROM 123 from a dedicated server, the server writes information to the credit ROM 123 to the control unit 120 via a network such as a mobile packet communication network. Then, after confirming the validity of the accessed server, the control unit 120 writes the contents into the credit ROM 123. In addition,
When the control unit 120 detects a means other than the above that attempts to access the credit ROM 123, the control unit 120 performs processing for disabling the mobile station 100 itself.

A control program is stored in the program ROM 122, and the CPU 121 reads out the control program and executes various control processes. The control programs include various programs described below, in addition to programs related to the call function that the mobile station 100 normally has.

This control program includes document data browsing software (browser). CPU121
Can read out the browser from the program ROM 122 and execute it to obtain HTML-format data from various information providing servers connected to the Internet via a gateway server (described later). is there. Note that H in this mobile station 100
The acquisition of the TML data is completed by transmitting an acquisition request designating the URL of the resource to the information providing server via the gateway server, and storing the HTML data transmitted from the information providing server in the RAM 124 in response to the request. I do.

Further, the control program includes a program for writing credit contract information into the credit ROM 123 when a user makes a credit contract. Further, the control program includes a program for deleting the credit contract information stored in the credit ROM 123 when the use prohibition information of the mobile station 100 is received from the base station.

Further, as described above, the control program includes the credit ROM 123 by unauthorized means.
A program for making the mobile station 100 itself unusable when an act of trying to access is detected.

The control program includes a program for controlling the magnetic writer 150 to write and erase various information on the magnetic stripe 160.

The control program includes SSL
It also includes a security program that employs (Secure Sockets Layer), which guarantees privacy when using credits.

The magnetic writer 150 converts the credit contract information provided from the control unit 120 into a magnetic stripe 160.
Or the credit contract information on the magnetic stripe 160 is erased.

The magnetic stripe 160 is similar to a magnetic stripe widely used in current credit cards. Therefore, the credit contract information written on the magnetic stripe 160 is a magnetic stripe reading terminal (so-called CAT terminal) which is currently widely used.
Can be read. This magnetic stripe 160
Is provided on a plastic card (hereinafter referred to as a magnetic card 161) housed in the mobile station 100. The magnetic card 161 is driven in accordance with a predetermined key operation on a keypad, which will be described later, and is usually stored in the mobile station 100. A portion 160 is exposed from the mobile station 100 to the outside.

The user interface 130 includes a liquid crystal display for displaying characters and the like, a keypad for the user to perform various input operations, a microphone and a speaker for the user to talk. The keypad may be provided with a “card storage / exposure key” for operating storage / exposure of the magnetic stripe 160, or the magnetic stripe 160 may be operated by a predetermined key operation using an existing numeric keypad. It may be stored and exposed.

FIG. 2 is a perspective view showing the appearance of the mobile station 100 provided with the card storage / exposure key 131. FIG. 4A shows the mobile station 1 in which the magnetic card 161 is stored.
The mobile station 100 is provided with a throttle 101 for storing and exposing the magnetic card 161. FIG. 2B shows the mobile station in a state where the magnetic stripe 160 of the magnetic card 161 is exposed to the outside. By the above-mentioned predetermined operation of the user,
The state shown in FIG. 7A and the state shown in FIG. Note that a signature field for the user is provided on the back surface of the magnetic card 161 in the same manner as a conventional credit card.

[Configuration of Credit System] FIG. 3 is a block diagram showing a configuration of a credit system using the mobile station 100. This credit system is used for the mobile station 10
0, mobile telephone network 20, mobile packet communication network 30, CAT
Terminals 40a, 40b, CAFIS (Credit and F
Information System) network 50, credit servers 60A and 60B, the Internet 70, and the like.

A user who has signed a credit contract
The mobile station 100 is owned. The mobile station 100 is connectable to a mobile telephone network 20 and a mobile packet communication network 30.

The mobile telephone network 20 is a network for providing a general call service using a mobile station.
0 can receive the service through the mobile telephone network 20. The mobile telephone network 20 includes a number of base stations 31 installed at predetermined intervals in a communication area, an exchange (not shown) for performing a circuit switching service, a control station 33 for controlling the network, and a communication line (see FIG. (Not shown). The control station 33 has a subscriber database (not shown) for storing various information on subscribers who use the communication service.
Is provided. In addition, the base station 31, the exchange,
The control station 33, communication lines, and the like are shared with the mobile packet communication network 30.

The mobile packet communication network 30 includes a gateway server 32 in addition to the above-described base station 31, switching center, control station 33, communication line, and the like. This gateway server 3
Reference numeral 2 denotes a computer system provided in a mobile packet gateway relay exchange for interconnecting the mobile packet communication network 30 with another network such as the Internet 70, and performs conversion of different communication protocols among a plurality of networks. In this embodiment, the mobile packet communication network 3
0 and a standard communication protocol of the Internet 70 such as TCP / IP.

A large number of CAT terminals 40a, 40b,.
Is installed in a store, a cash dispenser (CD), or the like. Each of the CAT terminals 40a, 40b,... Has a magnetic reader (not shown), and can read credit contract information recorded on the magnetic stripe 160 of the mobile station 100. Also, the CAT terminals 40a, 40b,
Is provided with an input interface (not shown), and a store clerk or the like can input predetermined input information (for example, a purchase price) from the input interface. The CAT terminals 40a, 40b,.
It is connected to a dedicated network called S network 50,
The credit contract information read from the magnetic stripe 160 and the information such as the purchase amount, the purchase date and time, and the store of purchase related to the credit shopping are given to the CAFIS network 50 (hereinafter referred to as CAFI from the CAT terminals 40a, 40b,...).
The information given to the S network 50 is called credit information).

The CAFIS network 50 includes a number of CAT terminals 4
0a, 40b ... and credit servers 60A, 60B
.. Are connected. The CAFIS network 50 is a network connecting credit companies, distribution companies, and financial institutions at a nationwide level, and a CAFIS control center (not shown) controls the inside of the network. This CAFI
The S network 50 transfers various credit information generated by the user such as credit shopping or cashing to the credit server 6 which is the credit contractor.
0A, 60B,..., And credit / shopping availability information from any of the credit servers 60A, 60B,.
0b...

Credit servers 60A, 60B ...
Is installed in each credit company and is connected to the CAFIS network 50 and the Internet 70. The credit servers 60A, 60B... Store user information 61A, 61B... For storing contract user attribute information, credit contract information, and the like, and a credit database for storing contract user credit use history and fund settlement information. 62A, 62B,. The main functions of the credit servers 60A, 60B,... Are acceptance / examination / grant of a credit contract, determination of whether or not to use a credit, accumulation of credit contract information, credit information and user attribute information, credit shopping / caching, etc. And various kinds of information such as credit use history to the user, etc., and these functions will be described in detail below.

When the user signs a new credit contract, the credit servers 60A, 60B,...
0, etc. to the mobile station 100. Also, the credit servers 60A, 60B,... Examine whether or not to conclude a credit contract by using the contents input by the user according to the input screen, and if the credit contract, the necessary credit contract information To the mobile station 100, and also stores user attribute information and credit contract information relating to the contract in the user databases 61A, 61B,.

When the user performs credit shopping or the like, the credit servers 60A, 60
B ... are CAs from the CAT terminals 40a, 40b ...
Search the user databases 61A, 61B,... Based on the credit information given via the FIS network 50. And the credit servers 60A, 60B ...
Refers to the results of the search,
It is determined whether or not the shopping is legitimate, and the result of the determination is used as credit availability information as the CAFIS network 50.
To the CAT terminals 40a, 40b,.

Further, the credit servers 60A, 60B
If the credit shopping or the like is legitimate, the credit settlement process (that is, the process of withdrawing the credit from a credit withdrawal account) is performed for the credit shopping or the like. The credit servers 60A, 60B,... Store credit use histories related to legitimate credit shopping and the like and fund settlement information in the credit databases 62A, 62B,.

From the mobile station 100 to the mobile packet communication network 60
When there is a request for obtaining a credit use history or the like via the Internet 70, the credit server 60A, 6
0B ... first performs user authentication and the like by a predetermined method,
If the user is a valid user, the requested credit use history and the like are acquired from the credit databases 62A, 62B,... And given to the mobile station 100 via the Internet 70 and the mobile packet communication network 30.

[Operation] Next, the operations of the above-described mobile station 100 and the credit system at the time of a credit contract, the operation at the time of using a credit, the operation at the time of obtaining a credit use history, and the operation at the time of prohibiting the use of a credit will be described in order. .

[Operation at Credit Contract] FIG. 4 is a flowchart showing the operation when the user makes a credit contract using the mobile station 100.

First, the mobile station 100 is set to the card mode by a predetermined operation of the user. Then, a credit contract process is started by a predetermined operation of the user.

In step SP101, a contractable credit company is displayed on a menu on the liquid crystal display of the mobile station 100. The data of each credit company displayed on the menu includes the URLs of the credit servers 60A, 60B,... Of each credit company. In addition, the menu information of the credit company that can be contracted,
It may be stored in advance in the credit ROM 123 by default, or the user
0, the mobile packet communication network 30 and the Internet 70
May be obtained by connecting to a dedicated site for a credit contract via the Internet and downloading from the site.

In step SP103, the user selects and inputs a desired credit company from the displayed credit companies by key operation. here,
For example, assume that the credit contract of the credit company A is selected.

In step SP105, the mobile station 100
Converts the input contents (hereinafter, referred to as a credit contract request) into the U of the selected company A's credit server 60A.
It transmits to the base station 32 together with the RL.

In step SP107, the gateway server 32 receives the credit contract request and the URL via the base station 32 and the mobile packet communication network 30, performs a predetermined protocol conversion, and then performs the credit contract request based on the URL. Is transmitted to the credit server 60A.

At step SP109, the credit server 60A receives the credit contract request via the Internet 70.

In step SP111, the credit server 60A checks the information required for the credit contract (for example, name, age, date of birth, address, telephone number, work place, annual income,
The input screen data for prompting the user to input a personal identification number or the like is transmitted to the Internet 70 with the mobile station 100 as a destination.

In step SP113, the gateway server 32 receives the input screen data from the credit server 60A, performs a predetermined protocol conversion, and transmits the data to the mobile station 100 as a destination.

In step SP115, the mobile station 100
Receives input screen data from the gateway server 32. Then, the mobile station 100 starts up the browser and displays the received input screen data on the liquid crystal display.

In step SP117, the user refers to the input screen displayed on the liquid crystal display and
Input necessary information by key operation.

In step SP119, the mobile station 100
Transmits the input content (hereinafter referred to as input information) to the base station 32 together with the URL of the credit server 60A.

In step SP121, the gateway server 32 receives the input information and the URL via the base station 32 and the mobile packet communication network 30, performs a predetermined protocol conversion, and then performs the credit server 60A based on the URL. Send the input information to.

At step SP123, the credit server 60A receives the input information via the Internet 70.

In step SP125, the credit server 60A refers to the received input information to determine whether or not a credit contract is possible.

In step SP127, the result of the examination by the credit server 60A is determined. If the result of the judgment is that the examination is NG, in step SP129, the credit server 60A notifies the mobile station 100 that the contract cannot be made to the Internet. 70.

As a result of the determination in step SP127,
If the examination is OK, in step SP131, the credit server 60A transmits to the Internet 70, to the Internet 70, to the Internet 70, to the effect that the contract is permitted and the credit contract information to be stored in the credit ROM 123 of the mobile station 100. Then, in step SP133, the credit server 60A stores the user attribute information and the credit contract information in the user database 61A.

At step SP135, the gateway server 32 receives the information that the contract is not possible or the contract is possible and the credit contract information, performs a predetermined protocol conversion, and transmits the mobile station 100 as the destination.

In step SP137, the mobile station 100
Through the mobile packet communication network 30 and the base station 32,
It receives a message indicating that the contract is not possible, or a message that the contract is possible and credit contract information.

In step SP139, the mobile station 100
Displays the received content on the liquid crystal display. And
When the mobile station 100 receives the credit contract information and the credit contract information, the mobile station 100
Store credit contract information.

As described above, the mobile station 10 owned by the user
0 and the credit server 60 of the credit company
A, 60B,... Perform a process related to a credit contract by an electric communication means, and therefore perform the process (particularly, application of a credit contract from a user to a credit company, notification of credit availability from a credit company to a user, and credit processing). Card assignment) can be executed quickly.

[Operation when Using Credit] FIG. 5 is a flowchart showing the operation of the mobile station 100 and the credit system when the user uses credit.

First, the mobile station 100 is set to the card mode by a predetermined operation of the user. Then, a credit use process is started by a predetermined operation of the user.

At step SP11, the control unit 120 of the mobile station 100 reads out all the credit contract information stored in the credit ROM 123 and displays the credit company names on the liquid crystal display.

At step SP13, the user selects and inputs a desired credit company from the displayed credit companies by key operation. Here, for example, it is assumed that the credit contract of the credit company A is selected.
If the number of contracted credit companies is singular, "OK" may be input to the displayed credit company.

At step SP15, the control unit 120 of the mobile station 100 gives the credit contract information of the selected company A to the magnetic writer 150, and the magnetic writer 150 writes the given credit contract information on the magnetic stripe 160.

The credit contract information is the magnetic stripe 16
When the value is written to 0, the magnetic card 11 is in an exposure-ready state, and the control unit 120 displays on the liquid crystal display that the exposure is possible. Then, in step SP16, when the user who has visually confirmed that the exposure is possible presses the card storage / exposure key, the magnetic stripe 1 of the magnetic card 161 is pressed.
Sixty parts are exposed from the mobile station 100.

At step SP17, the magnetic stripe 1
60 is a CAT terminal (here, CAT terminal 40b)
The credit contract information on the magnetic stripe 160 is read into the CAT terminal 40b.

At step SP 19, C
A purchase amount or the like related to credit shopping is input to an input interface (not shown) of the AT terminal 40b.

At step SP21, the CAT terminal 40b
Is provided to the credit server 60A of the company A via the CAFIS network 50, and the credit contract information and the input contents (hereinafter, referred to as
Credit information).

At step SP23, the credit server 60A receives the credit information from the CAT terminal 40b.

At step SP25, the credit server 60A searches the user database 61A based on the received credit information and determines whether the requested credit shopping is legitimate. This determination may be, for example, whether the credit contract has expired, whether the credit limit has been exceeded, whether the magnetic card has been disabled, or the credit contract itself has become invalid. This is to check whether or not they are not.

If the result of the determination in step SP25 is that the credit is not valid, the process proceeds to step SP27, where the credit server 60A indicates that the requested credit cannot be used (and the reason that the requested credit cannot be used if necessary). And CA
The data is transmitted to the CAT terminal 40b via the FIS network 50.

On the other hand, as a result of the determination in step SP25, when it is determined that the credit is valid, the process proceeds to step SP29, and the credit server 60A transmits to the CAT terminal 40b that the requested credit is available. In step SP31, the credit use history and the fund settlement information are stored in the credit database 62A.

In step SP33, the CAT terminal 40b
Receives the determination result of step SP25 and the like.

Then, in step SP35, the CAT terminal 40b sends the judgment result or the like to the credit slip or C
Output to a display device (not shown) of the AT terminal. The clerk performs a predetermined procedure according to the displayed contents. Then, when the user writes the same signature as the signature on the back of the magnetic card in the signature field of the credit slip displaying the purchase amount and the like, the credit shopping procedure is completed.

On the other hand, when the user presses the card storage / exposure key at the end of reading the credit contract information on the magnetic stripe 160, the magnetic card 161 moves the throttle card 10 of the mobile station 100 at step SP37.
It is stored in one.

When the magnetic card is stored, step SP
At 39, the control unit 120 of the mobile station 100 gives the magnetic writer 150 a message that the credit contract information of the company A stored in the magnetic stripe 160 is erased.
50 executes it.

[Operation at Acquisition of Credit Usage History and the Like] The user uses the mobile station 100 to
60B..., It is possible to acquire various information such as a credit use history, the next credit withdrawal amount, and credit contract information. FIG. 5 shows that the user uses the mobile station 100 and the credit server 6 of the company B.
It is a flowchart figure which shows the flow of the process which accesses 0B and acquires its own credit use history etc.

First, the mobile station 100 is set to the card mode by a predetermined operation of the user. Then, a process of acquiring a credit use history or the like is started by a predetermined operation of the user.

At step SP51, the control section 120 of the mobile station 100 reads out the credit contract information stored in the credit ROM 123 and displays the credit company name on the liquid crystal display. Here, at the time of acquiring the credit use history and the like, it is assumed that user authentication is performed using a password previously notified to a credit company. Therefore, a password input field for inputting the password is also displayed on the liquid crystal display. Further, detailed contents of the information that the user wants to acquire, for example, “credit usage history”, “credit withdrawal amount”, “credit usage limit amount”, “caching balance”, or their “target period” (that is, A menu is displayed for each item column that displays the credit use history of "last month", the credit withdrawal amount of "this month", and the like.

At step SP53, the user selects a desired credit company from the displayed credit companies by key operation. Here, it is assumed that the credit company B has been selected. If the number of credit contracts is one, "OK" may be input to the displayed credit company. Further, the user inputs a password related to the credit contract of the company B by keying in a password input box displayed on the liquid crystal display, or inputs predetermined information in each item box.

When the predetermined input operation by the user is completed, in step SP55, the control unit 120 of the mobile station 100
The selected credit contract information and the content input by the user (hereinafter, these are collectively referred to as a user request) are
Along with the URL of the credit server of the company,
Transmit from 0 to the base station 31.

At step SP57, the gateway server 32 receives the user request via the mobile packet communication network 30, performs a predetermined protocol conversion, and connects the Internet 70 based on the URL of the designated company B. The user request is transmitted to the credit server 60B via the server.

At step SP59, the credit server 60B receives a user request via the Internet 70.

In step SP61, the credit server 60B searches the user database 61B based on the contents of the user request, and determines whether the request for obtaining credit information from the user is valid. This determination includes, for example, checking the user by collating the card number and the password, checking whether the magnetic card has been disabled, or whether the credit contract itself has been invalidated. It is.

If it is determined in step SP61 that the request from the user is not valid, the process proceeds to step SP63, in which the credit server 60B
With the address 00, the fact that the user request is not accepted (and the reason, if necessary) is transmitted to the Internet 70.

If the result of the determination in step SP61 is that the request from the user is valid, the process proceeds to step SP65, where the credit server 60B sends the credit database 62B and the user database 61
B is searched to obtain the information requested by the user.

Then, in step SP67, the credit server 60B transmits information requested by the user with the mobile station 100 as a destination to the Internet 70 with the mobile station 100 as a destination.

In step SP69, the gateway server 32 checks the processing result of the credit server 60B (ie, the processing result of the credit server 60B).
After receiving the request rejection or requested information) and performing a predetermined protocol conversion, it transmits the packet to the mobile packet communication network 30 with the mobile station 100 as the destination.

At step SP71, the mobile station 100
The processing result of the credit server 60B is received via the mobile packet communication network 30 and the base station 32.

At step SP73, the mobile station 100
The received processing result is displayed on the liquid crystal display.

According to the above-described method, the user uses the mobile station 100 to set up the credit servers 60A, 60B,.
To quickly obtain desired information anytime and anywhere.

[Operation when Credit Use is Forbidden] It is conceivable that the user loses the mobile station 100 or the mobile station 100 is stolen. In such a case, if the use of the credit is not prohibited, there is a possibility of unauthorized use by a third party. FIG. 7 is a flowchart illustrating the flow of a process of prohibiting the use of credit.

When the user loses or stolen the mobile station 100, the user contacts the communication company that manages the mobile telephone network 20 and the mobile packet communication network 30 by a predetermined method, and communicates with the mobile station 100 and credits. Tell them that use is prohibited.

In step SP81, the communication company receiving the above-mentioned communication from the user accesses the subscriber database of the control station 33 using the management terminal, and prohibits the use of the communication service and credit to the user. Perform setting processing to perform Thereafter, use of the communication service and credit by the mobile station 100 of the user is prohibited.

Specifically, the operation is as follows. First, in step SP83, a third party who has illegally acquired the mobile station 100 turns on the power of the mobile station 100.

At step SP85, the mobile station 100
Using a specific channel, the mobile station 100
And an identification number. A base station whose location includes the location of the mobile station 100 (here, the base station 32).
Receives transmission information from the mobile station 100 and
Send to

At step SP87, the control station 33 receives transmission information from the base station 32.

At step SP89, the control station 3
3 accesses the subscriber database based on the received transmission information, and checks whether or not there is information on the communication of the mobile station 100 and the use prohibition of credit related to the transmission information.

In step SP91, the control station 33, which has determined that there is use prohibition information, informs the mobile station 10 via the base station 32 that the communication of the mobile station 100 and the use of credit are prohibited.
Send to 0.

At step SP93, the mobile station 100
The mobile station 100 receives the communication prohibition and credit use prohibition via the base station 31.

In step SP95, the mobile station 100
Performs credit use prohibition processing. This use prohibition process is, for example, a process of deleting the credit contract information stored in the credit ROM 123, or of disabling the magnetic writer 150.

The control station 33 may have only the communication use prohibition information of the mobile station 100, and may only give the mobile station 100 the communication use prohibition information of the mobile station 100. The mobile station 100 that has received the communication use prohibition information may perform the credit use prohibition process by determining that not only the use of communication but also the use of credit is prohibited. Further, each of the large number of base stations 32 may always transmit the above-mentioned use prohibition information to each jurisdiction area. And
The mobile station 100 that has received the transmitted use prohibition information
Means that the use prohibition process of the credit function may be performed.

[Modification] In the present embodiment, the mobile station 100 has only one magnetic stripe 160,
For the magnetic stripe 160, the magnetic writer 150
Has written credit contract information every time a credit is used, but this is not necessarily required. For example, on the magnetic card 161, a plurality of magnetic stripes 1
60 may be provided, and one magnetic stripe may correspond to one credit contract. That is,
Magnetic stripes 160 are provided as many as the number of credit contracts. In this case, the CAT terminal 40
a, 40b... read the magnetic stripe 160 in which the card information of the designated credit company is stored among the plurality of magnetic stripes 160.

[Second Embodiment] Next, a second embodiment will be described. In the present embodiment, the mobile station 100 transmits the credit contract information using the barcode to the CAT terminals 40a and 40b.
... FIG. 8 is a block diagram illustrating a configuration of the mobile station 100 that displays a barcode indicating credit contract information on the liquid crystal display 132.

The mobile station 100 includes a transmitting / receiving unit 110, a control unit 120, a user interface 130 having a liquid crystal display 132, a data input / output terminal 140, and the like.

The control program stored in the program ROM 122 includes a barcode creation program for creating barcode data indicating credit contract information. When it is necessary to display the credit contract information, the CPU 121 reads the credit contract information from the credit ROM 123, creates barcode data indicating the credit contract information according to a barcode creation program, and displays the barcode data on the liquid crystal display 132. I do.

On the other hand, the CAT terminals 40a, 40b,.
Is equipped with a bar code reader, and can read a bar code displayed on the liquid crystal display 132 of the mobile station 100. FIG. 9 is a block diagram illustrating a configuration of the CAT terminal 40 including the barcode reader. The CAT terminal 40 includes a user input interface 41, a transmission / reception unit 42, an output interface 43, a control unit 44, a barcode reader 45, and the like. The control unit 44
It controls each part of the CAT terminal 40. The user interface 41 is for a clerk or the like to input a purchase amount or the like. The barcode reader 45 reads a barcode displayed on the liquid crystal display 132 of the mobile station 100. The transmission / reception unit 42 exchanges various data with the CAFIS network 50. The output interface 43 is a credit slip printing device or the like. Other configurations and operations are the same as those of the first embodiment.

Note that what is displayed on the liquid crystal display 132 is only required to be optically readable, and may be, for example, a color code, a peri code, or the like.

[Third Embodiment] Next, a third embodiment will be described. In the present embodiment, the mobile station 100 gives credit contract information to the CAT terminals 40a, 40b,.

FIG. 10 is a block diagram showing a configuration of the mobile station 100 for giving credit contract information to the CAT terminals 40a, 40b,... By infrared communication. This mobile station 1
00 denotes a transmission / reception unit 110, a control unit 120, a user interface 130, a data input / output terminal 140, a modulation unit 17
0, an infrared radiating section 180 and the like.

The CPU 121 stores the credit contract information in C
When it is necessary to provide the AT contract information to the AT terminals 40a, 40b,... Modulation section 170
Modulates the infrared carrier with a signal wave corresponding to the given credit contract information, and provides the modulated carrier to the infrared radiating unit 180. Infrared radiating section 180 radiates a given infrared ray.

Are provided with an infrared receiving section and a demodulating section. The CAT terminals 40a, 40b,... Receive the infrared rays radiated from the infrared radiating section 180 of the mobile station 100, demodulate them, and transmit the credit contract information. Can be obtained.
FIG. 11 is a block diagram illustrating a configuration of the CAT terminal 40 including the infrared receiving unit and the demodulating unit. This CAT terminal 4
0 is a user input interface 41, a transmitting / receiving unit 42,
Output interface 43, control unit 44, infrared receiving unit 4
6, a demodulation unit 47 and the like. Other configurations and operations are the same as those of the first embodiment.

[Fourth Embodiment] Further, the mobile station 100
.. May be given credit information to the AT terminals 40a, 40b,. FIG. 12 is a block diagram showing a configuration of the mobile station 100 that provides credit contract information to the CAT terminals 40a, 40b,.

The mobile station 100 comprises a transmitting / receiving unit 110, a control unit 120, a user interface 130, a data input / output terminal 140 and the like.

The CPU 121 stores the credit contract information in C
When it is necessary to provide the AT contract information to the AT terminals 40a, 40b,... Then, the data input / output terminal 140 supplies the given credit contract information to the data input / output terminals of the CAT terminals 40a, 40b,.

FIG. 13 shows a CA having data input / output terminals.
FIG. 2 is a block diagram illustrating a configuration of a T terminal 40. This CAT
The terminal 40 includes a user input interface 41, a transmission / reception unit 42, an output interface 43, a control unit 44, a data input / output terminal 48, and the like. Other configurations and operations are the same as those of the first embodiment.

[Others] In the above-described first to fourth embodiments, the mobile station (so-called cellular, PHS, etc.) has the card information of the credit card. It is not limited to only a mobile communication terminal having no telephone function (for example, PD
A etc.). Further, the card information of the mobile station 100 is not limited to the card information of the credit card, but may be the card information of another electronic commerce card. For example, it may be a cash card, a debit card, a ticket, a commuter pass, a coupon, a prepaid card, or the like. In addition, various status presentations
It may be card information of a credential card. For example,
Member's card that proves that you belong to a given organization,
It is a so-called ID card such as a license or insurance card. Here, Table 1 shows card information of the various cards. “Card information” described in the claims is a broad concept that collectively refers to such information.

[0124]

[Table 1]

Further, in each of the above embodiments, CA
The T terminals 40A, 40B,... May give their own information to the mobile station 100. For example, at the time of credit shopping, the CAT terminals 40A,
OB has information such as the purchase date and time, the purchase place, the purchase price, and the like related to credit shopping, but such information may be given to the mobile station 100. Then,
The mobile station 100 includes credit servers 60A, 60B,.
It is possible to accumulate the credit use history and calculate the credit withdrawal amount without the need to access. Therefore, in each of the above-described embodiments, the CAT terminals 40a, 40b,.
It has a data input / output terminal connected to the data input / output terminal of 0 and capable of giving the information.

[0126]

As described above, according to the present invention, it is possible to obtain an effect that the user is free from the trouble of carrying various cards by carrying one mobile communication terminal.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of a mobile station 100 that functions as a credit card according to an embodiment of the present invention.

FIG. 2A is a perspective view showing an appearance of a mobile station 100 in a state where a magnetic card 161 is stored, and FIG.
4 is a perspective view showing an appearance in a state where a magnetic stripe 160 portion of the magnetic card 161 has jumped out of the mobile station 100. FIG.

FIG. 3 is a block diagram showing a configuration of a credit system using the mobile station 100 according to the embodiment.

FIG. 4 is a flowchart showing operations of the mobile station 100 and the credit system when a user makes a credit contract.

FIG. 5 is a flowchart showing the operation of the mobile station 100 and the credit system when the user uses a credit.

FIG. 6 is a flowchart illustrating a flow of an operation in which a user acquires a credit use history and the like.

FIG. 7 is a flowchart showing a flow of a credit use prohibition operation.

FIG. 8 is a block diagram showing a configuration of a mobile station 100 that displays a barcode indicating credit contract information on a liquid crystal display 132.

FIG. 9 is a block diagram showing a configuration of a CAT terminal 40 having a barcode reader.

[Figure 10] Credit contract information is transferred by infrared communication to C
FIG. 2 is a block diagram showing a configuration of a mobile station 100 provided to AT terminals 40a, 40b,...

FIG. 11 is a block diagram showing a configuration of a CAT terminal 40 having an infrared receiving unit and a demodulating unit.

FIG. 12 is a block diagram showing a configuration of a mobile station 100 that provides credit contract information to CAT terminals 40a, 40b,... Through existing data input / output terminals.

FIG. 13 shows a CAT terminal 40 having a data input / output terminal.
FIG. 3 is a block diagram showing the configuration of FIG.

[Explanation of symbols]

20: mobile telephone network, 30: mobile packet communication network, 31: base station, 40: CAT terminal, 50
..CAFIS network, 60 ... credit server, 61
... User database, 62 ... Credit database, 70 ... Internet, 100 ... Mobile station, 101 ... Throttle, 110 ... Transceiving unit, 120 ... Control unit, 121 ... CPU, 122
... ROM for programs, 123 ... ROM for credits, 124 ... RAM, 130 ... user interface, 131 ... card storage / exposure key, 13
2: liquid crystal display, 140: data input / output terminal, 150: magnetic writer, 160: magnetic stripe, 170: modulator, 180: infrared radiator

Claims (13)

[Claims] 1. A mobile communication terminal accommodated in a mobile communication network and performing wireless communication, comprising: a memory for storing card information; an output interface for reading the card information from the memory and outputting the read card information; A mobile communication terminal comprising: 2. The mobile communication terminal according to claim 1, wherein said memory stores a plurality of said card information, and a selecting means for selecting card information desired by a user from said plurality of card information. The mobile communication terminal, further comprising: reading out the selected card information from the memory, and outputting the read card information. 3. The mobile communication terminal according to claim 1, wherein the card information is information necessary for electronic commerce. 4. The mobile communication terminal according to claim 3, wherein the information necessary for the electronic commerce is credit card information. 5. The mobile communication terminal according to claim 1, wherein the card information includes at least information for identifying a user. 6. The mobile communication terminal according to claim 1, wherein the output interface includes: a magnetic recording medium; and a magnetic writer that reads the card information from the memory and writes the read card information to the magnetic recording medium. A mobile communication terminal comprising: 7. The mobile communication terminal according to claim 1, wherein the output interface reads the card information from the memory and creates an optically readable code indicating the read card information. A mobile communication terminal comprising: a device; and a code display device that displays the created code. 8. The mobile communication terminal according to claim 1, wherein the output interface is an infrared interface that reads out the card information from the memory and emits infrared light indicating the read card information. Mobile communication terminal. 9. The mobile communication terminal according to claim 1, wherein the output interface includes a data input / output terminal for inputting / outputting data to / from an external device, and reading the card information from the memory, A mobile communication terminal, comprising: a data reading device that supplies the data to the data input / output terminal. 10. A mobile communication terminal accommodated in a mobile communication network and performing wireless communication, comprising a magnetic recording medium for recording a plurality of card information. 11. The mobile communication terminal according to claim 1, wherein the mobile communication terminal is a mobile phone that performs wireless telephone communication. 12. A code reading device capable of reading the code displayed on the display device of the mobile communication terminal according to claim 7, and analyzing the read code to obtain the card information. A card information reading device comprising an analysis device. 13. A card information reading device comprising an infrared interface for receiving infrared light radiated from the mobile communication terminal according to claim 8.