JP2002024722A - Mobile radio terminal device and digital cache transfer method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent the loss of convenience of an IC card which might be caused when a terminal for performing a value charge deals with only either one of a contact type IC card and a non-contact type IC card. SOLUTION: A digital cache transfer control part 100 transfers the value accumulated in the contact type IC card to a non-contact type IC chip 20 within its own machine through a card interface 10 according to the request from a user through a key input part 30.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for transferring electronic money stored in an IC card.

[0002]

2. Description of the Related Art Recently, various types of electronic money have been devised and put into practical use as new payment means without using a credit card. Electronic money is value (money value)
Is replaced by digital data, a typical example of which is an IC built into a plastic card
There are two types: "IC card type" that accumulates values in a chip, and "network type" that realizes value exchange using only software assuming use in online shopping on the Internet.

[0003] Among them, IC cards used for IC card type electronic money are roughly classified into "contact type" and "non-contact type". Then, the service provider establishes a corresponding settlement system according to the processing speed, the necessity of inputting the password at the time of value payment, the use amount, the maintenance of the IC card and the value input / output terminal, and the like. prepare.

[0004] For example, in a payment system using a contact type IC card, a password is input at the time of value payment, so that security is relatively high and is suitable mainly for ordinary purchase of goods at a retail store. A settlement system using an IC card has high immediacy, and is therefore suitable for payment of transportation fares such as trains and buses.

[0005] Therefore, it is assumed that a user owns two types of IC cards of a "contact type" and a "non-contact type" and uses them in accordance with the provided service. However, depending on the situation, the balance of the non-contact type IC card is lost even though the balance of the contact type IC card is sufficient, and the convenience of the user may be impaired.

[0006] Writing (charging) values to an IC card is supposed to be performed by an automatic teller machine (or automatic teller machine) of a bank. However, some banks have high security. Contact type IC
There may be a case where only an automatic teller machine corresponding to the card is installed, and the convenience of the non-contact type IC card may be impaired.

On the contrary, in the future, an automatic teller machine (or an automatic teller machine) compatible only with a non-contact type IC card having high maintainability will become common in the future.
It is conceivable that the value charging of the contact type IC card can be performed only by a limited terminal device, and the convenience of the contact type IC card is impaired.

[0008]

In a conventional payment system using electronic money, a contact type IC card and a non-contact type IC card are used.
Cards exist, and it is conceivable that users own both due to their respective merits, but the value charge for all IC cards is not always available at all banks, and its convenience However, there is a problem that there is a possibility that the image is damaged.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problem.
It is an object of the present invention to provide a mobile wireless terminal device and an electronic money transfer method that do not impair the convenience of both cards even when only one of the C card and the non-contact type IC card is supported.

[0010]

In order to achieve the above object, according to the present invention, in a mobile wireless terminal device capable of wireless communication, electronic money is stored and the electronic money is stored by electrical connection. A connection means capable of electrically connecting the input / output contact-type electronic money storage means, a non-contact electronic money storage means capable of storing the electronic money and inputting / outputting the electronic money by wireless communication, and being connected to the connection means; Between the contact-type electronic money storage means and the non-contact-type electronic money storage means, and transfer control means for transferring the electronic money accumulated in one storage means to the other storage means. I made it.

According to a third aspect of the present invention, there is provided an electronic money transfer method comprising: a terminal device for outputting at least electronic money; and a contact-type electronic device capable of storing electronic money and inputting / outputting electronic money through an electrical connection. A withdrawal step of electrically connecting the money storage means to the contact type electronic money storage means and transferring the electronic money from the terminal device to the contact type electronic money storage means; A connection step for connecting to the mobile radio terminal device,
Non-contact type electronic money storage means capable of storing electronic money and inputting / outputting electronic money through wireless communication, and contact type electronic money storage means connected to the mobile wireless terminal device. And a transfer control step of transferring the electronic money to the other storage means.

According to a fourth aspect of the present invention, an electronic money transfer method is provided for at least a terminal device that outputs electronic money and a mobile wireless terminal device that can perform wireless communication, and stores and stores electronic money. A withdrawal step of wirelessly connecting a non-contact type electronic money storage unit capable of inputting and outputting electronic money by communication, and wirelessly transferring the electronic money from the terminal device to the non-contact type electronic money storage unit; A connection step of electrically connecting the contact-type electronic money storage means capable of inputting / outputting electronic money to the mobile wireless terminal device by connection; a non-contact-type electronic money storage means; A transfer control step of transferring electronic money accumulated in one storage means to the other storage means between the electronic money storage means.

In the mobile wireless terminal device and the electronic money transfer method having the above-mentioned configurations, the contact type electronic money storage means capable of inputting / outputting electronic money by electrical connection is electrically connected to the mobile wireless terminal device. The electronic money stored in one storage unit is transferred to the other storage unit between the money storage unit and the non-contact type electronic money storage unit built in the mobile wireless terminal device.

Therefore, according to the mobile radio terminal device and the electronic money transfer method having the above-described configuration, if value charging can be performed on only one of the storage means, the settlement using the electronic money can be performed regardless of whether the payment method is the contact type or the non-contact type. And the convenience of the user is improved.

[0015] In addition, for a bank or the like who keeps electronic money, it is not necessary to provide both a terminal for contact-type electronic money storage means and a terminal for non-contact type electronic money storage means. Can be reduced.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 shows a configuration of a mobile wireless terminal device according to the present invention.
A terminal device of a mobile phone system, that is, a mobile phone will be described as an example.

In the following description, a configuration for exerting a normal function as a mobile phone is the same as the conventional one, so that illustration and description thereof will be omitted, and the configuration related to the present invention will be mainly described. .

The portable telephone shown in FIG. 1 newly includes a card interface (I / F) 10, a non-contact type IC chip 20, a key input unit 30, a display unit 40, and an electronic money transfer control unit 100. .

The card interface 10 is a contact type I
An interface for connecting a C card, and under the control of an electronic money transfer control unit 100 described later,
Input and output the value of electronic money stored in the C card.

The non-contact type IC chip 20 is a non-contact type IC chip.
It has a function equivalent to a card and has a function of storing the value of electronic money and paying a predetermined value by wireless communication in response to a request from a contactless electronic money settlement terminal such as an automatic ticket gate. .

The key input unit 30 is a key input unit such as a numeric keypad which is usually provided for a mobile phone for dialing. The display unit 40 is an LCD (Liquid Crystal D)
Various information can be displayed on a display unit such as isplay).

The electronic money transfer control unit 100 includes a flash memory and a microprocessor. The microprocessor transfers electronic money from a contact type IC card connected to the card interface 10 according to a program stored in the flash memory. reading,
Various controls for recording the value on the non-contact type IC chip 20 are performed.

Next, the value transfer control operation of the portable telephone having the above configuration will be described. FIG. 2 is a flowchart for explaining the control processing. This processing is performed by the electronic money transfer control unit 100,
The processing is started when a card is connected to the card interface 10 and a request is made from a user through the key input unit 30.

First, in step 2a, the card interface 10 is controlled to read out the personal identification number stored in the contact type IC card, and the process proceeds to step 2b. In step 2b, the display unit 40 is drive-controlled to display a message asking the user to input a personal identification number, the input of the personal identification number is accepted through the key input unit 30, and the process proceeds to step 2c.

In step 2c, it is determined whether or not the password read in step 2a matches the password received in step 2b. If the passwords match, the process proceeds to step 2d.

If the passwords do not match, the process proceeds to step 2e, where the display unit 40 is driven and controlled to display that the password is incorrect.
The process proceeds to b, and prompts the user to re-enter the personal identification number.

In step 2d, the card interface 10 is controlled to read out the value balance stored in the contact type IC card, and the process proceeds to step 2f. In step 2f, the display unit 40 is driven and controlled to display a request for input of a value to be withdrawn to the mobile phone. The input of the value to be withdrawn is accepted through the key input unit 30, and the process proceeds to step 2g.

In step 2g, it is determined whether or not the value balance read in step 2d is equal to or greater than the value of the value to be withdrawn that was accepted in step 2f. If the value is equal to or greater than the value of the value to be withdrawn, the process proceeds to step 2h.

If the value is less than the value to be withdrawn, the process proceeds to step 2i, where
Drive control of 0 is performed, an error display indicating that the requested value cannot be withdrawn is performed, and the process returns to step 2f to prompt the user to re-enter the value of the value to be withdrawn.

In step 2h, the card interface 10 is controlled to subtract the value of the value to be withdrawn received in step 2f from the value balance stored in the contact-type IC card, and the value to be withdrawn in step 2f. Is added to the value balance stored in the non-contact type IC chip 20, and the process ends.

As described above, in the portable telephone having the above configuration, in response to a request from a user through the key input unit 30,
The value stored in the contact type IC card is transferred to the non-contact type IC chip 20 in the own device via the card interface 10.

Therefore, according to the portable telephone having the above configuration, as shown in FIG. 3, an automatic teller machine (ATM)
Only supports contact IC cards, does not support contactless IC cards, and transfers values from the user's account to contactless IC cards.
Even if the C chip 20 cannot be charged, the value is once charged into the contact IC card, and then, if necessary, the user can transfer the value in the contact IC card to the non-contact IC chip in the mobile phone. 20.

For this reason, if the user can carry out value charging only for the contact type IC card, it is possible to make payment by electronic money in both the contact type and the non-contact type, and the convenience of the user is improved. .

Also, for a bank or the like who keeps electronic money, it is not necessary to provide a value charge terminal for a contact type IC card and a value charge terminal for a non-contact type IC card. Can be reduced.

The present invention is not limited to the above embodiment. For example, in the above embodiment, the card interface 10 capable of connecting the contact type IC card to the mobile phone is provided. Instead of this, for example, recently, an external card interface is connected to a data communication interface that is standardly mounted on a mobile phone, and the value is transferred from a contact IC card through the card interface. Good.

For example, in the above embodiment, the contact type I
Only the value transfer from the C card to the non-contact type IC card has been described.
Value transfer to the C card may be performed.

In this case, an automatic teller machine (AT
M) only supports the non-contact type IC card, does not support the contact type IC card, and even if the value cannot be charged to the contact type IC card from the user's account, the value is temporarily stored in the non-contact type IC chip 20. After that, the user can transfer the value in the non-contact type IC chip 20 to the contact type IC card as necessary.

Further, the control program of the electronic money transfer control unit 100 may be recorded in a flash memory in advance, or may be recorded through the data communication interface, and may be updated as necessary. .

Furthermore, in the above-described embodiment, the description has been given by taking a mobile phone as an example. In addition, a PHS (Personal)
It is also possible to apply to a terminal device of Handyphone System). It goes without saying that various modifications can be made without departing from the spirit of the present invention.

[0040]

As described above, according to the present invention, the contact-type electronic money storage means capable of inputting / outputting electronic money by electrical connection is electrically connected to the mobile radio terminal. The electronic money stored in one storage means is transferred to the other storage means between the means and the non-contact electronic money storage means incorporated in the mobile wireless terminal device.

Therefore, according to the present invention, if value charging can be performed only on one of the storage means, it becomes possible to perform settlement by electronic money regardless of whether the payment method is a contact type or a non-contact type, thereby improving the convenience for the user. As well as improving the cost, it is no longer necessary for both banks and other depositors to keep both a terminal for contact-type electronic money storage and a terminal for non-contact type electronic money storage, greatly reducing costs. And a method for transferring electronic money.

[Brief description of the drawings]

FIG. 1 is a circuit block diagram showing a configuration of an embodiment of a mobile phone according to the present invention.

FIG. 2 is a flowchart for explaining a value transfer operation of the mobile phone shown in FIG. 1;

FIG. 3 is a diagram showing a configuration of an electronic payment system using the mobile phone shown in FIG. 1;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Card interface (I / F) 20 ... Non-contact type IC chip 30 ... Key input part 40 ... Display part 100 ... Electronic money transfer control part

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06K 19/00 G06K 19/00 Q 5B058 19/10 R G07F 7/08 G07F 7/08 LF term (Reference) 2C005 MA40 NA02 NA06 SA12 TA21 TA22 TA27 TA40 3E044 BA04 BA10 CA06 DA06 DC05 DE01 5B035 AA13 BB09 BC01 CA22 5B049 CC39 EE21 GG06 5B055 BB12 EE01 EE13 KK05 KK09 5B058 CA13 KA01 KA01 KA01

Claims (5)

[Claims] 1. A mobile wireless terminal device capable of wireless communication, comprising: a connection means for storing electronic money and electrically connecting a contact-type electronic money storage means capable of inputting and outputting the electronic money through an electrical connection; A non-contact type electronic money storage unit capable of storing electronic money and inputting / outputting the electronic money by wireless communication; a contact type electronic money storage unit connected to the connection unit; and a non-contact type electronic money storage unit. And a transfer control means for transferring electronic money stored in one storage means to the other storage means. 2. An electronic apparatus according to claim 1, further comprising an input unit configured to receive a designation of an amount from a user, wherein the transfer control unit is configured to switch between a contact type electronic money storage unit connected to the connection unit and a non-contact type electronic money storage unit. 2. The mobile wireless terminal device according to claim 1, wherein, of the electronic money stored in one storage unit, electronic money of the amount accepted by the input unit is transferred to the other storage unit. 3. The terminal device, wherein at least a terminal device that outputs at least electronic money and a contact-type electronic money storage unit that stores the electronic money and can input and output the electronic money through an electrical connection, A withdrawal step of transferring electronic money from the electronic money storage device to the contact-type electronic money storage means; a connection step of electrically connecting the contact-type electronic money storage means to a mobile wireless terminal device capable of wireless communication; A non-contact type electronic money storage unit which is provided in the device and stores the electronic money and can input and output the electronic money by wireless communication, and a contact type electronic money storage unit connected to the mobile wireless terminal device, A transfer control step of transferring electronic money stored in one storage means to the other storage means. 4. A non-contact electronic money provided at least in a terminal device for outputting electronic money and a mobile wireless terminal device capable of wireless communication, storing electronic money and inputting / outputting the electronic money by wireless communication. A withdrawal step of wirelessly connecting the storage means and wirelessly transferring the electronic money from the terminal device to the non-contact type electronic money storage means; a contact type capable of storing the electronic money and inputting and outputting the electronic money through an electrical connection; A connection step of electrically connecting the electronic money storage means to the mobile wireless terminal; and a connection step between the non-contact electronic money storage and the contact electronic money storage connected to the mobile wireless terminal. ,
A transfer control step of transferring electronic money stored in one storage means to the other storage means. 5. An input step of receiving a designation of an amount from a user of the mobile wireless terminal device, wherein the transfer control step includes: a contact-type electronic money storage unit connected to the mobile wireless terminal device; 4. The method according to claim 3, wherein, of the electronic money stored in one of the storage means, the electronic money of the amount accepted in the input step is transferred to the other storage means. Alternatively, the electronic money transfer method according to claim 4.