JP2002123778A - Portable telephone set with collation function, collation system using the same, commerce transaction system using the same and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily and precisely perform identification even if a person does not bring various identifications and cards and to permit the person to purchase a commodity and to receive service in a store in a state where security is sufficiently secured without the need of a troublesome operation. SOLUTION: A collation function based on human body information is installed in a portable telephone set. Identification and electronic shopping by using identification information and human body information on a possessor, which are previously stored, are performed by the collation result of the collation function. The transfer of individual information such as identification information and information with respective monetary facilities is ciphered by a ciphering means. When the commodity is purchased and service is received in the store, a processing step for charging a selling amount from the account of the possessor in the monetary facility and transferring it to the account of a commodity or service facility, a step for transmitting data on the processing to the register terminal of the service facility and a step for transmitting data on the processing to the telephone set with collation function from the register terminal are included.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable telephone with a collation function for collating the owner and the user of the portable telephone, a collation system using the same, a commerce system for conducting a commercial transaction using the collation system, and It is about the method.

[0002]

2. Description of the Related Art In recent years, the spread of the Internet has been remarkable, and electronic commerce using the Internet has already been carried out, and commerce using IC cards has also been actively carried out. However, in e-commerce using the Internet, the general consumer cannot actually take the product and see it, and in some cases, hesitate to purchase the product, making it difficult to use the Internet for services other than products (goods) It may be. In a commercial transaction using an IC card, a consumer can pay for a product or a service using the IC card, but it is necessary to separately deposit the IC card into the IC card. It is necessary to carry the card, which is complicated. On the other hand, the spread of mobile phones has been remarkable, and there is the convenience that anyone who wants to talk can talk anytime and anywhere. Due to this convenience, it is not too long for each person to always carry their own mobile phone. In such a case, if the user can pay for the product using his or her mobile phone when purchasing a product or providing a service, it is not necessary to bring cash or various types of IC cards, which is extremely convenient.

Conventionally, with respect to a commercial transaction system using a portable telephone, for example, Japanese Patent Application Laid-Open No. 2000-184085 discloses the following contents. That is, an encryption / decryption function is added to the function of the mobile phone, and a function such as a digital cache, a memory for storing various user data, and infrared communication capable of close proximity communication is added. The user encrypts and sends the data of the debit amount and the like to the computer of the financial institution registered with the mobile phone, confirms the user at the computer of the financial institution, and withdraws the money from the user's account as a digital cash, Sent to the user's mobile phone. The user exchanges data with the store terminal using a near-field communication function such as an infrared communication function attached to the mobile phone,
The user pays for the digital cash in response to an input operation.

[0004] Further, regarding the usage of the portable communication device,
For example, JP-A-2000-99614 describes the following contents. That is, the one described in this publication is for conducting an economic transaction with a seller located at a remote facility, and the portable terminal sends a message to a remote service organization and responds to a response received from the remote organization. In response, the amount of money stored in the smart card is altered. That is, the terminal is used as a digital wallet that can increase the amount of money stored in one or more smart cards.

[0005]

However, in the above-described commercial transaction system using a mobile phone, a user withdraws money at a computer of a financial institution using the mobile phone, and the user operates a store using a key operation using an accessory function of the mobile phone. Since the user exchanges data with the terminal and pays for it, the user needs to perform a troublesome operation of once debiting money from a financial institution using a mobile phone. In addition, in the above-described method of using the mobile communication device, the user has to purchase a new smart card, and cannot purchase goods or receive services unless the user carries the smart card with the mobile terminal. There is. Thus, the present invention provides a method for verifying whether a mobile phone is owned or owned by the mobile phone when the mobile phone that is to be carried at all times is lost or when it is necessary to prove its identity. Providing a mobile phone with a collation function capable of performing a collation and a collation system using the same, and securing and convenient security by using such a mobile phone with a collation function even if no cash or IC card is brought. The present invention also provides a new commerce system and a method thereof that enable the above.

[0006]

According to a first aspect of the present invention, there is provided a portable telephone having a collating function, comprising: a portable telephone having a voice communication means and a display unit; Storage means for storing biometric information obtained by combining these, a camera having a lens and an image sensor for detecting biometric information of a user of the mobile phone; And a control unit for displaying on the display unit of the mobile phone that the verification by the verification unit is matched.

According to a second aspect of the present invention, there is provided a portable telephone with a collation function.
2. The camera according to claim 1, wherein the camera is provided with an illuminating means, and an activating means for activating the illuminating means is provided.
It is a thing of a statement.

According to a third aspect of the present invention, there is provided a portable telephone with a collating function.
3. The camera according to claim 2, wherein said operating means is provided near a lens of said camera.

According to a fourth aspect of the present invention, there is provided a portable telephone with a collation function.
A computer processing unit of a financial institution, a base station communicatively connected thereto, a cash register terminal installed in a product or service institution and capable of communicating with the base station, a mobile phone with a verification function capable of communicating with the cash register terminal or the base station. The mobile phone with a matching function used in a commercial transaction system for making a payment from the financial institution to the goods or the service institution by transmitting from the mobile phone with a matching function to the cashier terminal. A storage module for storing the biometric information of the owner in advance, a camera module for detecting the biometric information of the user, and a collation for comparing the biometric information by the camera module with the biometric information stored in the storage section. Means, an encryption means for encrypting a financial institution data signal designated by the owner, and an encrypted data by the encryption means. Data signal and a payment data signal for the product or service to the cashier terminal, transmitting and receiving means for receiving a received data signal from the cashier terminal, and decoding means for decoding the received data signal received by the transmitting and receiving means, Control means for transmitting an encrypted data signal by the encrypting means by the transmitting / receiving means when the collation by the collating means is suitable, and preventing transmission by the transmitting / receiving means when the collation by the collating means is inappropriate. , When the collation is unsuitable, the telephone call by the voice communication means is enabled.

According to a fifth aspect of the present invention, there is provided a portable telephone with a collation function.
The storage means stores any one of the owner's fingerprint, face, and iris or a combination thereof, and the financial institution data includes a name, a financial institution name, a branch name corresponding to the financial institution, and an account. The method according to claim 4, wherein the number is also stored.

[0011] According to a sixth aspect of the present invention, there is provided a portable telephone with a collation function.
5. The storage system according to claim 4, wherein said storage means stores a plurality of financial institution names, a branch name and an account number corresponding to each financial institution, and allows a user to select a specific financial institution.

[0012] A collating system according to claim 7 is a storage means for storing biometric information of the owner of the mobile phone, a detecting means for detecting biometric information of a user of the mobile phone, the biometric information by this detecting means and the storage. Collating means for collating the biometric information stored in the means, transmitting the biometric information stored in the memory means and a predetermined registration number to the base station when the collation matches, and receiving a response signal from the base station A mobile phone with a verification function having transmission / reception means, a storage unit for storing the biometric information of the owner and the predetermined registration number, biometric information and a predetermined registration of an inquiry signal transmitted from the mobile phone with the verification function A collating unit for collating a number with biometric information stored in the storage unit and a predetermined registration number, receiving an inquiry signal transmitted from the base station, and collating information by the collating unit. A computer processing unit of a registration management station having a transmission / reception unit for transmitting the response signal to the base station, and a user of the mobile phone with a verification function when the verification in the computer processing unit of the registration management station matches. Is certified to be registered in the registration management station.

[0013] A collating system according to claim 8 is a storage means for storing biometric information of the owner of the mobile phone, a detecting means for detecting biometric information of the user of the mobile phone, the biometric information by this detecting means and the storage. Collating means for collating the biometric information stored in the means, transmitting the biometric information stored in the storage means and a personal identification number registered at a predetermined financial institution to the base station when the collation is appropriate, and A mobile phone with a matching function having transmitting / receiving means for receiving a response signal, a storage unit for storing the biometric information of the owner, biometric information of an inquiry signal transmitted from the mobile phone with the matching function, and registration with the financial institution A collating unit for collating the obtained password with the biometric information and the password stored in the storage unit,
A computer processing unit of a financial institution having a transmission / reception unit for receiving the inquiry signal transmitted from the mobile phone with collation function and transmitting collation information by the collation unit to the mobile phone with collation function; When the collation in the computer processing unit of the institution matches, the user of the portable telephone with the collation function can make a commercial transaction with the financial institution.

According to a ninth aspect of the present invention, there is provided a commercial transaction system comprising a computer processing unit of a financial institution, a base station communicatively connected to the computer processing unit, a cash register terminal installed in a product or service institution and capable of communicating with the base station. A mobile phone with a collation function capable of communicating with the cashier terminal, and when data of the price for the product or service is transmitted from the mobile phone with the collation function to the cashier terminal, In a commerce system that pays its consideration to a service institution,
The above-mentioned portable telephone with a collation function comprises a voice communication means, a storage means for storing biometric information of its owner in advance, a detection means for detecting biometric information of the user, a biometric information by this detection means and the storage means Collating means for collating the biometric information stored in the, the encryption means for encrypting the financial institution data signal specified by the owner, transmitting the encrypted data signal by the encryption means to the cashier terminal, Transmitting / receiving means for receiving a data signal received from the cashier terminal, decrypting means for decrypting the received data signal received by the transmitting / receiving means, and an encrypted data signal by the encrypting means when matching by the matching means is appropriate And control means for preventing transmission by the transmitting / receiving means when the collation by the collating means is inappropriate. Receiving the encrypted data signal from the cell phone with the matching function, adding the financial institution data designated by the product or service institution, and adding the financial institution data designated by the owner via the base station to the computer processing unit of the financial institution designated by the owner First transmitting / receiving means for transmitting the encrypted data from the computer processing unit of the financial institution, and transmitting the encrypted data to a portable telephone with a collation function of the user; and a computer of the financial institution. A decrypting unit for decrypting the encrypted data from the processing unit; and a display unit for displaying the amount of payment by the decrypting unit. The computer processing unit of the financial institution is configured to transmit the encrypted data signal from the cashier terminal. Transmitting and receiving means for receiving the received data and transmitting the data to the cashier terminal; checking means for decrypting the encrypted data signal from the cashier terminal to verify the user; Debits from the owner of the account on the basis of the payment data signal of the user, and has an encryption means for encrypting the processed data to transfer money to the account of the financial institution designated by the service organization.

According to a tenth aspect of the present invention, there is provided the commercial transaction system, wherein the biometric information of the owner is registered in the computer processing section of the financial institution, and the biometric information detected by the detecting means of the portable telephone with the matching function is registered in the cash register. Send to terminal,
The computer processing unit of the financial institution compares biometric information transmitted from the cashier terminal with biometric information registered in advance, and confirms that the user is the owner. 9.

According to an eleventh aspect of the present invention, in the commercial transaction system, the processing data in the computer processing unit of the financial institution includes: 10. The method according to claim 9, further comprising a transfer amount to an account.

According to a twelfth aspect of the present invention, the encryption means in the computer processing unit of the financial institution includes:
Claims comprising: first encryption means for encrypting the debit amount and the balance after the withdrawal; and second encryption means for encrypting the transfer amount to a bank account designated by the cashier terminal. Item 9 is described.

According to a thirteenth aspect of the present invention, the decryption means of the portable telephone with the collation function decrypts the encryption by the first encryption means in the computer processing unit of the financial institution, and the decryption means in the cashier terminal. The decryption means according to claim 12, wherein the decryption means decrypts the encryption by the second encryption means in the computer processing unit of the financial institution.

According to a fourteenth aspect of the present invention, there is provided a commercial transaction method comprising: a collation step of collating biometric information stored in a portable telephone with a collation function with biometric information detected by a user; An input step of inputting to the mobile phone; a first transmitting step of transmitting the consideration and the financial institution data designated by the owner to a cash register terminal installed in the product or service institution when the collation matches; A second transmitting step in which the terminal transmits to the computer processing unit of the financial institution; and a process of debiting the consideration from the owner's account in the computer processing unit of the financial institution and transferring the same to the product or service institution's account. A processing step to be performed, a first reply step of transmitting data of the processing to the cashier terminal, The data of the processing from the end is obtained a second reply step of transmitting to the mobile phone having the above matching function.

According to a fifteenth aspect of the present invention, there is provided a commercial transaction method comprising: detecting biometric information of a user; reading biometric information stored in storage means of the portable telephone with a matching function; Comparing the biometric information with the obtained biometric information and inputting the price for the product or service by key operation of the mobile phone with a matching function, and displaying the price on the display unit; Or transmitting to the cash register terminal installed in the service institution; transmitting the value data signal from the cash register terminal to the computer processing unit of the financial institution designated by the owner; and A step of processing the payment for the goods or service institution by deducting the consideration from the owner's account Transmitting the data signal of the payment process from the computer processing unit of the financial institution to the cashier terminal; displaying the data signal of the payment process on a display unit of the cashier terminal; and data of the payment process. Transmitting a signal from the cashier terminal to the mobile phone with collation function and displaying the signal on the display unit.

[0021]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 Hereinafter, Embodiment 1 of the present invention. Will be described with reference to FIG. 1 and FIG. A mobile phone with a matching function according to the present invention is one-to-one corresponding to the owner. The owner of each mobile phone can use the mobile phone for conventional voice or data communication, as well as for facilities that require identification such as a driver's license, health insurance card or passport, a passport, an ID card, etc. Perform activities such as entry and exit, access to personal computers and personal databases, and electronic shopping using digital money. For example, in the case of conventional identification by a driver's license, passport, etc., it is necessary to use the one issued from each organization such as a police station, and they must always carry them as necessary. In the case of conventional electronic shopping using digital money, it is necessary to use an electronic card or the like in which digital money is stored in advance. On the other hand, the mobile phone with the collation function according to the present invention is intended to realize such an action by the mobile phone, and therefore, the personal information of the owner stored in the mobile phone in advance is possessed. It has a collation function for personal identification based on biometric information so as not to be used by anyone other than the user.

FIG. 1A shows the first embodiment. FIG. 1B is a cross-sectional configuration diagram of the mobile phone with a collation function shown in FIG. 1A, taken along the line AA ′, and FIG. FIG. 4 is a structural explanatory view showing a partial cross section of the biological information detecting means and a fingerprint reading state using the biological information detecting means. FIG. 1 (b) is the same as FIG.
FIG. 2A is a cross-sectional view taken along line AA ′ of the mobile phone with a collation function shown in FIG. Is omitted.

1 and 2, reference numeral 1 denotes a cell phone with a collation function, 2 denotes a main body frame of the cell phone 1 with a collation function, and 3 denotes a battery pack mounted on the back side of the cell phone 1 with a collation function to supply power. Reference numeral 4 denotes an antenna unit that can be pulled out from the main body frame 2, 5 denotes a microphone unit to which an audio signal is input, 6 denotes a speaker unit that outputs a voice signal of a call partner or a voice signal synthesized by voice to the outside, Reference numeral 7 denotes a key button for inputting information such as a name in association with the telephone number in addition to inputting the telephone number and IP address of the other party, 8 denotes reading, changing, and erasing the telephone number and the like stored in the storage means; Function keys 9 used for switching to an e-mail function, simplifying operation procedures, and the like, are built in the main body frame 2, and include a user's face,
Photographing means 10 including a camera module for photographing scenery and the like are arranged alongside the photographing means 9 and are biological information detecting means for detecting biological information such as fingerprints and irises. This biological information detecting means 10 is also constituted by a camera module or the like. For example, the focal length is shortened by making the thickness of the lens thicker than that of the photographing means 9 so that the biological information detecting means 1
Function as 0.

The reference numeral 11 ensures that the fingerprint information is detected, for example, when the fingerprint information is detected.
The guide portion 12 of the biological information detecting means 10 formed on the main body frame 2 detects the presence of a finger or the like at the time of detecting fingerprint information or the like so as not to interfere with the photographing of a landscape or the like. Operating means 13 such as a conductive member for instructing the detection of personal information by means of a relatively large screen, which can be obtained through the telephone number of the other party stored in the storage means, the personal information of the owner, or the wireless communication unit. Text information and image information such as e-mails,
A display unit such as a liquid crystal display panel for displaying image information photographed by the apparatus, fingerprint information detected by the biological information detecting means 10, etc., 14 is a display substrate for driving the display unit 5, 15 is the photographing means 9 and biometric measurement A board on which a circuit for driving the means 12 is mounted, and 16 is an input board for the key buttons 7 and the function keys 8.

In FIG. 2, reference numeral 17 denotes a lens of the photographing means 9, reference numeral 18 denotes a lens of the biological information detecting means 10, and reference numeral 19 denotes an image pickup device 20 which receives light formed by the lenses 17 and 18, respectively. An imaging substrate 21 is mounted on the main body frame 2 and is a transparent member such as glass or plastic on which a finger 24 is placed when fingerprint information is detected. Reference numeral 22 is provided near the lens 18 of the biological information detecting means 10, and includes a fingerprint, an iris. A light source such as an LED or a lamp that irradiates light to the transparent member 21 side when information or the like is detected.
A camera frame 24 that holds the image pickup substrates 19 and the light source 22 and is attached to a substrate (not shown) inside the main body frame 2. Reference numeral 24 denotes a user's finger placed on the transparent member 21.

As shown in FIG. In the mobile phone with the collation function according to
The camera 18 and the lens 18 of the biological information detecting means 10 are held by a camera frame 23, and the imaging substrate 20 is commonly used to integrate the photographing means 9 and the biological information detecting means 10. The lens 18 of the biological information detecting means 10 has a lens thickness greater than that of the lens 17, so that the image of the fingerprint of the finger 24 in contact with the transparent member 21 at a relatively short distance, that is, the image pickup substrate 19 Image sensor 2
It is configured so that an image is accurately formed on 0.

As shown in FIGS. 1 and 2, the guide portion 11 is formed so as to be recessed inside the mobile phone 1 with a collation function, and when fingerprint information is detected, the fingerprint information is detected. The finger to be settled in this guide part 11,
The guide section 11 prevents the detection position of the fingerprint information on the transparent member 21 from shifting. Then, the actuating means 12 moves the finger 24 from which the fingerprint information is detected to the transparent member 21.
It is provided at a predetermined position in the guide section 11 so that the presence of the finger can be detected when placed on the upper side. That is, when the user's finger 24 is placed on the guide portion 11, the abdomen of the placed finger 24 comes into contact with the operating means 12, whereby the presence of the finger 24 is detected.

Embodiment 1 Then, FIG. 1 (a)
As shown in the figure, the guide unit 11 is formed on the left side of the photographing means 9 and it is assumed that the apparatus 1 is used and operated with the right hand. 9 is desirably formed on the right side. That is, when the mobile phone 1 is used and operated with the right hand, the detection of the fingerprint information by the biological information detecting means 10 is performed on the finger of the left hand, but the guide portion 11 is formed on the left side of the photographing means 9. If the fingerprint information is detected,
Can be prevented from being hidden by the user's hand, and it is easy to detect the fingerprint information while confirming the announcement information displayed on the display unit and to confirm the fingerprint information detected by the biological information detecting means 10. It can be carried out.

In the portable telephone 1 with a matching function shown in FIGS. 1 and 2, the biological information detecting means 10 is mounted on the front side of the portable telephone 1 with a collating function so as to integrate the biological information detecting means 10 and the photographing means 9. Although the biological information detecting means 10 is provided separately from the photographing means 9,
May be provided on any surface other than the front surface. For example, FIG.
(A) and FIG. 3 (b) show an example in which the biological information detecting means 10 as described above is a camera module different from the photographing means 9 and is provided not on the front side but on the side of the mobile phone 1 with a matching function. FIG. 3 (a) and 3
In the mobile phone with matching function 1b shown in FIG.
Reference numeral 1 is formed on the upper part of the side surface of the mobile phone with matching function 1b. Also in this case, the position of the finger abutting on the transparent member 21 can be positioned at substantially the same position by the guide portion 11, and more accurate fingerprint information can be detected.

Embodiment 2 FIG. Next, Embodiment 2 of the present invention. Will be described with reference to FIG. FIG. 4 shows a mobile phone with a matching function according to the present invention. FIG. 4 is a block diagram showing functional blocks and the like incorporated in a mobile phone with a matching function according to the present invention (FIG. 1 or FIG. 3). In FIG. 4, reference numeral 24 denotes an A / D converter, an audio codec DSP, and the like. The analog audio signal extracted by the microphone 5 is digitally processed and output to the wireless communication unit 25, while the digital audio signal is output via the wireless communication unit 25. An audio codec that converts the demodulated digital audio signal into an original analog audio signal and outputs it to the speaker 6. An audio signal 25 that modulates and amplifies an audio signal to be transmitted or various data described later, A wireless communication unit having a modulation / demodulation function for demodulating the obtained high-frequency signal; 26, a control unit for executing various application programs such as a control program as a mobile phone, reading of a telephone number, execution of an e-mail function, and verification function; Are the various programs mentioned above, the telephone numbers of the recipients, and the names and addresses corresponding to each telephone number Information, and further a storage unit that stores personal information such as fingerprint, iris as described below.

The storage means 26 has a read / write R
It consists of an AM and a ROM that can only be read.
Personal information such as fingerprints and irises are stored in ROM so that they cannot be altered by external writing, and the stored contents are forcibly erased if they are disassembled by unauthorized means, for example, by unauthorized procedures. (Not shown). Thereby, even if this mobile phone 1
Even if the file is lost or stolen by another person, it is possible to reliably prevent the information stored in the ROM from being disclosed to another person.

Reference numeral 28 denotes an A / D converter for converting image information such as a fingerprint and an iris detected by the biological information detector 10 into an electric signal which is a binary or multivalued digital signal, and 29 denotes an A / D converter. A digital signal such as a fingerprint or an iris output from the unit 28 is input. For example, the digitized biometric information and the biometric information of the owner of the mobile phone 1 with the matching function registered in the storage unit 27 in advance (Such as fingerprint information and iris information digitized as described above), and biometric information such as fingerprints and iris detected by the biometric information detection unit 10 based on the coincidence rate or non-coincidence rate thereof, and storage means. 27 is a matching means for checking the compatibility with the biological information of the owner registered in advance in 27. A
The / D conversion unit 28 may be provided separately from the biological information detection unit 10 such as a camera module, or may be integrated with the biological information detection unit 10 to constitute a digital camera unit.

The reference numeral 30 indicates that the biometric information detected by the biometric information detector 10 by the collating means 29 matches the biometric information of the owner of the portable telephone 1 with the collation function registered in the storage means 27 in advance. The biological information detected by the biological information detecting unit 10 by the matching unit 29 is stored in the storage unit 2.
7 is determined to be compatible with the biometric information of the owner of the mobile phone 1 having the verification function registered in advance in the control unit 2.
6, the personal information of the owner selected or extracted from the storage means 27, for example, information on the owner's name, date of birth, gender, nationality, etc., biometrics showing biological characteristics such as fingerprint, iris, face, body type, etc. Information, furthermore, telephone number data of the mobile phone 1, information such as store codes and account numbers of financial institutions (banks, etc.) as business partners and driver's licenses, health insurance cards,
While various kinds of identification information and the like written on the passport, resident registration card, family register and the like are encrypted and output to the wireless communication unit 25, the same applies to each store such as a convenience store described later, a financial institution or a public institution. Is an encryption processing unit that performs encryption / decryption processing of various types of transaction information that have been encrypted and transmitted.

It is desirable that the encryption processing unit 30 employs a more advanced encryption technology so that the communication contents can be securely prevented from being tapped or falsified by a third party. This encryption means 3
By providing 0 and the collation means 29, it is possible to reliably prevent leakage of personal information to another person from the standby state to during communication. Also, by providing a means for forcibly deleting the stored contents when the storage means 26 is disassembled by an improper procedure, leakage of personal information to another person even when the power is not turned on is provided. Can be reliably prevented, and a higher security function can be provided.

Next, the collating operation of the cellular phone 1 with a collating function will be described with reference to FIGS. This collation operation can be performed not only based on fingerprint information but also based on biological information such as iris, face, and body type. Here, the collation operation of fingerprint information will be described. In the case of collation based on the fingerprint information, when the user's finger 24 is placed on the transparent member 21 in the guide section 11, the presence of the finger 24 is detected by the operating means 12. When the actuating means 12 detects the presence of the finger 24, the light source 22 and the control means 26
Notify. The light source 22 irradiates the reading unit, here, the finger 24 and the transparent member 21 with light at predetermined time intervals when receiving the notification of the detection signal from the operating unit 12. Upon receiving the notification of the detection signal from the operation unit 12, the control unit 26 switches the processing program from the communication standby state to the collation operation, and starts and elapses the collation processing and the collation operation and the subsequent collation results (coincidence / inconsistency, A process is performed to display on the display unit 13 information such as a coincidence rate and a request to read again.

In the collation operation based on the fingerprint information, the presence of the finger 24 can be detected by the operation means 12, and the collation processing is started based on the detection of the operation means 12. Is difficult to detect. In this case, a key operation may be performed by operating the key button 7, the function key 8, or a combination thereof, and the collation processing may be started after the key operation. Also in this case, the light from the light source 22 is output to the transparent member 21 side, and the reflected light, that is, the iris pattern is formed on the image pickup device 20 of the image pickup substrate 19 by the lens 18. For verification based on biological information such as face and body type,
Since the distance to a reading unit (to be described later) is greatly different, the distance may be determined based on, for example, a face pattern and a body pattern formed by the imaging unit 9.

The light reflected from the reading unit is
Thus, an image of the fingerprint that can be processed electrically is detected on the image pickup device 20 of the image pickup substrate 19. In this way, the fingerprint information is detected by the biological information detecting unit 10. Note that the fingerprint information detected by the biological information detection unit 10 includes the shape of the vortex, the depth of the fingerprint, the number of grooves,
This is a so-called fingerprint pattern characterized by an interval or the like, and cannot be collated by the collation unit 29 as it is. Therefore, the fingerprint information detected by the biological information detection unit 10 is output to the A / D conversion unit 28 and converted into an electric signal that can be compared, that is, an electric signal that is a binary or multivalued digital signal. The fingerprint information converted into a digital signal by the A / D conversion unit 28 is output to the matching unit 29, and the fingerprint information and the owner's fingerprint information stored in the storage unit 27 in advance (this fingerprint information is also used as described above) The matching means 29 performs the matching processing based on the fingerprint information converted into the digital signal. The collation result of the collation means 29 is notified to the control means 26.

Note that this matching process may be performed by any matching method. However, as described above, the mobile phone 1 according to the present invention uses personal information to perform various actions (electronic commerce, identification card identification, etc.). It is desirable to adopt a method that allows the personal identification to be determined with high accuracy from the viewpoint of issuing / updating. If such a collation processing program is stored in the RAM of the storage means 27, the new collation function is always provided by updating the program each time a new processing program is developed. Becomes possible.

As a result of the matching process by the matching unit 29, the control unit 26 matches the fingerprint information detected by the biometric unit 10 with the fingerprint information stored in the storage unit 27, that is, when the fingerprint information matches (the identity of the owner). In the case), the processing program is switched from a state in which voice communication or data communication is performed to a state in which various services requiring personal information, such as electronic shopping, can be received or executed. In this case (in the case of another person), the standby state of voice communication or data communication is continued.
Thus, in the mobile phone with a matching function according to the present invention,
Even if it is determined that the fingerprint information detected by the biometric unit 10 and the fingerprint information stored in the storage unit 27 are inconsistent as a result of the collation process, the so-called voice communication or data communication that does not require personal information continues. It is possible to do.

In general, a mobile phone is always kept in a standby state in order to respond to a call request from a partner. For example, it is conceivable to perform identity verification when turning on the power.However, if the power is not turned on, it will not be possible to enter standby mode, and once the power is turned on, it will be lost or stolen. Anyone other than the owner can use it. On the other hand, in the mobile phone with a matching function according to the present invention, since the matching process is executed in the communication standby state, it is possible to respond to a call request from a third party in real time, Mobile phones can be provided with advanced security functions. In other words, in the case where the identity information and biometric information of the owner are stored in advance in the mobile phone and the personal information is used for identity confirmation, electronic shopping, etc., even if the mobile phone is lost or stolen. Also, it is possible to reliably prevent unauthorized use of the personal information stored in the mobile phone by another person.

If the fingerprint information detected by the biometric unit 10 and the fingerprint information stored in the storage unit 27 match, the control unit 26 displays a menu screen on the display unit 13 and informs the owner of the electronic device. The user is prompted to select a function to perform an action (processing) such as shopping and reading / updating of an ID card. The owner selects a desired item from the menu displayed on the display unit 13 using a key button or the like, and this selection signal is output to the control means 26. The processing is switched to the processing program of the selected item and executed.

For example, when electronic shopping is selected, it is necessary to process digital money in a bank or the like in electronic shopping, and a financial institution code, a bank account number, a password, and a reply The personal information such as the telephone number of the mobile phone 1 is read out from the storage unit 27 and encrypted by the encryption processing unit 30. When reading of the identification card is selected, the biometric information such as the owner's name, gender, age, identification number, and fingerprint information is read from the storage means 27 because it is necessary to confirm the identity at a public institution or the like. And is encrypted by the encryption processing unit 30. The above personal information encrypted by the encryption processing unit 30 is output to the wireless communication unit 25 and wirelessly transmitted through the antenna unit 4. A specific transaction method and usage in various services using the mobile phone with a matching function according to the present invention will be described later.

Embodiment 3 Next, Embodiment 3 of the present invention. Will be described with reference to FIGS. 5, 6, and 7. FIG.
The present embodiment relates to a collation system that uses the mobile phone with a collation function described in the first and second embodiments as a means for identifying the owner. Examples of cases where identification is required include, for example, the presentation of a driver's license to a police officer, the presentation of a passport at an airport, the presentation of a health insurance card at a hospital, and other important facilities where only specific persons are allowed to enter and leave. And access to databases and personal terminals installed in government offices and companies. The verification system according to the present invention is applied to a situation where such identification is required, and is executed in a form corresponding to the application to which the identification system is applied.

For example, in a collation system as shown in FIG. 5 to be described later, the result of the identity confirmation at the registration management station and other information are returned to the cellular phone 1 with the collation function in order to present the identity information to the police officer. However, if it is used for access to important facilities, etc., access to databases or personal terminals installed in government offices or companies, etc. It is necessary to open and close entrances and exits according to the result, and to permit access to the database or personal terminal device. For this purpose, it is necessary to enter and exit based on instructions from a computer processing unit for confirming identity information. A means for opening and closing the exit, a means for releasing the protection of the database or the personal terminal device, and the like are provided on the registration management station side.

FIG. 5 shows a third embodiment of the present invention. FIG. 1 is a block diagram conceptually showing a collation system according to the present invention. In FIG. 5, reference numeral 1 denotes a mobile phone with a matching function having the same configuration and function as those described in Embodiments 1 and 2 (the specific configuration will be described with reference to FIG. 4);
Reference numeral denotes a registration management station that is installed in a police station or the like and performs a step of confirming identity information based on the identity information from the mobile phone 1 with a collation function. The storage unit 27 of the mobile phone 1 with a collation function stores information serving as an identity card of the owner, for example, a driver's license for a car, a bus, a train, etc., and various other membership cards, etc. Information (hereinafter, referred to as "identity information") is stored. In the case of an automobile driver's license, the driver's license registration number is used, and in the case of a health insurance card, the insurance license number is used. The storage unit 27 also stores the biometric information (information such as face and fingerprint) of the owner in order to prove that the mobile phone with matching function 1 is the owner's own.

On the other hand, the registration management station 200 stores the same identification information (driver license registration number, insurance card number, etc.) as the contents stored in the storage unit 204 of the computer processing unit 201 in the mobile phone 1 with the matching function. Biological information (iris, fingerprint information, etc.) is registered and stored. The storage unit 204 registers personal information of many owners, and has a data structure so that the identity of each owner of the mobile phone 1 with a matching function can be confirmed. It should be noted that registration of identity information and biometric information in the mobile phone with collation function 1 and the registration management station 200 is performed, for example, in the case of a driver's license due to the high confidentiality of the information. Performed by the Safety Association. When renewing the driver's license, the personal information is updated at the above-mentioned location as needed.

To briefly explain the outline, the identification information such as the driver's license registration number and the biometric information transmitted from the mobile phone 1 with the matching function is transmitted to the registration management station 2 via the base station 100.
00 is received by the transmission / reception unit 202 and collated by the collation unit 203 with the identity information stored in the storage unit 204 in advance. The collation result of the collation unit 203 is transmitted from the transmission / reception unit 204 to the mobile phone with collation function 1 via the base station 100.

Next, the operation of the collation system shown in FIG. 5 will be described in detail with reference to the flowchart of FIG. As described above, the mobile phone with collation function 1 has not only a call function as an original mobile phone but also a function as various identification means for its owner. For example, in the case of driving a car, conventionally it was necessary to carry a driver's license, but in the verification system according to the present invention, each driver carries his or her own mobile phone 1 with a verification function as a driver's license. become. Hereinafter, the operation of the verification system will be described by taking, as an example, a procedure in which a police officer checks a driver's license for a driver during traffic control. As will be described later, the procedure for confirming the driver's license is composed of two processes, ie, an owner confirmation process and an identity information confirmation process in the mobile phone 1 with a collation function. In the process of confirming the owner of the mobile phone with function 1, it is necessary to confirm that the user of the mobile phone with matching function 1 is the owner of the mobile phone 1. First, the owner confirmation process will be described.

When a police officer requests a driver to present a driver's license, the driver first inputs biometric information such as a fingerprint by the biometric information detection 10 of the mobile phone 1 having a collation function carried by the driver (step). 1). When the biometric information is input, the biometric information is compared and collated with the biometric information stored in advance in the mobile phone 1 with the collation function when a driver's license is issued or updated (step 2).
These steps correspond to the compatibility between the owner of the mobile phone with collation function 1 and the driver who is the user (whether or not there is a match).
Do to make sure.

When the biometric information input in the above step does not match the biometric information stored in advance, a message such as "collation does not match" is output as a result of the non-compliance with the portable telephone 1 with the collation function. The result is displayed on the display unit 13 (Step 3), and the collation processing ends (Step 4). By presenting the result of this “verification mismatch”, the police officer can determine that the driver is “non-license carrying”. On the other hand, if this match is found, a message such as "match found"
The driver's license registration number and the driver's biological information (photograph) stored in the storage means 27 in advance are stored in the mobile phone 1 with the matching function.
Is displayed on the display unit 13, and the displayed contents allow the police officer to visually confirm the suitability of the driver himself and the owner of the mobile phone 1 with a collation function as a driver's license (step 5).

The steps so far are the owner confirmation process. Note that, at the stage of the owner confirmation process, the mobile phone with matching function 1 maintains a state in which a call can be made (call mode). That is, the mobile phone 1 maintains the call waiting state, and when the compatibility check in step 5 is completed, the wireless mode is switched from the call mode to the collation mode (step 6), and the identification information described below is transmitted. Start the verification process.

Here, the mechanism for switching the wireless mode will be described in detail with reference to FIG. FIG. 7 is a block diagram showing a specific mechanism for switching between the call mode / verification mode. In FIG. 7, reference numeral 40 denotes a mode switching unit having a switch function provided in the wireless communication unit 25 of the mobile phone 1 with a matching function. Mode switching unit 40
, The terminal A is connected to the audio codec 24, the terminal B is connected to the encryption processing unit 30, the terminal C is connected to the antenna unit 4, and the terminal C is connected to the terminal A or B by a switching signal from the control unit 26. . Normally, the mobile phone with matching function 1 operates in a call mode, the terminals C and A are connected, and the wireless communication unit 25 is connected to the voice codec 24. In this call mode, audio input from the microphone 5 is digitally processed by the audio codec 24, converted into a high-frequency signal by the wireless communication unit 25, and transmitted from the antenna 4. Conversely, the high-frequency signal received by the antenna 4 is converted to an audio signal by the audio codec 24 via the wireless communication unit 25 and output from the speaker 6.

On the other hand, in the verification mode, the terminal C is connected to the terminal B, and the wireless communication unit 25 is connected to the encryption processing unit 30. In this matching mode, various kinds of information for identity matching are encrypted by the encryption processing unit 30, converted into high-frequency signals by the wireless communication unit 25, and transmitted from the antenna 4. Conversely, the high-frequency signal received by the antenna 4 is input to the encryption processing unit 30 via the wireless communication unit 25,
Decryption processing is performed. Switching between the call mode and the collation mode is performed by a switching signal from the control means 26. In the above description, the switching timing to the matching mode is set at the start of the identification information confirmation process (step 6). In this case, however, “the result of matching between the input biometric information and the pre-registered biometric information” ( The switching signal may be generated in the control means 26 based on the result of “Yes” in Step 2).

In addition to the above, the switching timing to the collation mode may be the start time of the owner confirmation process (step 1). In this case, a switching signal may be generated in the control unit 26 based on, for example, “input operation of biological information” (step 1). In the latter case, the mode switching timing is slightly earlier than in the former case, and the time during which a call can be made is slightly shorter, but there is no practical problem. In the above description, the mode switching is performed as shown in FIG.
Has been described as being automatically performed based on the result of the processing in the operation flow described above, but may be performed manually by key operation. For example, the mode switching operation may be performed by operating the function key 8 before the start of the matching (step 1) or after the display of the matching of the biological information (step 5). Switching from the collation mode to the call mode is automatically performed when the identification process is completed, as described later.

Next, the identification information confirmation process will be described. When the mode is switched to the collation mode in step 6,
The driver's license registration number and the biometric information of the driver detected by the camera are used for verification of the driver's identity.
(Step 7). This transmission is performed via the base station 100. As the information to be transmitted, in addition to the identity information and the biological information, the telephone number of the mobile phone 1 with the matching function is also transmitted because it is necessary to notify the mobile phone 1 with the matching function at the registration management station 200. At this time, “transmitting” may be displayed on the display unit 13 of the mobile phone 1 with a matching function. By this step 7, once
The processing shifts to the registration management station 200.

The registration management station 200 transmits the transmitted driver's license registration number, biometric information and the like to the computer processing unit 20.
1 is received by the transmission / reception unit 202 (step 8). Based on this information, the matching unit 20 compares the biological information already registered and managed in the storage unit 204 with the transmitted biological information.
Compare and collate in 3 (step 9). As a result of the biometric information collation, when the collation does not match, it is determined that "the biometric information does not match" (step 10), and when the collation matches, it is determined that "the biometric information matches" (step 11). . Note that the processing of steps 9 to 11 in the registration management station 200 is based on the same biometric information as the processing of steps 2 to 5 in the mobile phone 1 with a matching function. If necessary, it may be omitted.

Next, the collation processing of the identity information (name, address, driver's license number, etc.) is performed. Here, the storage unit 204
The collation unit 203 compares and collates the identity information registered / managed with the transmitted identity information (Step 1).
2). As a result of the identification information collation, if the collation does not match, it is determined that "identification information does not match" (step 13), and if the collation matches, it is determined that "identity information collation matches" (step 14). . The matching result of the identity information is combined with the matching result of the biometric information as a matching determination result, and transmitted and received by the transmitting / receiving unit 202 via the base station 100 using the telephone number of the mobile phone 1 with the matching function. It is transmitted to the mobile phone 1 (step 15). The mobile phone 1 with a matching function receives the matching determination result (step 16) and displays the content on the display unit 13 (step 17).

The police officer determines whether the driver is a valid driver's license registered in the registration management station 200 based on the display content of the display unit 13 of the mobile phone 1 with a verification function presented by the driver. You can check. When the confirmation of the display contents is completed, the wireless mode of the mobile phone 1 with the collation function is switched from the collation mode to the call mode (step 18). At this time, by displaying on the display unit 13 a message that "calling is possible", the user of the mobile phone 1 with the collation function can confirm switching to the call mode. In this way, if only the mobile phone 1 with the collation function is brought, it is not necessary to bring a large number of automobile driver's licenses and various membership cards as in the related art. In the above description, the case of a driver's license has been described. A presentation can be made.

As described above, according to the collation system as shown in FIG. 5, the owner confirmation process based on the biometric information and the identity information confirmation process based on the biometric information and the identity information are provided. By reading out the so-called personal information of the owner stored in advance in accordance with the result of the verification by the biometric information and using it as verification information, the security of the personal information is ensured, and the status, qualification, Proof of license etc. can be performed. In the above-described embodiment, the registration management station 200 has been described as being installed at a police station or the like because the identification by a driver's license has been described as an example. In the case of application to access control, access control to databases or personal terminals installed in government offices or companies, the Registration Management Bureau will install a database or personal terminal in the building that controls entry and exit. It is desirable to provide them in a built building, and to provide them in appropriate places according to the application.

Embodiment 4 Next, a commercial transaction system according to Embodiment 4 of the present invention will be described with reference to FIGS. In this commercial transaction system, the mobile phone 1 with a matching function described in the first and second embodiments is applied to a means of payment for a commercial transaction such as electronic shopping. FIG. 8 is a block diagram conceptually showing the commercial transaction system of the present invention. FIG. 9 is a flowchart illustrating the operation procedure of the commercial transaction system of the present invention. In FIG. 8, mobile phone 1 with a matching function generally has the same configuration as that described in the first and second embodiments. Reference numeral 400 denotes a computer processing unit of a financial institution in which the transfer processing of the consideration accompanying the commercial transaction is performed. Via 100. 500 is a store where commerce is performed,
It is connected to a communication network to know the transfer result.

Here, the fact that the collation function of the portable telephone 1 with the collation function is an important function in the present commercial transaction system will be described. As will be described later, since the mobile phone with collation function 1 is connected to the computer processing unit 400 of the financial institution of the owner, if the owner loses the mobile phone with collation function 1, Is a very serious situation. Therefore, the mobile phone 1 with the matching function can be used only by its owner, and must not be used by a third party. Therefore, the mobile phone 1 stores the biometric information of its owner in a built-in memory, and uses the biometric information stored in the memory and the mobile phone 1 with the matching function each time payment is made to a store or the like. The security is ensured by collating with the biometric information of the operator (operator). That is, it is possible to pay for the above-mentioned purchase of a product only when the collations match. When the collation does not match, the portable telephone with collation function 1 can be used only for ordinary voice communication.

Next, the operation procedure of the commercial transaction system of the present invention will be described with reference to the flowchart of FIG. Note that, in the operation procedure of the commercial transaction system, description of portions common to the operation procedure of the collation system described in Embodiment 3 will be simplified as appropriate. Normally, the mobile phone with collation function 1 is used for telephone calls, but as described above, the mobile phone with collation function 1 is used for withdrawing money in electronic shopping.
Used as a transfer tool. This commercial transaction procedure includes a process for confirming the owner of the mobile phone 1 with a matching function
It consists of two processes, a transfer processing process. In addition, as will be described later, in this commercial transaction procedure, switching between two wireless modes (a call mode and a commercial transaction mode) of the mobile phone with a matching function is performed. The owner confirmation process (steps 1 to 5) is substantially the same as that described in the collation system of the third embodiment.

In step 5 of FIG. 6, the identification information such as the driver's license registration number is displayed. However, in the case of a commercial transaction system, this display is not necessary. Instead, the financial institution information and the like of the owner may be displayed together with the display of the matching result. The compatibility between the owner of the mobile phone with collation function 1 and the person who performs the money withdrawal / transfer process can be confirmed by the owner confirmation process in steps 1 to 5 described above. When the confirmation of the matching in step 5 is completed, the wireless mode is switched from the call mode to the commercial transaction mode (step 6), and the withdrawal / transfer processing process is started.

Next, the withdrawal / transfer processing process will be described. When the mode is switched to the commercial transaction mode in step 6, the display section 13 of the mobile phone 1 with the collation function displays "Please input payment amount". At this time, the owner uses the operation keys of the mobile phone 1 with the collation function to pay the amount (consideration), the owner's personal identification number registered with the financial institution required at the time of withdrawal, and the transfer destination information of the consideration (the information of the store where the transaction was conducted). A financial institution code (financial institution name, branch name, account number, etc.) is input (step 7). This input information is temporarily stored in the memory. When the above input operation is completed, the withdrawal destination information of the money (the financial institution code (financial institution name, branch name, account number, etc.) of the owner) preliminarily recorded in the memory of the mobile phone with the matching function, and the above key Various information (price, password, transfer destination information) input by the operation, the telephone number of the mobile phone with a verification function, and other necessary information are withdrawn and transferred as processing information through the base station 100 to the owner's financial institution (financial information). The data is transmitted to the institution A) (step 8).

This transmission is based on communication using the telephone number of the financial institution to be withdrawn, which is stored in the memory in advance. Here, of the transmission information, at least the account number and the password of the financial institution of the owner are encrypted by the encryption processing unit 30 in the mobile phone 1 with the matching function. On the other hand, the name of the financial institution, the name of the branch, and the price of the transfer destination may not be encrypted. If there are a plurality of financial institution codes of the owner stored in the memory, it is sufficient that the owner can select the financial institution code using the operation keys during the above processing. Further, the withdrawal / transfer processing information may include the biometric information of the owner of the mobile phone 1 with the matching function.

At the financial institution A, the transmitted withdrawal / transfer processing information is transmitted and received by the transmitting / receiving section 4 in the computer processing section 400.
01 (Step 9). Note that various processes and controls in the computer processing unit are performed by the control unit 402. First, the collation unit 404 compares and collates the password in the transfer processing information with the password already registered and managed in the storage unit 403 (Step 10). The collation of the personal identification number is a process for confirming whether or not the person can handle the account properly. As a result of the collation of the personal identification numbers, if the collations do not match, it is determined that the collation does not match (step 11), and if the collations match,
It is determined that the password matches the password (step 12).
When the password numbers match, the transfer processing unit 40
According to 5, the price is deducted from the account based on the account number of the owner, and a transfer process is performed to the store account (Step 13). In the case where the financial institution A of the withdrawal destination and the financial institution B of the transfer destination are different, the transfer processing is performed via the network.

Various processing results in the computer processing section 400 can be confirmed by the financial institution on the display section 406.
The collation result of the personal identification number in step 10 or step 13
The transfer processing result (debit amount, balance, etc.) is transmitted as response data from the transmission / reception unit 401 to the mobile phone with matching function 1 of the reply destination via the base station 100 using the telephone number of the mobile phone with matching function 1. (Step 1
4). The mobile phone 1 with the matching function receives the matching result or the transfer processing result (step 15), and the content is displayed on the display unit 13 (step 16).

When the display is completed, the wireless mode of the mobile phone 1 with the collation function is switched from the commercial transaction mode to the call mode (step 17). On the other hand, the transfer processing result is also transmitted to the store 500 via the communication network (step 1).
8) It is displayed on a cashier terminal or the like in the fifth embodiment described later, and can be confirmed at the store (steps 19 and 20).
In the above description, only the collation based on the personal identification number is performed.
If the same biometric information as the owner's biometric information stored in the mobile phone is stored in both the mobile phone with matching function 1 and the financial institution, the biometric information of the user is compared and collated. Security can be secured. In addition, users of mobile phones do not withdraw digital money from financial institutions, and stores such as convenience stores are managed by financial institutions without knowing their transaction accounts. Electronic payment can be performed using the user's own trading account.

Embodiment 5 Next, a commercial transaction system according to Embodiment 5 of the present invention will be described using FIG. 10 and FIG. This commerce system is described in Embodiment 4
Is a development of the commercial transaction system described in (1), in which a commercial transaction is performed via a cashier terminal provided in a store as described later. FIG.
1 is a block diagram conceptually showing a commercial transaction system of the present invention. FIG. 11 is a flowchart illustrating the operation of the commercial transaction system of the present invention. Mobile phone 1 with collation function
Is generally the same as in the fourth embodiment, but there are also differences as described later. 30
Reference numeral 0 denotes a cashier terminal installed at a place where the product is sold or a service is provided (a store or the like), which is replaced with a cashier that generally uses a copy of a receipt and a sales settlement.

The cashier terminal 300 receives the transmission data from the owner-equipped mobile phone 1 and detects the financial institution name and branch name of the owner's financial institution code. The transmission data is transmitted to the detected financial institution via the base station 100. At this time, the cashier terminal 300 adds its own financial institution code (financial institution name, branch name, account number) to the transmission data and transmits the data.

Next, the operation procedure of the commercial transaction system of the present invention will be described with reference to the flowchart of FIG. As in the case of the fourth embodiment, this commercial transaction procedure also includes two processes, that is, a process of confirming the owner of the mobile phone 1 with a matching function and a process of withdrawing / transferring. Further, in this commercial transaction procedure, switching between the two wireless modes (call mode and commercial transaction mode) of the mobile phone 1 with a matching function is performed.
In the owner confirmation process (steps 1 to 5), the same process as that described in the collation system of the fourth embodiment is executed. After checking the consistency in step 5,
The wireless mode is switched from the call mode to the commercial transaction mode (step 6), and the withdrawal / transfer processing process is started.

Next, the withdrawal / transfer processing process will be described. When the mode is switched to the commercial transaction mode in step 6, the display section 13 of the mobile phone 1 with the collation function displays "Please input payment amount". At this time, the owner enters the amount of payment (consideration) and the personal identification number of the owner himself / herself registered with the financial institution at the time of withdrawal using the operation keys of the mobile phone 1 with the collation function (step 7). This input information is temporarily stored in the memory. When the above input operation is completed, the money withdrawal destination information (financial institution code (financial institution name, branch name, account number, etc.) of the owner) recorded in advance in the memory of the mobile phone 1 with the matching function, Various information (value, password) input by key operation, the telephone number of the mobile phone with collation function 1, and other necessary information are transmitted to the cashier terminal 300 (step 8).

In the cashier terminal 300, the data transmitted from the mobile phone 1 with the matching function is received by the transmitting / receiving unit 301 (step 9), and this data is stored in the data storage unit 303 in the storage unit 303 in the cashier terminal in advance. The transfer destination information (financial institution code (financial institution name, branch name, account number, etc.) of the store where the transaction has been made) is added, and the withdrawal / transfer processing information is generated (step 10). After this,
Based on the name of the financial institution of the withdrawal destination included in the withdrawal / transfer information, the telephone number of the financial institution stored in advance in the storage unit 303 is read out, and the withdrawal / transfer information is automatically transmitted to the financial institution. , To the financial institution A via the base station 100 (step 11).

Computer processing section 400 of financial institution A
Receives the withdrawal / transfer processing information transmitted from the cashier terminal 300 (step 12). Then, the collation unit 404 compares the password of the user with the password of the owner registered in the storage unit 403 (step 13), and confirms that the user is the registered owner. Confirm (step 15). When this confirmation is made, if the financial institution specified by the owner is the same as the financial institution specified by the cashier terminal 300 (store or the like) (step 16), the computer processing unit 400 of the financial institution transfers Processing unit 40
The value is deducted from the account of the owner by 5 and transferred to the account of the cashier terminal 300 (step 17). Debit amount and balance from the owner's account and cashier terminal 300
Then, the transfer amount and balance to the account are transmitted as response data to the cashier terminal 300 via the base station 100 (step 21).

At the cashier terminal 300, the display means 306 of the cashier terminal 300 indicates only whether or not the payment has been transferred to the account of the financial institution designated by the cashier terminal 300 out of the response data. It is confirmed by displaying (step 22). The cashier terminal 300 transmits only the debit amount and balance from the owner's account to the mobile phone with matching function 1 (step 23). The mobile phone with matching function 1 displays the value on the display unit and confirms payment to the store or the like (steps 24 and 25).

On the other hand, the computer processing unit 40 of the financial institution
At 0, if the password of the user is different from the registered password, the computer processing unit 4 of the financial institution transmits to the cashier terminal 300 that "the password is different" (steps 14, 21). . The cashier terminal 2 transmits a message to that effect to the mobile phone 1 with a matching function (steps 22 and 2).
3). The financial institution A designated by the owner is a cashier terminal 3
00, the computer processing unit 400 of the financial institution A and the computer processing unit 400 of the financial institution B are communicably connected.
The computer processing unit 400 of the financial institution A debits the account of the owner and transfers the debited amount to the account of the financial institution B so that the computer processing unit 4 of the financial institution B
00 (steps 16 and 18).

The computer processing unit 400 of the financial institution B deposits the account of the cashier terminal 300 and notifies the computer processing unit 400 of the financial institution A that the deposit has been made (steps 19 and 20). Computer processing unit 400 of financial institution A
Responds to the cashier terminal 300 that the computer processing unit of the financial institution B has received the notification (step 21). When the process of the commercial transaction is completed, the wireless mode of the mobile phone with matching function 1 is switched from the commercial transaction mode to the call mode (step 26).

In the commercial transaction system according to the fifth embodiment, unlike a conventional commercial transaction system for purchasing a product using the Internet, the user actually goes to a sales location (store, etc.) or a service providing location of the product. It is assumed that you purchase products and receive services. Therefore, the mobile phone with verification function 1 only needs to be able to communicate with the cashier terminal 300, so that the transmission power can be smaller than that of a normal voice call. For this reason,
The mobile phone with matching function 1 is newly equipped with a proximity transceiver having a small transmission power for directly communicating with the cashier terminal 300, and the transmission power is reduced for the voice communication via the proximity transceiver and the base station. Switching may be performed between a large remote transceiver. Alternatively, the mobile phone 1 with the matching function does not include such a transceiver for proximity, shares a remote transceiver for voice communication, and controls to reduce transmission power when communicating with the cashier terminal 300. Is also good. Switching between the proximity transceiver and the remote transceiver or control of the remote transceiver of the mobile phone with collation function 1 is performed according to the procedure of the control means 26 of the mobile phone with collation function 1.

The mobile phone with matching function 1 transmits the account number and password of the owner to the cashier terminal 300 as its transmission data, but the cashier terminal 300 directly transmits the account number and password of the user. There is no need to know the information, and therefore, the mobile phone with collation function 1 encrypts the account number and password of the owner and transmits it. On the other hand, since the cashier terminal 300 transmits to the computer processing unit 400 of the financial institution designated by the owner via the base station 100, it is necessary to detect the name of the financial institution and the name of the branch (transmission destination) designated by the owner. is there. Therefore, the mobile phone with matching function 1 does not need to encrypt its financial institution name and branch name. However,
If the mobile phone with matching function 1 also encrypts and transmits the name of the financial institution and the name of the branch, the cashier terminal 300 needs to decrypt the encryption of the destination.

[0080]

As described above, according to the mobile phone with the collation function according to the present invention, the owner of the mobile phone can be easily identified in the case of loss or the like, and the biometric information of the owner can be identified. Since the collation with that of the user is possible, sufficient security can be ensured when using the mobile phone, and even when the collation does not match, voice communication as the mobile phone is still possible. Play.

Further, according to the collation system of the present invention, even if the user does not bring various identification cards or the like, when the mobile phone with the collation function is brought in the case where the identity is to be proved, the collation system can be used. With security based on biometric information by a mobile phone with a matching function and matching at the registration management office by communication with the registration management office,
This has the effect of easily and accurately proving the status, qualification, license, etc.

Further, according to the commerce system and method according to the present invention, even if the user does not bring a card or the like of a seed financial institution, he or she can purchase goods or provide services at a store or the like, and use the portable function with a collation function. As long as you bring your phone,
The collation based on the biometric information by the cell phone with the collation function and the encryption and transmission of secret information such as account number can be ensured, so that sufficient security can be ensured, and the owner and the financial institution of the business partner With this communication, it is possible to make a payment to a store or the like using the mobile phone, so that it is very convenient for the consumer.

[Brief description of the drawings]

FIG. 1 shows a first embodiment of the present invention. 1A and 1B are an external view and a cross-sectional configuration diagram showing a mobile phone with a matching function according to the first embodiment.

FIG. 2 is a structural explanatory view showing a partial cross section of the biological information measuring means 10 shown in FIG. 1 and a state of reading a fingerprint using the biological information detecting means 10;

FIG. 3 is a first embodiment of the present invention. 1A and 1B are an external view and a side view showing a mobile phone with a matching function according to the first embodiment.

4 is a block diagram specifically showing an internal configuration of the mobile phone with a matching function shown in FIG. 1 or FIG.

FIG. 5 is a third embodiment of the present invention. 1 is a block diagram showing a collation system according to the present invention.

6 is a flowchart showing an operation procedure of the collation system shown in FIG.

FIG. 7 is a block diagram showing a specific mechanism for switching between a call mode and a collation mode according to the present invention.

FIG. 8 shows a fourth embodiment of the present invention. 1 is a block diagram showing a commercial transaction system according to the present invention.

9 is a flowchart showing an operation procedure of the commercial transaction system shown in FIG.

FIG. 10 shows a fourth embodiment of the present invention. 1 is a block diagram showing a commercial transaction system according to the present invention.

11 is a flowchart showing an operation procedure of the commercial transaction system shown in FIG.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Cellular phone with a collation function, 4 antennas, 5 microphones, 6 speakers, 7 numeric keys, 8 function keys, 10 biological information detecting means, 12 operating means, 13
Display unit, 18 biological information measurement lens, 19 imaging substrate, 20 imaging device, 22 light source (illuminating means), 24
Voice codec, 25 wireless communication unit, 26 control means,
27 storage means, 29 verification means, 30 encryption processing section, 100 base station, 200 registration management station, 201 computer processing section, 202, 301, 401 transmission / reception section, 203, 404 verification section, 204, 303, 403
Storage unit, 302, 402 Control unit, 306, 406
Display unit, 300 cashier terminal (product, service organization), 4
00 Computer processing department (financial institution), 500 stores.

Continued on the front page (72) Inventor Masaki Horino 2-3-2 Marunouchi, Chiyoda-ku, Tokyo Mitsubishi Electric Corporation F-term (reference) 5B049 BB11 BB46 CC00 CC36 EE10 GG06 5J104 AA07 KA01 KA10 KA17 KA19 MA03 NA38 NA43 PA02 PA10 5K067 AA32 BB04 DD04 DD17 EE04 EE10 EE16 FF24 HH22

Claims (15)

[Claims] 1. A mobile phone having a voice communication unit and a display unit, a storage unit for storing any one of fingerprint, face and iris information of the owner of the mobile phone or a combination thereof, and the mobile phone A camera having a lens and an image sensor for detecting the biological information of the user, a matching unit for matching the biological information by the camera with the biological information stored in the memory, and when the matching by the matching unit matches. A control unit for displaying on the display unit of the mobile phone that the collation has been matched, and a control unit for enabling a call by the voice communication unit when the collation is not matched. . 2. An illumination device is provided integrally with the camera,
2. The mobile phone with a collation function according to claim 1, further comprising an operating means for operating said lighting means. 3. The mobile phone with a matching function according to claim 2, wherein said operating means is provided near a lens of said camera. 4. A computer processing unit of a financial institution, a base station communicatively connected thereto, a cash register terminal installed in a product or service institution and capable of communicating with the base station, and capable of communicating with the cash register terminal, A mobile phone with a collation function for making a payment to the product or service institution from the financial institution by transmitting to a cashier terminal, a voice communication means, a storage means for pre-stored biometric information of its owner, and its use A camera having an imaging device for detecting the biological information of a person, a matching means for matching the biological information by the camera with the biological information stored in the storage means, and encrypting a financial institution data signal designated by the owner Encrypting means, transmitting an encrypted data signal by the encrypting means and a payment data signal for the product or service to the cashier terminal, Transmitting and receiving means for receiving a received data signal from the cashier terminal, decrypting means for decrypting the received data signal received by the transmitting and receiving means, and an encrypted data signal by the encrypting means when the verification by the verification means matches. And control means for preventing the transmission by the transmitting / receiving means when the collation by the collating means does not match, and enabling the telephone call by the voice communication means when the collation does not match. A mobile phone with a matching function characterized by the following. 5. The storage means stores any one of a fingerprint, a face, and an iris of the owner or a combination thereof, and the financial institution data includes a name, a financial institution name, and a name corresponding to the financial institution. The mobile phone with a collation function according to claim 4, wherein the name of the branch and the account number to be executed are also stored. 6. The storage means according to claim 1, wherein said storage means stores a plurality of financial institution names, a branch name and an account number corresponding to each financial institution, and allows the user to select a specific financial institution. Item 5. A mobile phone with a matching function according to Item 4. 7. A storage means for storing biometric information of an owner of a mobile phone, a detecting means for detecting biometric information of a user of the mobile phone, biometric information obtained by the detecting means, and biometric information stored in the storage means. With a matching function having transmitting / receiving means for transmitting biometric information stored in the storage means and a predetermined registration number to a base station when the matching is matched, and receiving a response signal from the base station. A mobile phone, a storage unit for storing the biometric information of the owner and the predetermined registration number, a biometric information of an inquiry signal transmitted from the mobile phone with a matching function, and a predetermined registration number and stored in the storage unit A verification unit that verifies the obtained biometric information and a predetermined registration number, receives an inquiry signal transmitted from the base station, and transmits verification information by the verification unit to the base station and transmits the response signal to the base station. And a computer processing unit of a registration management station having a transmitting / receiving unit for transmitting and receiving data. A collation system characterized in that the verification is performed. 8. A storage means for storing biometric information of an owner of a mobile phone, a detecting means for detecting biometric information of a user of the mobile phone, biometric information obtained by the detecting means, and biometric information stored in the storage means. Matching means for matching, transmitting the biometric information stored in the storage means and a personal identification number registered at a predetermined financial institution to the base station when the matching is matched,
A mobile phone with a matching function having transmitting / receiving means for receiving a response signal from the base station, a storage unit for storing the biometric information of the owner, biometric information of an inquiry signal transmitted from the mobile phone with the matching function, and A collation unit for collating the personal identification number registered with the financial institution with the biometric information and the personal identification number stored in the storage unit, receiving the inquiry signal transmitted from the mobile phone with the collation function, and collating by the collation unit And a computer processing unit of a financial institution having a transmission / reception unit for transmitting information to the mobile phone with collation function, and when the collation in the computer processing unit of the financial institution matches, the user of the mobile phone with collation function A collation system, wherein a commercial transaction with the financial institution is enabled. 9. A computer processing unit of a financial institution, a base station communicatively connected to the computer processing unit, a cash register terminal installed in a product or service institution and capable of communicating with the base station, and a collation communicable with the cash register terminal When a mobile phone with a function is provided and the data of the price for the product or service is transmitted from the mobile phone with a matching function to the cashier terminal, the computer processing unit of the financial institution pays the price to the product or service institution by the computer processing unit of the financial institution. In the commercial transaction system for performing the above, the mobile phone with the collation function comprises: a voice communication means, a storage means for storing biometric information of the owner thereof in advance, a detection means for detecting the biometric information of the user, and the detection means Collating means for collating the biometric information with the biometric information stored in the storage means; and a financial institution data designated by the owner. Encrypting means for encrypting the data signal, transmitting and receiving means for transmitting an encrypted data signal by the encrypting means to the cashier terminal, receiving a received data signal from the cashier terminal, Decryption means for decrypting a data signal, and transmitting the encrypted data signal by the encrypting means by the transmitting and receiving means when the collation by the collating means matches, and by the transmitting and receiving means when the collation by the collating means is incompatible. Control means for preventing transmission, wherein the cashier terminal receives the encrypted data signal from the mobile phone with a matching function, adds financial institution data designated by a product or service institution, and adds the financial institution data to the base station. First transmission / reception means for transmitting to the computer processing unit of the financial institution designated by the owner via the computer, and the computer processing unit of the financial institution Second transmission / reception means for receiving the encrypted data from the user and transmitting the data to a mobile phone having a collation function of the user, decryption means for decrypting the encrypted data from the computer processing section of the financial institution, and decryption means Display means for displaying the amount of payment by the computer, the computer processing unit of the financial institution receives the encrypted data signal from the cashier terminal, and transmits and receives the encrypted data signal to the cashier terminal, and the cashier terminal Means for decrypting the encrypted data signal from the user and confirming the user, and debiting the account of the owner based on the payment data signal of the user, and transferring the account to the account of the financial institution designated by the service institution And an encryption means for encrypting the processed data. 10. The biometric information of the owner is registered in the computer processing unit of the financial institution, and the biometric information detected by the detecting means of the mobile phone with a matching function is transmitted to the cashier terminal. The computer processing unit of the institution compares the biological information transmitted from the cashier terminal with the biological information registered in advance, and confirms that the user is the owner. The commercial transaction system according to claim 9. 11. The processing data in the computer processing unit of the financial institution includes a debit amount from the account of the owner, a balance after the deduction, and a transfer amount to the account of the financial institution designated by the cash register terminal. The commercial transaction system according to claim 9, wherein: 12. An encryption means in the computer processing unit of the financial institution, the first encryption means for encrypting the debit amount and the balance after the debit, and an encryption means for an account of the financial institution designated by the cashier terminal. 10. The transaction system according to claim 9, further comprising second encryption means for encrypting the transfer amount. 13. The decrypting means in the mobile phone with a matching function decrypts the encryption by the first encrypting means in the computer processing unit of the financial institution, and the decrypting means in the cashier terminal includes the financial institution. 13. The commercial transaction system according to claim 12, wherein the encryption by the second encryption means in the computer processing unit of the institution is decrypted. 14. A collating step for collating the biometric information stored in the cellular phone with collating function with the biometric information detected by the user, and an inputting step of inputting a price for the product or service into the cellular phone with collating function. And a first transmission step of transmitting the price and the financial institution data designated by the owner to the cashier terminal installed in the product or service institution when the collation matches, and the cashier terminal is a computer of the financial institution. A second transmitting step for transmitting to the processing unit, and in the computer processing unit of the financial institution, debiting the consideration from the owner's account;
A processing step of performing a process of transferring it to the account of the product or service institution, a first reply step of transmitting data of the process to the cashier terminal, and a mobile phone with a collation function from the cashier terminal. And a second replying step of transmitting the transaction to a commercial transaction. 15. A step of detecting biometric information of a user, a step of reading biometric information stored in storage means of the mobile phone with a matching function, and comparing the detected biometric information with the stored biometric information. When the product or service is matched, a step of inputting the price for the product or service by key operation of the mobile phone with the collation function and displaying the value on the display section, and a step of registering the data signal of the price with a cash register installed in the product or service institution. Transmitting to the terminal; transmitting the value data signal from the cashier terminal to the computer processing unit of the financial institution designated by the owner; and Performing a payment process for the goods or service institution with a deduction of the consideration; Transmitting the payment process data signal from the computer processing unit of the financial institution to the cashier terminal; displaying the payment processing data signal on the display unit of the cashier terminal; and transmitting the payment processing data signal from the cashier terminal to the cashier terminal. Transmitting to a mobile phone with a collation function and displaying it on a display unit thereof.