JP2002279320A - Method and device for settling by credit by mobile phone - Google Patents
Method and device for settling by credit by mobile phoneInfo
- Publication number
- JP2002279320A JP2002279320A JP2001073709A JP2001073709A JP2002279320A JP 2002279320 A JP2002279320 A JP 2002279320A JP 2001073709 A JP2001073709 A JP 2001073709A JP 2001073709 A JP2001073709 A JP 2001073709A JP 2002279320 A JP2002279320 A JP 2002279320A
- Authority
- JP
- Japan
- Prior art keywords
- mobile phone
- credit
- personal information
- credit card
- card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
- Y02D30/00—Reducing energy consumption in communication networks
- Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】本発明は携帯電話システム、
特にクレジットカード機能を有し、各種店舗でのショッ
ピング（買い物）等の代金決済を迅速且つ簡便に行うこ
とを可能にする携帯電話クレジット決済方法および装置
に関する。TECHNICAL FIELD The present invention relates to a mobile phone system,
In particular, the present invention relates to a mobile phone credit settlement method and apparatus that has a credit card function and enables quick and easy payment for shopping (shopping) at various stores.
【０００２】[0002]
【従来の技術】半導体技術および無線通信技術の進歩に
より小型、軽量且つ高性能化した携帯電話が急速に普及
し、今や据え置き型の電話機以上の普及率である。ま
た、携帯電話用の基地局も多数設けられ、サービスエリ
アは都市部のみならず大部分の市町村をカバーしてい
る。更に、携帯電話には、インターネットへのアクセス
機能を有するものもあり、種々のデータベースへのアク
セスが可能であって、希望する種々の情報を容易且つ迅
速に得ることができる。尚、ここで「携帯電話」とは、
ＰＨＳ（Personal Handy-Phone System）等も含む携帯
型の電話端末を全て含むものとする。2. Description of the Related Art With the advance of semiconductor technology and wireless communication technology, portable telephones having a small size, light weight and high performance have rapidly spread, and are now more widely used than stationary telephones. There are also many base stations for mobile phones, and the service area covers most municipalities as well as urban areas. Further, some mobile phones have an access function to the Internet, and can access various databases, and can easily and quickly obtain various desired information. Here, "mobile phone" means
It includes all portable telephone terminals including PHS (Personal Handy-Phone System) and the like.
【０００３】また、各種店舗でのショッピング等の代金
決済（支払）を現金によらずクレジットカードにより行
うことにより、現金を所持する不便を解消することも今
や一般的になっている。そのために多くのクレジット会
社がクレジットカードを発行し、顧客の囲い込みを行っ
ている。クレジットカードは、契約者名、銀行名、銀行
口座番号その他の個人情報が磁気的又は内蔵するＩＣ
（半導体）メモリに記録されたプラスチックカードであ
る。クレジットカードの契約者は、自己の預金残高内は
勿論のこと、本人の信用状況に応じたローン範囲内で、
クレジットカードを使用してショッピングおよびレスト
ラン等での代金決済が可能である。クレジットカードを
使用することにより、キャッシュ（現金）を持ち歩く必
要がないので盗難および紛失の危険も比較的低いので、
今や複数枚のクレジットカードを保有し、時と場所（店
舗）に応じて使い分けている人も多い。特に、高額の商
品等を購入する際又は不意に支払が必要になった場合の
決済には極めて便利である。[0003] It is now common to eliminate the inconvenience of possessing cash by performing payment (payment) for shopping and the like at various stores using a credit card instead of cash. To that end, many credit companies issue credit cards to keep customers in the bank. Credit cards are ICs with magnetic or built-in personal information such as contractor name, bank name, bank account number
(Semiconductor) A plastic card recorded in a memory. Credit card subscribers are not only within their own deposit balance, but also within the range of loans according to their credit status,
Using a credit card, it is possible to make payments at shopping and restaurants. By using a credit card, there is no need to carry cash, so the risk of theft and loss is relatively low,
Many people now have multiple credit cards and use them according to time and place (store). In particular, it is extremely convenient for settlement when purchasing a large amount of goods or the like or when payment is unexpectedly required.
【０００４】図４は、斯かる携帯電話、クレジットカー
ドおよびレジ（レジスタ）の一般的な用途を示す図であ
る。携帯電話１は、アンテナを備え約１GHzのマイクロ
ウエーブを使用して各地域に設けられた基地局（および
電話網等）を介して他の携帯電話又は据え置き型電話機
と通信する。一方、クレジットカード２は、上述の如く
店舗でのショッピング等の代金決済時に、レジ３に設け
られたクレジットカードターミナルにより、現金の代わ
りに使用する。FIG. 4 is a diagram showing a general use of such a cellular phone, a credit card and a cash register (register). The mobile phone 1 has an antenna and communicates with another mobile phone or a stationary phone via a base station (and a telephone network or the like) provided in each region using a microwave of about 1 GHz. On the other hand, the credit card 2 is used instead of cash by the credit card terminal provided in the cash register 3 at the time of payment for shopping or the like as described above.
【０００５】クレジットカードを使用した決済システム
の従来技術は、例えば特開平１１−２５９５７３号公報
の「クレジットカードの照合決済装置」等に開示されて
いる。この従来技術では、クレジットカードターミナル
を一般電話回線のない場所に持ち出したり、設置するこ
とで、クレジットカードの取扱業務を可能にするもので
ある。そのため、クレジットカードのホストコンピュー
タを備えた通信センタと、クレジットターミナルを備え
た電話回線のない場所とを、携帯電話又は業務用無線機
によりオンライン接続して通信する。また、特開２００
０−２０７６７号公報の「携帯電話利用運賃決済システ
ム」には、運賃の支払いを、携帯電話を使用して非接触
式で簡単に行うシステムを開示している。[0005] The prior art of a settlement system using a credit card is disclosed, for example, in Japanese Patent Application Laid-Open No. H11-259573, entitled "Credit Card Verification and Settlement Apparatus". In this prior art, a credit card terminal can be taken out or installed in a place where there is no general telephone line, so that a credit card handling operation can be performed. Therefore, a communication center provided with a host computer for a credit card and a place without a telephone line provided with a credit terminal are connected online by a mobile phone or a commercial radio to communicate. Also, Japanese Patent Application Laid-Open
Japanese Unexamined Patent Publication No. 0-20767 discloses a system for easily paying a fare in a non-contact manner by using a mobile phone.
【０００６】[0006]
【発明が解決しようとする課題】しかし、上述した従来
技術には、携帯電話等はクレジット機能を備えていな
い。そこで、店舗により又は用途に応じて使い分けるた
めに複数枚のクレジットカードを持ち歩く必要があり、
極めて煩わしいという課題があった。However, in the above-mentioned prior art, a mobile phone or the like does not have a credit function. Therefore, it is necessary to carry multiple credit cards to use properly depending on the store or according to the application,
There was a problem that it was extremely troublesome.
【０００７】[0007]
【発明の目的】本発明は、従来技術の上述した課題に鑑
みなされたものであり、クレジットカード機能を付加
し、店舗でのショッピング等での代金決済を簡単にする
携帯電話クレジット決済方法および装置を提供すること
を目的とする。SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems of the prior art, and has a credit card function to simplify the payment for shopping at a store or the like. The purpose is to provide.
【０００８】[0008]
【課題を解決するための手段】上述の課題を解決するた
め、本発明による携帯電話クレジット決済方法及び装置
は次のような特徴的な構成を採用している。SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, a mobile phone credit settlement method and apparatus according to the present invention employ the following characteristic configuration.
【０００９】（１）クレジット会社と契約した携帯電話
利用者が、店舗でのショッピング等の代金決済を携帯電
話により行う携帯電話クレジット決済方法において、携
帯電話に自己のクレジットカードに関する個人情報を取
得して記憶し、次に該記憶した自己のクレジットカード
に関する個人情報を前記携帯電話で前記店舗のレジと通
信して送信することにより決済する携帯電話クレジット
決済方法。(1) In a mobile phone credit settlement method in which a mobile phone user who has contracted with a credit company makes payment for shopping at a store or the like using a mobile phone, personal information on his or her credit card is acquired by the mobile phone. A mobile phone credit settlement method for making a settlement by communicating and transmitting the stored personal information relating to its own credit card to the cash register at the store by the mobile phone.
【００１０】（２）前記携帯電話への前記クレジットカ
ードに関する個人情報は、カードリーダにより読み込ん
で取得する上記（１）の携帯電話クレジット決済方法。(2) The mobile phone credit settlement method according to the above (1), wherein the personal information on the credit card to the mobile phone is read and acquired by a card reader.
【００１１】（３）前記携帯電話への前記クレジットカ
ードに関する個人情報は、前記クレジット会社と前記携
帯電話により無線通信して取得する上記（１）の携帯電
話クレジット決済方法。(3) The mobile phone credit settlement method according to the above (1), wherein the personal information on the credit card to the mobile phone is obtained by wireless communication with the credit company by the mobile phone.
【００１２】（４）前記個人情報取得の際の本人確認
は、前記クレジット会社に予め登録した暗証番号等を前
記携帯電話で入力して行う上記（３）の携帯電話クレジ
ット決済方法。(4) The mobile phone credit settlement method according to the above (3), wherein the identification at the time of acquiring the personal information is performed by inputting a personal identification number or the like registered in advance with the credit company with the mobile phone.
【００１３】（５）前記クレジット会社との通信は、イ
ンターネットを介して行う上記（１）、（３）又は
（４）の携帯電話クレジット決済方法。(5) The mobile phone credit settlement method according to the above (1), (3) or (4), wherein the communication with the credit company is performed via the Internet.
【００１４】（６）クレジット会社と契約した携帯電話
利用者が店舗でのショッピング等の代金決済を携帯電話
で行う携帯電話クレジット決済装置において、前記携帯
電話には、クレジットカードに関する個人情報を記憶す
るメモリを設け、前記店舗での決済時に前記携帯電話か
ら前記メモリに記憶された前記クレジットカードに関す
る個人情報を送信することを特徴とする携帯電話クレジ
ット決済装置。(6) In a mobile phone credit settlement apparatus in which a mobile phone user who has contracted with a credit company performs payment for shopping at a store or the like using a mobile phone, the mobile phone stores personal information relating to a credit card. A mobile phone credit settlement device, comprising a memory, and transmitting personal information on the credit card stored in the memory from the mobile phone at the time of payment at the store.
【００１５】（７）前記クレジットカードに関する個人
情報は、前記メモリに取り込み記憶する前記携帯電話と
一体又は別体のカードリーダを備える上記（６）の携帯
電話クレジット決済装置。(7) The mobile phone credit settlement apparatus according to (6) above, further comprising a card reader integrated with or separate from the mobile phone for storing personal information relating to the credit card in the memory.
【００１６】（８）前記携帯電話は、インターネットへ
のアクセス機能を備え、前記クレジットカードに関する
個人情報を、前記インターネットを介して前記クレジッ
ト会社から取得する上記（６）の携帯電話クレジット決
済装置。(8) The mobile phone credit settlement apparatus according to (6), wherein the mobile phone has a function of accessing the Internet, and acquires personal information on the credit card from the credit company via the Internet.
【００１７】（９）前記携帯電話のメモリには、前記ク
レジット会社とのアクセス時における残高およびクレジ
ット内容等の更新された個人情報が記憶される上記
（６）又は（８）の携帯電話クレジット決済装置。(9) The mobile phone credit settlement described in (6) or (8) above, wherein the memory of the mobile phone stores updated personal information such as the balance and credit details at the time of access to the credit company. apparatus.
【００１８】（１０）前記携帯電話のメモリに記憶され
た前記クレジットカードに関する個人情報を、手動又は
一定時間経過後に自動的に消去する消去手段を備える上
記（６）、（７）、（８）又は（９）の携帯電話クレジ
ット決済装置。(10) The above-mentioned (6), (7), (8) further comprising an erasing means for manually or automatically erasing the personal information on the credit card stored in the memory of the mobile phone after a lapse of a predetermined time. Or the mobile phone credit settlement device of (9).
【００１９】[0019]
【発明の実施の形態】以下、本発明による携帯電話クレ
ジット決済方法および装置の好適実施形態の構成および
動作を、添付図面を参照して詳細に説明する。DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The configuration and operation of a preferred embodiment of a mobile phone credit settlement method and apparatus according to the present invention will be described below in detail with reference to the accompanying drawings.
【００２０】先ず、図１は、本発明による携帯電話クレ
ジット決済装置の好適実施形態の基本構成を示すブロッ
ク図である。尚、図４を参照して上述した従来技術の構
成素子に対応する構成素子には、説明の便宜上、同様の
参照符号を使用する。FIG. 1 is a block diagram showing a basic configuration of a preferred embodiment of a mobile phone credit settlement apparatus according to the present invention. Components similar to those of the prior art described above with reference to FIG. 4 are denoted by the same reference numerals for convenience of explanation.
【００２１】図１に示す携帯電話クレジット決済装置
は、携帯電話１、クレジットカード２およびレジ３によ
り構成される。携帯電話１およびレジ３は、それぞれア
ンテナ１１、３１を有し無線通信（例えばBuletooth
等）を可能にする。この携帯電話１は、クレジットカー
ド２に関する個人情報を取得して記憶する、例えばＩＣ
（半導体）メモリ等のメモリ（記憶装置）１２を備えて
いる。また、携帯電話１は、クレジットカード２に記録
された個人情報を読み取るカードリーダ１３を備えても
よい。このカードリーダ１３は、磁気記憶型クレジット
カードの場合には、接触式の磁気読み取りヘッドを備
え、ＩＣカード内蔵型クレジットカードの場合には、非
接触式の読取装置である。The mobile phone credit settlement apparatus shown in FIG. 1 comprises a mobile phone 1, a credit card 2, and a cash register 3. The mobile phone 1 and the cash register 3 have antennas 11 and 31 respectively, and wireless communication (for example, Buletooth)
Etc.). The mobile phone 1 acquires and stores personal information on the credit card 2, for example, an IC
A memory (storage device) 12 such as a (semiconductor) memory is provided. Further, the mobile phone 1 may include a card reader 13 for reading personal information recorded on the credit card 2. The card reader 13 includes a contact-type magnetic reading head in the case of a magnetic storage type credit card, and is a non-contact type reading device in the case of a credit card with a built-in IC card.
【００２２】次に、本発明によるク携帯電話クレジット
決済装置を使用してショッピングの決済（代金支払い）
をする場合の動作手順を説明する。携帯電話１にてレジ
３と、上述したBuletooth等により無線通信する。クレ
ジットカード２にて決済するには、クレジットカード２
に記録された情報を、携帯電話１に内蔵された（又は別
体の）クレジットカードリーダ１３にて読み取る。また
は、後述の如く携帯電話１によりインターネットを介し
てクレジット会社とアクセスして取得し、メモリ１２に
記憶する。次に、クレジット会社から通信により取得す
るには、本人確認が必要である。本人確認は、好ましく
は携帯電話１のテンキー（キーボード）を使用して、暗
証番号等の入力により行う。これにより、希望する又は
店舗が受付可能なクレジットカード２を選択的に使用し
てクレジットカードによる決済が可能になる。このよう
に、携帯電話１を使用すると、暗証番号の入力が簡単に
行え且つ他人に暗証番号を盗み見されることなく入力す
ることが可能であるという利点がある。Next, settlement of shopping (payment of payment) using the mobile phone credit settlement apparatus according to the present invention.
The operation procedure in the case of performing is described. The mobile phone 1 wirelessly communicates with the cash register 3 using the aforementioned Buletooth or the like. To settle with credit card 2, credit card 2
Is read by a credit card reader 13 built in (or separate from) the mobile phone 1. Alternatively, the information is acquired by accessing the credit company via the Internet using the mobile phone 1 as described later, and stored in the memory 12. Next, in order to obtain the information from the credit company by communication, it is necessary to confirm the identity. Identification is preferably performed by inputting a password or the like using the numeric keypad (keyboard) of the mobile phone 1. As a result, it is possible to make a payment by a credit card by selectively using the credit card 2 desired or accepted by the store. As described above, when the mobile phone 1 is used, there is an advantage that the personal identification number can be easily input and the personal identification number can be input without being seen by others.
【００２３】尚、半導体集積回路技術の進歩により、極
めて大容量の記憶容量を有するＩＣ（半導体）メモリ
が、小型且つ安価に入手可能であるので、携帯電話２の
クレジットカードリーダ１３に予め複数のクレジットカ
ード２に記録された個人情報を読み取り、メモリ１２に
記憶しておいてもよい。そして、決済時に、予め読み取
ってメモリ１２に記憶されたクレジットカード情報を読
み出し、レジ３へ無線通信により送信して決済してもよ
い。また、クレジットカード２による決済データ、例え
ば日時、店舗名、決済（支払）金額および残高等のクレ
ジット内容等も内蔵メモリ１２に記憶することが可能で
ある。しかし、携帯電話１は、小型軽量であり取扱が便
利である反面、紛失すること又は盗難に遭う虞もあるの
で、セキュリティーを考慮すると、決済の都度読み取る
方が好ましい。また、メモリ１２に記憶された個人情報
は、消去手段（図示せず）により適宜又は記憶時点から
一定時間経過後に自動的に消去するのが、セキュリティ
ーの観点で好ましい。Since an IC (semiconductor) memory having an extremely large storage capacity can be obtained at a small size and at a low price due to the advance of the semiconductor integrated circuit technology, a plurality of credit card readers 13 of the mobile phone 2 are provided in advance. The personal information recorded on the credit card 2 may be read and stored in the memory 12. Then, at the time of payment, the credit card information read in advance and stored in the memory 12 may be read and transmitted to the cash register 3 by wireless communication to make payment. Further, the payment data by the credit card 2, for example, the date and time, the name of the store, the amount of payment (payment), the credit content such as the balance, and the like can be stored in the built-in memory 12. However, while the mobile phone 1 is small and lightweight and easy to handle, there is a risk that the mobile phone 1 may be lost or stolen. It is preferable from the viewpoint of security that the personal information stored in the memory 12 be automatically deleted by an erasing means (not shown) as appropriate or automatically after a lapse of a predetermined time from the storage time.
【００２４】次に、図２のフローチャートを参照して、
図１に示す本発明のシステムにおいて、インターネット
等を使用してクレジット情報を登録（記録）する手順を
説明する。先ず、携帯電話１により図１に示すクレジッ
ト会社４にインターネットを介して接続する（ステップ
S１）。クレジットの個人情報を 入手し、登録・承認を
行う（ステップＳ２）。最後に、各自の携帯電話１に情
報を登録する。これにより、携帯電話1の保持者は、必
要が生じると何時でも自己のクレジットカード２の個人
情報を（必要な他の情報と共に）クレジット会社から取
得しメモリ１２に記憶可能である。従って、クレジット
カード２を持ち歩く必要性を避けることが可能である。Next, referring to the flowchart of FIG.
The procedure for registering (recording) credit information using the Internet or the like in the system of the present invention shown in FIG. 1 will be described. First, the mobile phone 1 is connected to the credit company 4 shown in FIG.
S1). The personal information of the credit is obtained, and registration and approval are performed (step S2). Finally, the information is registered in each of the mobile phones 1. Thus, the holder of the mobile phone 1 can obtain the personal information of the credit card 2 from the credit company (along with other necessary information) and store it in the memory 12 whenever necessary. Therefore, it is possible to avoid the necessity of carrying the credit card 2 around.
【００２５】次に、図１および図3のフローチャートを
参照して、本発明によるクレジット機能付き携帯電話１
によるクレジット決済（支払い）手順を説明する。先
ず、携帯電話1によりクレジット会社４を任意に選択す
る（ステップＳ１１）。次に、レジ３において、携帯電
話1とレジ3間で通信して、クレジット会社４のカード情
報（個人情報）を送信する（ステップＳ１２）。次に、
レジ３において、情報の確認作業又はクレジット会社４
と専用回線でクレジットカードの認証を行う（ステップ
Ｓ１３）。最後に、携帯電話１を使用して暗証番号を入
力し、そのデータをレジ３に送信する（ステップＳ１
４）。Next, with reference to the flowcharts of FIGS. 1 and 3, a mobile phone 1 with a credit function according to the present invention will be described.
Will be described. First, the credit company 4 is arbitrarily selected by the mobile phone 1 (step S11). Next, the cashier 3 communicates between the mobile phone 1 and the cashier 3 to transmit card information (personal information) of the credit company 4 (step S12). next,
At cash register 3, check information or credit company 4
Then, the credit card is authenticated through the dedicated line (step S13). Finally, the personal identification number is input using the mobile phone 1, and the data is transmitted to the cash register 3 (step S1).
4).
【００２６】以上、本発明による携帯電話クレジット決
済方法および装置の好適実施形態の構成および動作を詳
述した。しかし、斯かる実施形態は、本発明の単なる例
示に過ぎず、何ら本発明を限定するものではない。本発
明の要旨を逸脱することなく、特定用途に応じて種々の
変形変更が可能であること、当業者には容易に理解でき
るところである。The configuration and operation of the preferred embodiment of the mobile phone credit settlement method and apparatus according to the present invention have been described above in detail. However, such an embodiment is merely an example of the present invention and does not limit the present invention in any way. It can be easily understood by those skilled in the art that various modifications can be made according to the specific application without departing from the gist of the present invention.
【００２７】[0027]
【発明の効果】以上の説明から理解される如く、本発明
の携帯電話クレジット決済方法および装置によると、次
の如き実用上の顕著な効果が得られる。先ず、複数のク
レジットカードを常時保持することなく店舗でのショッ
ピング等の決済が可能である。その理由は、携帯電話に
クレジット機能が付加されている、換言すると、携帯電
話のメモリにクレジットカードの個人情報を予め記憶す
るかクレジット会社からインターネット経由で選択的に
取得可能であるからである。As will be understood from the above description, according to the mobile phone credit settlement method and apparatus of the present invention, the following remarkable practical effects can be obtained. First, settlement such as shopping at a store can be performed without holding a plurality of credit cards at all times. The reason is that the credit function is added to the mobile phone, in other words, the personal information of the credit card can be stored in advance in the memory of the mobile phone or selectively obtained from the credit company via the Internet.
【００２８】また、本人確認作業が簡単且つ迅速に実行
可能である。その理由は、携帯電話のキーボードから暗
証番号を入力可能であるからである。更に、更新された
個人情報が容易に入手可能である。その理由は、クレジ
ット会社にアクセスすることにより、残高等の最新情報
が取得可能であるからである。In addition, the user identification operation can be performed easily and quickly. The reason is that the password can be input from the keyboard of the mobile phone. Further, updated personal information is readily available. The reason is that the latest information such as the balance can be obtained by accessing the credit company.
【００２９】更に、比較的高いセキュリティーが得られ
る。その理由は、暗証番号等は、他人の目を届かない場
所から自分の携帯電話のキーボードから入力可能である
ことおよびメモリの記憶内容は必要に応じて予め設定し
た一定時間経過後に自動的に消去可能であるからであ
る。Further, a relatively high security can be obtained. The reason is that passwords can be entered from the keyboard of one's mobile phone from a place where others cannot see, and the contents of the memory are automatically erased after a predetermined period of time if necessary. Because it is possible.
【図１】本発明による携帯電話クレジット決済装置の好
適実施形態の構成を示すブロック図である。FIG. 1 is a block diagram showing a configuration of a preferred embodiment of a mobile phone credit settlement apparatus according to the present invention.
【図２】図１におけるインターネットでクレジット情報
登録手順を示すフローチャートである。FIG. 2 is a flowchart showing a credit information registration procedure on the Internet in FIG. 1;
【図３】図１における携帯電話でのクレジット決済手順
を示すフローチャートである。FIG. 3 is a flowchart showing a credit settlement procedure using the mobile phone in FIG. 1;
【図４】携帯電話クレジット決算装置の構成を示す図で
ある。FIG. 4 is a diagram showing a configuration of a mobile phone credit settlement device.
１ 携帯電話 ２ クレジットカード ３ レジ ４ クレジット会社 １１、３１ アンテナ １２ メモリ １３ カードリーダ Reference Signs List 1 mobile phone 2 credit card 3 cash register 4 credit company 11, 31 antenna 12 memory 13 card reader
Claims (10)
が、店舗でのショッピング等の代金決済を携帯電話によ
り行う携帯電話クレジット決済方法において、 携帯電話に自己のクレジットカードに関する個人情報を
取得して記憶し、次に該記憶した自己のクレジットカー
ドに関する個人情報を前記携帯電話で前記店舗のレジと
通信して送信することにより決済することを特徴とする
携帯電話クレジット決済方法。Claims: 1. A mobile phone credit settlement method in which a mobile phone user who has contracted with a credit company makes a payment for shopping at a store or the like by using a mobile phone. A mobile phone credit settlement method, wherein the settlement is performed by storing and then transmitting the stored personal information relating to its own credit card by communicating with the cash register of the store using the mobile phone.
関する個人情報は、カードリーダにより読み込んで取得
することを特徴とする請求項１に記載の携帯電話クレジ
ット決済方法。2. The mobile phone credit settlement method according to claim 1, wherein the personal information relating to the credit card to the mobile phone is read and acquired by a card reader.
関する個人情報は、前記クレジット会社と前記携帯電話
により無線通信して取得することを特徴とする請求項１
に記載の携帯電話クレジット決済方法。3. The personal information relating to the credit card to the mobile phone is obtained by wireless communication with the credit company using the mobile phone.
Mobile phone credit payment method described in.
クレジット会社に予め登録した暗証番号等を前記携帯電
話で入力して行うことを特徴とする請求項３に記載の携
帯電話クレジット決済方法。4. The mobile phone credit settlement according to claim 3, wherein the personal identification at the time of acquiring the personal information is performed by inputting a personal identification number or the like registered in advance with the credit company using the mobile phone. Method.
ネットを介して行うことを特徴とする請求項１、３又は
４に記載の携帯電話クレジット決済方法。5. The mobile phone credit settlement method according to claim 1, wherein the communication with the credit company is performed via the Internet.
が店舗でのショッピング等の代金決済を携帯電話で行う
携帯電話クレジット決済装置において、 前記携帯電話には、クレジットカードに関する個人情報
を記憶するメモリを設け、前記店舗での決済時に前記携
帯電話から前記メモリに記憶された前記クレジットカー
ドに関する個人情報を送信することを特徴とする携帯電
話クレジット決済装置。6. A mobile phone credit settlement apparatus in which a mobile phone user who has contracted with a credit company makes payment for shopping at a store or the like using a mobile phone, wherein the mobile phone has a memory for storing personal information relating to a credit card. Wherein the mobile phone transmits personal information on the credit card stored in the memory from the mobile phone at the time of payment at the store.
は、前記メモリに取り込み記憶する前記携帯電話と一体
又は別体のカードリーダを備えることを特徴とする請求
項６に記載の携帯電話クレジット決済装置。7. The mobile phone credit settlement apparatus according to claim 6, further comprising a card reader that is integrated with or separate from the mobile phone and stores the personal information regarding the credit card in the memory.
セス機能を備え、前記クレジットカードに関する個人情
報を、前記インターネットを介して前記クレジット会社
から取得することを特徴とする請求項６に記載の携帯電
話クレジット決済装置。8. The mobile phone according to claim 6, wherein said mobile phone has an Internet access function, and acquires personal information relating to said credit card from said credit company via said Internet. Credit payment device.
ト会社とのアクセス時における残高およびクレジット内
容等の更新された個人情報が記憶されることを特徴とす
る請求項６又は８に記載の携帯電話クレジット決済装
置。9. The mobile phone according to claim 6, wherein the memory of the mobile phone stores updated personal information such as a balance and credit details at the time of access to the credit company. Phone credit payment device.
クレジットカードに関する個人情報を、手動又は一定時
間経過後に自動的に消去する消去手段を備えることを特
徴とする請求項６、７、８又は９に記載の携帯電話クレ
ジット決済装置。10. An erasing means for erasing personal information on the credit card stored in a memory of the mobile phone manually or automatically after a lapse of a predetermined time. 10. The mobile phone credit settlement device according to 9.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2001073709A JP2002279320A (en) | 2001-03-15 | 2001-03-15 | Method and device for settling by credit by mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2001073709A JP2002279320A (en) | 2001-03-15 | 2001-03-15 | Method and device for settling by credit by mobile phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JP2002279320A true JP2002279320A (en) | 2002-09-27 |
Family
ID=18931089
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2001073709A Pending JP2002279320A (en) | 2001-03-15 | 2001-03-15 | Method and device for settling by credit by mobile phone |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JP2002279320A (en) |
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