JP2003132291A - Portable terminal apparatus and electronic money remainder recovering method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent fraudulent usage of electronic money by another person and recover its remainder when a portable terminal apparatus is lost. SOLUTION: An electronic money management server 107 accesses to the portable terminal apparatus 100 in response to a recovery instruction for the electronic money remainder in the portable terminal apparatus 100 which has been notified to be lost, and it instructs removal of the electronic money remainder to the portable terminal apparatus. The electronic money management server 107 receives the electronic money remainder removed from the portable terminal apparatus 100, and it returns the received electronic money remainder to a user of the portable terminal apparatus. It is favorable for the electronic money management server 107 to output an instruction disabling key operations to the portable terminal apparatus before instructing removal of the electronic money remainder. Preferably, a communication function of the portable terminal apparatus is disabled after the electronic money remainder is received.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable terminal having an electronic money function and an electronic money balance collecting method therefor.

[0002]

2. Description of the Related Art In a mobile terminal represented by a mobile phone,
It is considered to add a non-contact type IC card function (including a read / write function) and write money information in this IC card section to use it as electronic money.

An IC card is generally a plastic card in which an IC (integrated circuit) is embedded, and is superior in storage capacity and security to a magnetic card, and is therefore expected to become popular. . The non-contact type IC card is designed to be able to send and receive data to and from the outside by a wireless communication such as an electromagnetic wave and the like.

By mounting such a non-contact type IC card itself or its function in a mobile terminal device (mobile terminal device) such as a mobile phone, the function of the mobile terminal device can be expanded. At the same time, it is convenient to browse the information stored in the IC card using the display function of the mobile terminal. In addition, the inconvenience of carrying a mobile terminal and an IC card separately is eliminated.

[0005]

When a portable terminal is lost, the user can stop the use (call origination / incoming call) of the portable terminal by notifying the operator of the loss. Is. (In this specification, "lost"
The term "widely" means a state in which the user cannot use the mobile terminal, and includes, for example, theft. )

However, at present, the IC card, like the prepaid card, has not been confirmed by the user at the time of use. Therefore, when the portable terminal equipped with the IC card function is lost, the person who finds it loses it. There is a risk that the electronic money existing in the card will be illegally used.

Even if the mobile terminal is not illegally used, the amount of electronic money held therein cannot be recovered until the mobile terminal returns.

The present invention has been made under such circumstances, and a portable terminal, an electronic money balance collecting method and an electronic money capable of preventing unauthorized use of electronic money by others when lost and collecting the remaining money. The purpose is to provide a management server.

[0009]

A method of collecting electronic money balance according to the present invention collects an electronic money balance held in a portable terminal with an electronic money function by an electronic money management server accessible to the portable terminal. The method is to access the mobile terminal from the electronic money management server in response to an instruction to collect the electronic money balance in the mobile terminal, instruct the mobile terminal to take out the electronic money balance, The received electronic money balance is received, and the received electronic money balance is returned to the user of the mobile terminal.

By this, the user who lost the mobile terminal can remotely and forcibly set the electronic money balance remaining in the mobile terminal which is no longer under his control to zero. This prevents others from illegally using the electronic money balance in the mobile phone. Not only that, the balance can be collected at the user's own permission.

The electronic money management server may output an instruction to disable the key operation to the portable terminal device before instructing to take out the electronic money balance. This makes it possible to immediately disable the use of electronic money and prevent the balance collection process from being disturbed.

[0012] It is preferable that the electronic money management server disables the communication function of the mobile terminal after receiving the electronic money balance. Thereby, not only the use of electronic money but also the communication (call) function can be disabled thereafter. The disabling of the communication function can be executed on the communication carrier side by disabling location registration, or on the terminal side according to an instruction from the server or the communication carrier side, for example.

If the mobile terminal cannot be connected when accessing the mobile terminal, the location registration station monitors the location registration request of the mobile terminal, and when the location registration is requested, the electronic money management is performed. The server may be instructed to access the mobile terminal. As a result, it is possible to deal with the case where the power of the mobile terminal is turned off or the mobile terminal is out of the service area.

The electronic money management server according to the present invention is an electronic money management server for collecting the electronic money balance held in the portable terminal with an electronic money function, and in response to an instruction to collect the electronic money balance in the portable terminal. Means for accessing the portable terminal and instructing the portable terminal to take out the electronic money balance, means for receiving the retrieved electronic money balance, and the received electronic money balance for the portable terminal And means for returning to the user of. The "means for returning" is a means for moving the electronic money balance in the mobile phone to another place belonging to the user, for example, a means for making a transfer to the financial institution account of the user, or , Telephone (communication)
It is a means for instructing offsetting with fees, etc.

The portable terminal according to the present invention is a portable terminal with an electronic money function, including a communication section for performing data communication with the outside and a non-contact IC card section having a built-in memory for holding an electronic money balance. When the predetermined signal is received from the outside via the communication unit, the contactless I
Take out the electronic money balance from the memory in the C card section,
And a control means for transmitting to the electronic money management server. The mobile terminal may include a plurality of input keys, and the control means may disable the operation of the plurality of input keys in response to an external instruction via the communication unit. .

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a diagram showing a schematic configuration of a mobile communication system to which the present invention is applied. A plurality of base stations 118,
120 and 122 are connected to the base station control station 111 and provide the mobile terminals 100 with cells 112, 114 and 116 that define service areas, respectively. The base station control station 111 is connected to the subscriber exchange 104 via the mobile communication gateway exchange 106. Subscriber switch 104
A fixed line subscriber telephone (fixed telephone) 102 is connected to. A location registration station 107 is provided in the mobile communication gateway switch 106, the base station control station 111, or the like. The location registration station 107 is a database 109 and its control unit 1
10 and the electronic money management server 108. The database 109 records terminal-specific IDs, phone numbers, billing information, which are attributes of each mobile terminal, and location information indicating in which base station area each mobile terminal is currently located. . The power of the mobile terminal is O
While the communication is being performed, the mobile terminal and the base station communicate with each other at regular intervals, and the position information of the mobile terminal is updated.
It is recorded in the database 109 of the location registration station 107.

When the mobile terminal 100 makes a call to make a call to the subscriber's telephone set 102, the mobile terminal 100 uses the base station control station 1 through the base station in the cell to which it currently belongs.
11, mobile communication gateway switch 106 and subscriber switch 1
The subscriber telephone set 102 is connected via 04. Conversely, when the subscriber exchange 104 makes a call and communicates with the mobile terminal 100, the database 109 of the location registration station 107 in which the attributes of the mobile terminal 100 are recorded is inquired,
The mobile station 100 calls all at once from a base station within an area (composed of a plurality of cells and usually a size of a prefecture). When the mobile terminal 100 responds, communication is performed between the subscriber telephone 120 and the mobile terminal 100.
Of course, communication can be performed between mobile terminals.

FIG. 2 shows a block diagram of a mobile phone as an example of the mobile terminal 100 in which the non-contact IC card function of the present invention is mounted.

The mobile terminal 100 has a control section 5 as a center, and a digital signal processing section 3, a display section 6,
The operation unit 7, the external I / F unit 8, and the non-contact IC card unit 10 are connected and configured. The control unit 5 is a main unit for realizing the function of the mobile phone, and although not shown, the CP
It is composed of U, EEPROM, Flash ROM, SRAM, and the like. The control unit 5 further includes a card interface module 51 for exchanging commands and data with the non-contact IC card unit 20.

The digital signal processing unit 3 is connected to a voice input unit 1 to which a microphone 15 is connected, a voice output unit 2 to which a speaker 16 is connected, and an RF input / output unit 4 to which an antenna 12 is connected, respectively, and encodes a digital voice signal. ,and,
This is a part for performing decoding into a digital audio signal, and convolutional coding centered on a DSP (Digital Signal Processor), slot interleave, differential detection,
It is composed of dedicated circuits such as convolutional decoding. The voice input unit 1 is a unit that converts an analog voice signal from the microphone 15 into a digital signal, and includes a microphone amplifier, a filter,
It is composed of an A / D converter and the like. The audio output unit 2 is a unit for driving the received digital audio signal into a speaker, and includes a D / A converter, a filter, a speaker amplifier, and the like. The RF input / output unit 4 is a part that performs high-frequency transmission / reception, and includes a quadrature modulator, a gain amplifier, a power amplifier,
It is composed of diversity, mixer, IF demodulator, etc.

The display section 6 is a section for displaying and outputting information to the user, and is composed of an LCD driver, an LCD display device, and the like. The operation unit 7 is operated by the user on the mobile phone 1.
00 is a part for inputting operation information, and includes a keyboard, a JOG dial, a JOY stick, and the like. The external I / F unit 8 is a unit that provides an interface with an external device, and includes a communication interface circuit, a 16-pin connector, and the like. The power supply unit 9
It is a part that generates and supplies the power required for each block based on the battery power supply, and is a power supply circuit, a battery charging circuit,
And an overcurrent and overvoltage protection circuit and the like.

The non-contact IC card section 20 (which is usually made into an IC) is connected to the card interface module 51 of the control section 5 and has a dedicated CPU 21, a non-volatile memory for holding data and programs, and a flash memory.
h ROM (memory: MEM) 22, reader / writer (R / W) module 23, and an interface (not shown) and the like. The non-contact IC card unit 20 exchanges data and the like with an external terminal 30 (or an equivalent IC card) compatible with an IC card via an antenna 11 for wireless communication of the non-contact IC card.

The card interface module 51 is
The software module is incorporated as a part of the control unit 5, and has a user interface between the user and the non-contact IC card unit 20 and a non-contact IC card interface.

Reader / writer (R / W) of the external terminal 30
The module 31 is for exchanging commands and data with the non-contact IC card unit 20. The external terminal 30 is, for example, an automatic ticket gate for a ticket or a commuter ticket, a store terminal, a vending machine, and the like, and includes a portion (antenna) for holding a corresponding card.

FIG. 3 shows the electronic money management server 1 shown in FIG.
An outline of the hardware configuration of 08 is shown. CPU510
Executes an OS (Operating System) and various application programs, and controls each part of the server. RO
The M511 stores fixed data of a program executed by the CPU 510 and parameters for calculation. R
The AM 512 provides a work area for the CPU 510 and a temporary storage area for data. ROM 511 and RAM 512
Are connected to the CPU 510 via the bus 530. Input device 514 such as keyboard, CRT, display device 515 such as liquid crystal display, hard disk device, M
An external storage device 516 such as an O or a CD-ROM is connected to the bus 530 via the interface 513. Further, the bus 530 is connected to the subscriber exchange 1 via the communication unit 520.
The mobile terminal 100 and the network such as the Internet are connected via 04.

The operation of the present embodiment in the system and the configuration of each part as described above will be described below.

At present, when the mobile terminal 100 is lost,
When the user notifies the communication carrier, the fact is recorded in the location registration station 107, and thereafter, by not performing the location registration of the mobile terminal 100, the mobile terminal 100 and the base station are It is possible to refuse communication between them. However, as described above, this can prevent unauthorized communication of the mobile terminal 100, but cannot protect or recover the already stored electronic money balance (balance). Therefore, in the present embodiment, the electronic money management server 107 is provided, and the electronic money management server 1 is provided.
The mobile terminal 100 can be accessed from 07 and the electronic money balance in the IC card in the mobile terminal 100 can be taken up.

FIG. 4 is a sequence diagram showing an operation example of this embodiment.

When the user loses his / her mobile terminal 100, the user informs the telecommunications carrier from another telephone or the like together with the telephone number (S11). On the other hand, after confirming that the contact is a contract user, the telecommunications carrier issues an instruction to the electronic money management server 107 to withdraw the electronic money balance in the mobile terminal 100 (S32). . This can be done via the input device 514 or the communication unit 520 of the server 107 shown in FIG.

The electronic money management server 107, which has received the instruction to suck up the remaining money, calls the portable terminal 100 to try connection (S41). If the mobile phone 100 is turned off or is out of the service area, the connection cannot be established, and therefore, the control unit 110 of the location registration station 107 waits for an instruction as described later (S43). If there is an instruction (S44),
Returning to step S41, the connection is tried again (S4
1).

If the connection attempt in step 41 is successful (S42, Yes), the electronic money management server 107
Issues a balance removal instruction (S46). In response to this, the control unit 5 of the mobile terminal 100 accesses the non-contact IC card unit 20 via the card interface module 51, and retrieves the value information as the balance held in the memory 22 (S21). As a result, the balance in the memory 22 becomes zero. When taking out the balance, it is preferable to take some measures for protection of security, but since the present invention is not particularly concerned, the specific contents thereof will not be mentioned. The mobile terminal 100 uses the collected balance (value information) as the electronic money management server 1
It is transmitted to 07 (S22, S23).

The electronic money management server 107, which has received the balance transfer, performs a process for returning the balance to the user (S47). This is, for example, the transfer of the balance to the account of the user's financial institution or issuance of an instruction therefor. Alternatively, it is also possible to offset a part or all of the remaining money with communication charges (telephone charges). The amount to be returned may be the electronic money balance minus a predetermined fee.

After step S47, the electronic money management server 107 instructs the control unit 110 in the location registration office to disable the location registration of the portable terminal (S).
48). As a result, communication of the mobile terminal becomes impossible thereafter.

FIG. 5 is a sequence diagram showing a modification of the operation of FIG. In this figure, the same operation steps of FIG. 4 are given the same reference numbers. In the operation of FIG. 4, if the connection attempt in step 41 is successful (S42, Ye
s), immediately issued the balance withdrawal instruction. However, in this example, before that, a key operation disabling instruction is output to the portable terminal 100 (S45). In response to this, the key operation (including the power key) by the user on the mobile terminal 100 is disabled (S20). However, the communication function and internal processing are continuously maintained as executable. As a result, it is possible to prevent the finder from using the electronic money or turning off the power of the mobile terminal 100.

FIG. 6 shows the control unit 110 of the location registration station 107.
5 is a flowchart showing an example of an operation related to the loss of a mobile terminal.

If there is a registration request for loss of the portable terminal device based on the contact from the user (S61, Yes), the fact is registered in the database 109 in association with the telephone number or the terminal ID (S62). ).

In step S63, it is checked whether or not there is a terminal that has not yet taken measures against the loss of the terminal.
For that purpose, for example, a flag (not shown) indicating whether or not the countermeasure for the lost mobile terminal has been executed is stored. If it does not exist, the process proceeds to step S66. If it exists, it is checked whether a connection from the terminal to any base station is detected (S64). When the connection is detected, the electronic money management server is instructed to immediately execute the balance uptake processing (S65).

When an instruction to disable the location registration of a specific terminal is received from the electronic money management server or the like (S
66, Yes), so that the location of the terminal is not registered thereafter (S67). After that, other processing not directly related to this embodiment is performed (S68), and the process returns to the first step S61.

Although the preferred embodiments of the present invention have been described above, various modifications and changes other than those mentioned above can be made. For example, the electronic money management server is provided in the location registration station, but may be in another place. Also,
The electronic money management server has shown an example in which only the processing relating to the withdrawal of the electronic money balance is shown, but the electronic money management server may have a function of compensating the electronic money balance to the IC card when a request is made from the mobile terminal.

The disabling of the communication function is carried out by disabling the location registration, but it is also possible to execute it on the terminal side according to an instruction from the server or the communication carrier side.

[0042]

According to the present invention, when a mobile terminal with an electronic money function is lost, it is possible to prevent others from illegally using the electronic money of the mobile terminal immediately after contacting a telecommunications carrier. It is possible to collect the remaining money in the mobile terminal.

[Brief description of drawings]

FIG. 1 is a diagram showing a schematic configuration of a mobile communication system to which the present invention is applied.

FIG. 2 is a block diagram showing a schematic configuration of a mobile phone as an example of a mobile terminal equipped with the non-contact IC card function of the present invention.

3 is a block diagram showing an outline of a hardware configuration of an electronic money management server in FIG.

FIG. 4 is a sequence diagram showing an operation example of the exemplary embodiment of the present invention.

5 is a sequence diagram showing a modified example of the operation of the sequence diagram of FIG.

FIG. 6 is a flowchart showing an example of operation related to loss of a mobile terminal, performed by the control unit of the location registration station according to the embodiment of the present invention.

[Explanation of symbols]

5 ... Control unit, 20 ... Non-contact IC card unit, 100 ... Portable terminal device, 106 ... Mobile communication gateway switch, 107 ... Location registration station, 108 ... Electronic money management server, 109 ... Database, 110 ... Control unit, 111 ... Base station control station, 11
2, 114, 116 ... Cell, 104 ... Subscriber switch

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) H04M 11/00 303 G06K 19/00 Q H04Q 7/38 H04B 7/26 109R F term (reference) 5B035 AA13 BB09 BC00 CA23 5B058 CA15 KA08 YA20 5K067 AA32 BB04 DD27 EE02 EE10 EE16 HH23 5K101 KK17 LL12 MM07 NN18 NN21 NN25 NN48 PP04

Claims (9)

[Claims] 1. A method of recovering the electronic money balance held in a portable terminal with an electronic money function by an electronic money management server accessible to the portable terminal, wherein the electronic money balance in the portable terminal is recovered. According to the instruction, access the mobile terminal from the electronic money management server,
Electronic money characterized by instructing the portable terminal device to take out the electronic money balance, receiving the taken out electronic money balance, and returning the received electronic money balance to the user of the portable terminal device. Balance collection method. 2. The electronic money management server outputs an instruction to disable the key operation to the portable terminal device before instructing to take out the electronic money balance. The electronic money balance collection method described in 1. 3. The electronic money balance collecting method according to claim 1, wherein the electronic money management server disables the communication function of the portable terminal after receiving the electronic money balance. 4. When it is not possible to connect to the portable terminal when accessing the portable terminal, the location registration station monitors the presence or absence of a location registration request for the portable terminal, and when the location registration request is made, the electronic The electronic money balance collecting method according to claim 1, wherein the money management server is instructed to access the portable terminal. 5. An electronic money management server for collecting the electronic money balance held in a portable terminal with an electronic money function, wherein the portable terminal is accessed according to an instruction to collect the electronic money balance in the portable terminal. Then, means for instructing the mobile terminal to take out the electronic money balance, means for receiving the taken out electronic money balance, and means for returning the received electronic money balance to the user of the mobile terminal. And an electronic money management server. 6. The electronic money management server according to claim 5, wherein before the instruction to take out the electronic money balance, an instruction to disable the key operation is output to the mobile terminal. . 7. The electronic money management server according to claim 5, wherein the communication function of the mobile terminal is disabled after receiving the electronic money balance. 8. A non-contact IC, which is a portable terminal with an electronic money function, including a communication unit for performing data communication with the outside and a memory for holding an electronic money balance.
A card unit, and a control unit that, when receiving a predetermined signal from the outside via the communication unit, retrieves the electronic money balance from the memory in the non-contact IC card unit and transmits the electronic money balance to the electronic money management server. A mobile terminal characterized by being provided. 9. The control means comprises a plurality of input keys,
9. The mobile terminal according to claim 8, wherein operation of the plurality of input keys is disabled according to an instruction from the outside via the communication unit.