JP2005100429A - Portable device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a portable device, which enables a user to pay various charges via a user's portable device without requiring any infrastructure. <P>SOLUTION: The portable device, which enables a transmitting user A, who pays a charge, to make a transaction with a receiving user B, who receives a transaction charge from the transmitting user A, by using the mobile terminal through a cash-less scheme, comprises: a data input unit for the receiving information of an identifier data for the receiving user B, which corresponds to an account data for the receiving user B; and a control unit, which specifies a transaction process between the transmitting user A and the receiving user B by using the portable device 1 having information of an identifier data for the transmitting user A as well as a transaction data, and also, at the same time, connects to a communication terminal 2 of the receiving user B based on the information of the identifier data for the receiving user B. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a portable device, and more particularly to a portable device that performs a cashless transaction between a user who pays a consideration and a user who receives the payment.

  Today, transactions involving consideration are diversified. When receiving services such as purchase of goods, tickets, medical care and hairdressing, we offer time-based services such as parking lots and game machines, or distance-based services such as toll roads. Each time you receive it, you will need to hand or insert it in cash or something equivalent (including bills, checks, cards, etc.).

  Conventionally, a credit card system can be used when purchasing goods or paying for food and drinks. However, in the credit card system, the procedure is somewhat time-consuming compared to cash payment, and neither the user nor the user can obtain the confidence of the cash payment at any time. Furthermore, a card payment acceptance system is required on the part of the user, and there are restrictions on places where the card can be used. Although it is conceivable to have various cards in this respect, the management becomes complicated, and the risk of loss or unauthorized use increases.

  Conventionally, there are telephone cards, JR cards, etc., and these are mechanically processed for payment, so they are easy to use. However, the user needs to purchase a different card for each purpose of use, and in the end, it is not much different from cash payment. On the other hand, it is necessary for the user side to prepare an infrastructure for card mechanical processing (card telephone, ticket vending machine, etc.), and its spread is naturally limited. Therefore, the current situation is that cashlessness has not progressed in many fields such as buses, taxis, parking lots, game halls such as games and pachinko, and toll roads.

Conventionally, the amount data input from the keyboard of the IC card 4 that can be operated by inputting the cardholder's password and the terminal device connected to the host computer installed in the bank, etc., and input from the terminal device by the clerk operation There has been known a system that includes money data comparison means for comparing whether or not the money data is matched with the money data to prevent unauthorized alteration of the money data by an attendant (Patent Document 1).
Japanese Patent Laid-Open No. 06-231161 (summary, figure)

  However, since conventional cashless transactions are always led by the terminal device (user) side, the terminal device side is required to have appropriate facilities (including the user authentication function and the user's own credit). For this reason, there was a limit to the field of transactions that could be done cashlessly.

  The present invention has been made in view of the above-mentioned problems of the prior art, and the object of the present invention is to pay various charges through a user's portable device without requiring any additional infrastructure. It is to provide a portable device that can cope with the above.

The above problem is solved by the configuration of FIG. That is, the portable device 1 of the present invention (1) is a portable device that performs a cashless transaction between a user a who pays the consideration and a user b who receives the payment. And an input unit for inputting the ID information of the user corresponding to the user b, and the communication terminal device 2 of the user b based on the ID information of the user b, and the ID of the user a that the portable device 1 has And a control unit that instructs transaction processing between the user a and the user b using the information and the information related to the transaction.

  According to the present invention (1), the control unit is connected to the communication terminal device 2 of the user b, and the mobile device 1 has the ID information of the user a and information related to the transaction {for example, the user ( Since the transaction information between the user a and the user b is instructed using the ID information or account number of the transfer destination b) and the amount information}, such a cashless transaction is carried out by the user a From the machine 1 or via the communication terminal device 2 of the user b, the user a (money payment side) will take the lead (function, credit) and cash in the payment of charges in a wider transaction field It can be handled with less. In this case, since the ID information and account number of the user b are not secret, there is no problem even if the user a performs a transmission operation. The financial institution 3 specifies the account number on the payment side based on the ID information of the user a, and specifies that there is a transaction between the two a and b based on the ID information or account number of the user b. Based on this, processing related to deposit and withdrawal is performed between corresponding accounts.

  If the financial institution 3 is a bank, the deposit / withdrawal process is performed directly. Further, when the financial institution 3 is a credit service company, for the time being, a recording process relating to deposit / withdrawal is performed, and deposit / withdrawal process is performed between the banks afterwards. Therefore, according to the present invention (1), it is possible to cope with payment of various charges through a user's portable device without requiring a separate infrastructure.

  Preferably, the ID information of the user a is the subscriber number of the portable device 1 or information obtained by adding a password to the subscriber number. The mobile device 1 connected to the public communication network 100 is assigned a unique subscriber number for the entire public network regardless of the communication carrier. Therefore, in the situation where each person occupies the mobile device 1 individually, the subscriber The number can be effective ID information for identifying the user a instead of an account number such as a credit card. Moreover, if a personal identification number is added to the subscriber number of the portable device 1 as ID information of the user a, the portable device 1 can be used by a plurality of people and account protection for each person can be obtained. Preferably, the portable device 1 transmits the ID information of the user a on the call signal. If the user a's ID information is transmitted on the call signal, the communication protocol of the existing portable device is not required to be changed.

  In this case, the portable device 1 may be a portable device that can access the public network 100, but may be a portable device that can be wirelessly connected only to the communication terminal device 2. Such a portable device 1 can be realized in a small size and at a low cost. Moreover, since the portable device 1 in this case is connected to the communication terminal device 2, the user a does not need to pay the communication fee for the section ahead.

  Preferably, in FIG. 1 (A) or (B), the communication terminal device 2 is linked to a vending machine such as a product or a ticket. Therefore, products and tickets can be purchased cashlessly with vending machines.

  Preferably, the user b or the financial institution 3 is provided with a time billing unit based on a time-based service, and the financial institution 3 relates to deposits and withdrawals between corresponding accounts according to the amount information output by the time billing unit. Process. Therefore, a parking lot and a tennis court can also be used without cash.

  Preferably, the user b or the financial institution 3 is provided with a distance billing unit based on the distance metered service, and the financial institution 3 relates to deposits and withdrawals between corresponding accounts according to the amount information output by the distance billing unit. Process. Therefore, toll roads can also be used without cash.

Preferably, the communication terminal device 2 makes a call connection to the financial institution 3 at the start and end of billing. Accordingly, communication resources are effectively used. Preferably, the billing means is provided by a communication carrier. In applications such as call connection from the charging start to charging completion, it can be effectively utilized carrier's accounting unit (e.g., dial Q ² method).

  Also preferably, the portable device uses a part or all of the ID number converted into the user's account information in the financial institution 3 as its subscriber number. Therefore, such a portable device can be commonly used in a wide range of cashless service systems.

  As described above, according to the present invention, it is possible to cope with payment of various charges through a user's portable device without requiring any special infrastructure.

  DESCRIPTION OF EXEMPLARY EMBODIMENTS Hereinafter, preferred embodiments of the invention will be described in detail with reference to the accompanying drawings. Note that the same reference numerals denote the same or corresponding parts throughout the drawings. FIG. 2 is a diagram showing a system configuration according to the first embodiment, which shows an example of application to a commercial transaction in a store or office.

  In the figure, 1 is a portable device (mobile phone or other portable wireless terminal device), 2 is a wired / wireless communication terminal device, and 3 is a financial institution.

  In this system, networks A and B by a plurality of operators A and B exist, and the networks A and B are connected to each other via a gateway exchange. The entire networks A and B are also called public networks.

  For example, the portable device 1 is accommodated in a base station of the network A, and the communication terminal 2 is accommodated in a terminal station of the network B. The communication terminal 2 may be a portable wireless terminal device.

  The financial institution 3 in this system includes banks a and b, credit service companies, etc. with which the user a and the user b trade, respectively.

  The financial institution 3 registers the subscriber number of the portable device 1 or information obtained by adding a password to the subscriber number as the ID information of the portable device 1 (that is, the user a). To an account number (including bank name, store name, account type, etc.). The same applies to the communication terminal 2 of the user b.

  FIG. 3 is a diagram for explaining an example portable device according to the embodiment, in which 1 is a main body of the portable device, 61 is a front console (CSL), 62 is a receiver (RV), 63 is a microphone (MC), 64 Is a liquid crystal display (DSP), 65 is a keyboard (KBD) including dial keys, 66 is a baseband processing unit (BB) for processing audio signals, 67 is a codec (CDC) in the case of a digital portable device, 68 is for example A communication control unit based on the TDMA system, 69 is a transmission unit based on the π / 4 QPSK modulation system, 70 is a transmission / reception changeover switch (TR), 71 is an antenna, 72 is a reception unit based on the π / 4 QPSK demodulation system, and 73 is a reception level. A measurement unit (RSSIDT), 74 is a frequency synthesizer, 75 is a CPU that performs main control of the portable device 1, and 76 is a memory (MEM that is used by the CPU). , 77 is a common bus of the CPU, 78 is an input / output interface (IOIF) by electricity or light when connecting (or contacting) with an external device, and 79 is a connector (CN). As an external device in this case, the communication terminal 2 shown in FIG.

FIG. 4 is a diagram for explaining an example of a communication terminal device according to the embodiment. In the figure, 2 is a main body of the communication terminal device, 81 is a handset (HS), 82 is a receiver (RV), 83 is a microphone (MC), 84 Is a console (CSL), 85 is a liquid crystal display (DSP), 86 is a keyboard (KBD) including dial keys, 87 is a baseband processing unit (BB) for processing audio signals, and 88 is a digital communication system Codec (CDC), 89 is a communication control unit (CIF), 90 is a modem (MDM), 91 is a CPU that performs main control of the communication terminal apparatus 2
, 92 is a memory (MEM) used by the CPU, 93 is a common bus of the CPU, 94 is an electric or optical input / output interface (IOIF) when connected to an external device, and 95 is a connector (CN).

  As the external device in this case, the portable device 1 and the vending machine 5 shown in FIG. 3 can be considered. However, a plurality of input / output interfaces 4 are provided for connection to both.

  FIG. 5 is a diagram for explaining a communication operation according to the first embodiment.

  The user a visits the store of the user b with the portable device 1. If you buy a product, you will be in the payment stage. User a makes a dial call to a specific telephone number of the financial institution 3 (phone number that can receive this service) with the portable device 1.

  Preferably, for example, a specific telephone number of the bank a is previously set as an abbreviated dial, and a call is made with the abbreviated dial. Alternatively, a dedicated key such as a “payment key” is provided on the console surface of the portable device 1, and a call is automatically made to the bank a by pressing the key. If necessary, the user a's personal identification number is key-input in advance when making a call.

  The call signal of the portable device 1 includes the ID information of the user a (that is, the subscriber number of the portable device 1 or the subscriber number added with the password entered by the user a).

  After the call connection to the financial institution 3, the user a notifies the ID information of the user b (that is, the communication terminal 2) with a dial key or the like. Since the ID information of the user b is account information of the transfer destination, there is no problem even if the user a knows.

  When the communication terminal 2 includes the connection interface 94, the call may be made with the portable device 1 in contact with (attached to) the communication terminal 2. Preferably, the portable device 1 automatically makes a call upon detecting attachment to the communication terminal 2. In this case, after the call connection to the transaction bank a, the ID information of the user b is automatically notified to the transaction bank a via the connection interface 94 of the communication terminal 2 and the connection interface 78 of the portable device 1.

  Alternatively, a call may be made from the communication terminal 2 to the transaction bank b while the portable device 1 is in contact with (attached to) the communication terminal 2. Preferably, the communication terminal 2 automatically makes a call when the attachment of the portable device 1 is detected. In this case, after the call connection to the transaction bank b, the ID information of the user a is automatically notified to the transaction bank b via the connection interface 78 of the portable device 1 and the connection interface 94 of the communication terminal 2.

  Alternatively, a call may be made separately from the portable device 1 and the communication terminal 2, and each may notify the transaction partner ID information.

  In the financial institution 3, the ID information of the user a and the user b is obtained by one call, or the notification information of two independent calls is related to the user a and the user b. By attaching, it knows that there is a commercial transaction between both a and b.

  The financial institution 3 specifies each account number based on each ID information of the user a and the user b. In this example, the account number a of the transaction bank a of the user a and the account number b of the transaction bank b of the user b are specified, and a virtual place for commercial transactions between the banks a and b is set. . The actual setting of the place may be performed at the bank a, the bank b, or between the banks a and b.

  Furthermore, if necessary, the financial institution 3 (bank a or b) makes a call connection to the communication terminal 2 (or the portable device 1) with the ID information of the user b (or user a) to secure the transaction. If necessary, the reason for call connection is notified to the communication terminal 2. This notification may include information on good / bad of the user (payment side) a. The notification data is sent by display data or a voice guidance signal.

  Thereafter, the user b transmits amount (charge) information in accordance with the guidance “Please enter the amount”. Alternatively, monetary information may be input from the user a and collated by the financial institution 3.

  When the amount information is confirmed, the financial institution 3 performs a fee deposit / withdrawal process between the corresponding accounts. In this example, the amount is deducted from the account of the user a of the bank a, and the same amount is transferred to the account of the user b of the bank b. Alternatively, the deposit / withdrawal process may be recorded at the bank a or b for the time being, and the actual deposit / withdrawal process may be performed on a later designated date. Then, the user a and the user b are notified to that effect.

  User a and user b disconnect the call, and the commercial transaction ends. Then, user a gets the product and leaves the store.

  In the above case, the usage fee for the period (monthly etc.) that is to be able to access the database of the financial institution 3 from the portable device 1 or payment conditions such as installment payment or bonus lump sum payment based on sales contract Can be specified. It is also possible to reject payment from the financial institution 3 as the limit amount is exceeded.

  In order to provide such various services efficiently, the various services are menud in advance in the financial institution 3, and the user a selects the menu displayed on the portable device 1 and interacts with the financial institution 3. The processing is advanced according to the type, or various services are efficiently used by dedicated input means connected to the portable device 1.

  Also, when making a call or making an account inquiry with the portable device 1, the ID number of the user a may include the password entered by the user a. It becomes a disadvantage of the person a.

  In this case, for example, public key RSA encryption or the like can be used. That is, first, the mobile device 1 receives an encryption key and an initial value that change every time, and transmits the encrypted password information thereby to improve security even if intercepted.

  In addition, although the secret key method may be used, in the secret key method, since the user a holds the key in advance, if it is transmitted as it is, the encrypted text may be intercepted and misused. This case can be dealt with by encryption using an output feedback (OFB) method in which the initial value changes.

  Next, an example operation in the super store will be described.

  The user a puts a plurality of products in a tray, goes to a cash register (POS machine), attaches the portable device 1 to the POS machine, and makes a call from the portable device 1 or the communication terminal 2 of the POS machine. On the other hand, the store clerk reads the bar code of each product and presses the total key of the POS machine. As a result, the total amount is notified to the financial institution 3, and deposit / withdrawal processing is performed.

  Next, an operation when the communication terminal 2 is incorporated in a vending machine 5 such as a cigarette, juice, ticket, etc. will be described.

  The user a calls the financial institution 3 in front of the vending machine 5 and notifies the ID information written on the vending machine 5. Alternatively, the portable device 1 is attached to the vending machine 5 and a call is made from the portable device 1 or the communication terminal 2 of the vending machine 5.

  The financial institution 3 transmits a sales permission signal to the vending machine 5 when the business transaction is specified, so that the vending machine 5 enters a state where conventional cash is inserted. When the user a performs a product selection operation, the product is output, and the communication terminal 2 notifies the financial institution 3 of the amount. Alternatively, when there is a deposit / withdrawal notification from the financial institution 3, the vending machine 5 outputs the product.

  Such a cashless system can be easily realized by allocating ID information to an existing POS machine or incorporating a simple communication terminal 2 in an existing vending machine without further infrastructure development.

  In this case, the ID information may be assigned to each POS machine or vending machine 5, or a plurality of POS machines or vending machines are accommodated in the LAN, and ID information common to them (ie, the user) b) may be assigned.

  By the way, the communication terminal 2 of the user b may be a push phone type telephone.

  In this case, after receiving the incoming call from the financial institution 3 to the telephone set 2, the user b inputs the amount (for example, “* 10000 #”) using a dial key according to the voice guidance “Please enter the amount”. If necessary, the personal identification number of the user b can also be input by a dial key.

  Further, when the communication terminal 2 of the user b is a dial telephone, or when the user b sells and visits the home of the user a or catches the user a on the street, Since user b does not have an appropriate communication terminal 2, a call to financial institution 3, notification of user b's ID information and amount, guidance to user a / user b, and deposit / withdrawal processing Such notifications can be made via the mobile device 1 of the user a.

  Further, the credit service company may perform the processing of the transaction banks a and b. After the end of the transaction, the actual deposit / withdrawal process is performed between the banks a and b on the designated date as in the conventional credit service.

  FIG. 6 is a diagram showing a system configuration according to the second embodiment, which shows an application example to a time-based service.

  As a time-based service, a parking lot, a playground such as tennis or a game, etc. can be considered. In this case, the communication terminal 2 is incorporated in a gate machine or a game machine in a parking lot.

  FIG. 7 is a diagram for explaining a communication operation according to the second embodiment.

  Here, an example of application to a parking lot gate machine will be described.

  User a calls the financial institution 3 in front of the gate machine in the parking lot and notifies the ID information written on the gate machine. Alternatively, the portable device 1 is attached to the gate device, and a call is made from the portable device 1 or the communication terminal 2 of the gate device. At that time, if it is necessary, a notice of the start of use is notified. When the financial institution 3 sets a trading venue, the financial institution 3 notifies the communication terminal 2 to that effect. As a result, if necessary, the gate machine issues a parking ticket and opens the gate. Then, on the side of the gate machine or the financial institution 3, charging is started on a time-based basis.

  Thereafter, the call may be held, but it is preferable to disconnect the call from the viewpoint of effective use of communication resources.

  When the call is disconnected, the call is connected to the financial institution 3 when leaving the parking lot in the same manner as at the start of use. After call connection, notify the end of use if necessary. If the call is held, it simply notifies the end of use.

  The gate machine or financial institution 3 calculates a fee based on the time difference between the start of charging and the end of charging. Then, the deposit / withdrawal processing of the fee is performed, and the fact is notified to the portable device 1 and the communication terminal 2.

  In general, a service that does not disconnect a call can use a method in which a communication carrier charges (for example, dial Q2 method) instead of providing the time-based charging unit.

  FIG. 8 is a diagram showing a system configuration according to the third embodiment, which shows an example applied to a distance metered service.

  The distance metered service can be an expressway, bus, railway, etc. In this case, the communication terminal 2 is incorporated into an expressway gate machine, a bus or a railway automatic ticket gate.

  FIG. 9 is a diagram for explaining a communication operation according to the third embodiment.

  Here, a case of a toll road will be described, and 4 is a totaling center that performs a distance-based charging process in a concentrated manner.

  The user a calls the counting center 4 near the entrance gate and notifies the ID information written on the entrance gate. Alternatively, the portable device 1 is inserted into the gate device at the entrance, and a call is made from the portable device 1 or the communication terminal 2 of the gate device.

  The aggregation center 4 makes an inquiry to the financial institution 3 with the ID information of the user a if necessary, and if there is no problem with payment, sets up a place for transaction between the two ID information and opens the communication terminal 2 at the entrance gate. To be notified. As a result, the gate machine issues a travel ticket if necessary and opens the entrance gate. On the other hand, on the totaling center 4 side, charging based on a distance metering system is started. Since it is a call from the entrance gate, it is obvious that charging starts. Thereafter, the call is disconnected.

  The user a calls the counting center 4 near the exit gate and notifies the ID information written on the exit gate. Alternatively, the portable device 1 is inserted into the exit gate device, and a call is made from the portable device 1 or the communication terminal 2 at the exit gate.

  Aggregation center 4 sets a trading site based on both ID information. Further, each quotient setting at the entrance gate and the exit gate is related to the ID information of the user a. Since this time the call is from the exit gate, it is self-evident that the billing has ended.

  On the aggregation center 4 side, a charge is calculated based on the distance difference between the start of charging and the end of charging. If necessary, the financial institution 3 is notified of the fee, and deposit / withdrawal processing is performed. This is notified to the portable device 1 and the communication terminal 2 at the exit gate, thereby opening the exit gate device.

  In the case of a toll road with a fixed charge, a fixed amount may be charged at the entrance gate and then opened.

  FIG. 10 is a diagram showing a system configuration according to the fourth embodiment. In the figure, reference numerals 2a and 2b denote wireless terminals obtained by adding a wireless communication function to the communication terminal of FIG.

  The wireless terminal 2 has a wireless communication function (for example, an inter-slave communication function in PHS) that can directly interface with the portable device 1, and the user a does not go through the public network but through the wireless terminal 2 to a financial institution 3 or the totaling center 4 can be accessed.

  Here, the case of a toll road will be described.

  The wireless terminal 2a constantly outputs a broadcast connection request using a control carrier or the like, and when the user a approaches the entrance gate, it returns an incoming call response to the wireless terminal 2a and shifts to a communication carrier. Thereafter, the user a calls the aggregation center 4 near the entrance of the gate and notifies the ID information written on the entrance gate.

  Alternatively, the portable device 1 in this case can notify the wireless terminal 2a of the ID information of the user a without contact, and the wireless terminal 2a may call the aggregation center 4 after the notification. Subsequent processing may be the same as above. The processing at the exit gate is the same.

  In addition, although several embodiment suitable for the said invention was described, it cannot be overemphasized that various changes of a structure, control, and these combination can be performed within the range which does not deviate from this invention.

FIG. 1 is a diagram for explaining the principle of the present invention. FIG. 2 is a diagram showing a system configuration according to the first embodiment. FIG. 3 is a diagram illustrating an example portable device according to the embodiment. FIG. 4 is a diagram illustrating an example of a communication terminal device according to the embodiment. FIG. 5 is a diagram for explaining a communication operation according to the first embodiment. FIG. 6 is a diagram showing a system configuration according to the second embodiment. FIG. 7 is a diagram for explaining a communication operation according to the second embodiment. FIG. 8 is a diagram showing a system configuration according to the third embodiment. FIG. 9 is a diagram for explaining a communication operation according to the third embodiment. FIG. 10 is a diagram showing a system configuration according to the fourth embodiment.

Explanation of symbols

1 Mobile device 2 Communication terminal 3 Financial institution

Claims (1)

In mobile devices that do cashless transactions between paying users and paying users,
An input unit for inputting the ID information of the user corresponding to the account information of the user;
Based on the user's ID information, the user's communication terminal device is connected, and the transaction processing between the user and the user is performed using the user's ID information and information related to the transaction that the portable device has. A control unit for instructing;
A portable device comprising:

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