JP2006185056A - Terminal apparatus and terminal system to be used for e-commerce - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a terminal apparatus capable of displaying information indicating the functions of electronic money which can be executed by an application stored in a medium on a display part of the terminal apparatus and capable of performing display duty regulated by a law or the like. <P>SOLUTION: When a medium which is an electronic apparatus storing an application desired by a user is loaded to the terminal apparatus, or when a power source of the terminal apparatus loaded with the medium is turned on, mutual authentication between the terminal apparatus and the medium is performed, and when the mutual authentication succeeds, information (marks or the like) indicating functions allowed to be realized by the application stored in the medium is displayed on the display part of the terminal apparatus. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a terminal device such as a mobile phone used for electronic commerce called IC card type electronic money, and a terminal system that performs electronic commerce using a terminal device in which a medium such as a memory card as an electronic device is mounted. .

  2. Description of the Related Art Conventionally, a system for performing a commercial transaction using money amount information stored in a recording medium has been realized. In such a system, a service (electronic money) such as a commercial transaction is provided using a magnetic card or IC card on which money amount information is recorded as a prepaid card. Such a prepaid card is required to fulfill the obligation to write on the face of a sheet stipulated by a law relating to the regulation of prepaid vouchers (so-called “preca law”). Since a conventional prepaid card uses a recording medium such as a magnetic card or an IC card, the card surface of the recording medium as a prepaid card has a matter that complies with the obligations on the card surface stated in the Prepay Act. It is described in advance.

  In recent years, a system for realizing the above service (electronic money) with a mobile terminal device has been put into practical use. This system stores an application to be used as electronic money and money amount information (value) as electronic money in a mobile terminal device or an electronic device mounted on the mobile terminal device. The business transaction based on the amount information is performed by wireless communication. In portable terminal devices used in such a system, an application for use as electronic money has been installed in advance, and a service that can be executed as information for fulfilling the obligation to write on the ticket face stipulated in the Preca Law. A mark indicating (electronic money) is imprinted in advance on the surface of the casing of the mobile terminal device.

  Furthermore, recent portable terminal devices have a configuration in which various functions can be added according to the user's request. For example, a service that meets a user's request by installing an application downloaded via a network in response to a user's operation or mounting an electronic device such as an external memory in which the application is installed on a mobile terminal device. Can be added. That is, technically, after manufacturing the mobile terminal device body, it is possible to add the electronic money function to the mobile terminal device according to the user's request.

However, there is a problem that it is difficult to imprint information (such as a mark) indicating the function of the added application on the casing of the mobile terminal device after the mobile terminal device body is manufactured. For example, when a user installs an application for performing transactions with electronic money after manufacturing a mobile terminal device or a user installs an external memory in which an application for performing transactions with electronic money is stored, the application is realized. It is difficult to imprint information such as a mark indicating the function of electronic money on the casing of the mobile terminal device. In such an operation mode, there is a problem that the conventional portable terminal device cannot fulfill the display obligation defined by the Preca law.
Japanese Patent Application Laid-Open No. 2004-5442

  The present invention solves the above-mentioned problems, and in order to fulfill the display obligations stipulated by law, information indicating functions such as executable commercial transactions can be displayed according to the situation. An object of the present invention is to provide a terminal device and a terminal system that can be used.

  The terminal device according to the present invention, which is used for electronic commerce, stores communication means for communicating with an external device, amount information usable in the commercial transaction, and an application for performing a transaction using the amount information. A storage means, an authentication means for authenticating whether or not the application and the amount information stored in the storage means are valid, and the authentication means successfully authenticates the amount information and the application. And display means for displaying identification information indicating a commercial transaction that can be executed by the application, and transaction means for performing a commercial transaction based on the amount information by the application in a state where the identification information is displayed by the display means.

  The terminal system according to the present invention is a system used for electronic commerce consisting of a terminal device and an electronic device connected to the terminal device, wherein the electronic device carries out a commercial transaction based on money amount information usable in the commercial transaction and the money amount information. Storage means for storing an application for communication, and first interface means for performing communication with the terminal device, wherein the terminal device is a communication means for performing wireless communication with an external device, and the electronic device A second interface means for communicating with the electronic device, an authenticating means for authenticating that the electronic device is valid, and if the electronic device is successfully authenticated by the authenticating means, stored in the electronic device Display means for displaying, on the display device, identification information indicating a business transaction that can be executed by the application being executed, and the display means By the application in the state of displaying the identification information to indicate device stored in said electronic device and a transaction means for performing transactions based on the amount information.

  According to the present invention, it is possible to provide a terminal device and a terminal system capable of displaying information indicating a function such as an executable commercial transaction in accordance with the situation in order to fulfill the display obligation defined by law. it can.

The best mode for carrying out the present invention will be described below with reference to the drawings.
FIG. 1 is a diagram showing an external configuration example of a mobile phone 1 as a mobile terminal device according to an embodiment of the present invention. As shown in FIG. 1, the mobile phone 1 is provided with a display unit 2 for displaying various guidance and the like to the user. The mobile phone 1 has a slot 3 into which a medium (electronic device) M such as a SIM card or a memory card is inserted. The mobile phone 1 operates based on specific specifications, and has a function of operating based on an application stored in the medium M inserted from the slot 3, for example.

FIG. 2 is a diagram illustrating a configuration example of an electronic payment system that performs electronic commerce using the mobile phone 1 (terminal system) on which the medium M is mounted.
The electronic payment system shown in FIG. 2 is a system that performs electronic commerce called IC card type electronic money, and includes a mobile phone 1 to which a medium M is attached, a reader / writer 5, a payment terminal 6, and the like. .

  The mobile phone 1 communicates with the reader / writer 5 based on an application stored in the medium M (wireless communication) in addition to functions as a normal mobile phone (for example, a mobile phone function and a data communication function). It has a function to perform. The medium M stores money amount information as electronic money (for example, value information that can be used as electronic money) and an application for performing a commercial transaction using the electronic money information.

  The reader / writer 5 and the payment terminal 6 perform fee settlement (settlement), and are installed, for example, at a cash register (checkout office) of a store. The reader / writer 5 includes a communication unit 5 a and is connected to the payment terminal 6. The reader / writer 5 communicates with the mobile phone 1 (the medium M attached to the mobile phone 1) via the communication unit 5a. The payment terminal 6 performs settlement (settlement) processing based on electronic money information acquired from the media M in the mobile phone 1 by the reader / writer 5.

Next, the configuration of the mobile phone 1 will be described in detail.
FIG. 3 is a block diagram illustrating a configuration example of the mobile phone 1.
As shown in FIG. 3, the mobile phone 1 includes a control unit 11, a display unit 2, a ROM 12, a RAM 13, a nonvolatile memory 14, a communication unit 15, a sound unit 16, a vibration unit 17, an operation unit 18, a power supply unit 19, a medium. An interface 20 and an antenna 21 are included.

  The control unit 11 controls the entire mobile phone 1. The control unit 11 includes a CPU, an internal memory, various interfaces, and the like. The control unit 11 has, as its basic functions, a display control function for controlling the display of the display unit 2, a PLL (Phase Locked Loop) circuit, a data stream path switching, a DMA (Direct Memory Access) controller, an interrupt controller, It has functions such as timer, UART (Universal Asynchronous Receiver Transmitter), secrecy, HDLC (High-level Data Link Control procedure) framing, device controller, and the like.

  The RAM 12 is a volatile memory that stores work data. The ROM 13 is a non-volatile memory that stores control programs, control data, and the like. The nonvolatile memory 14 is a rewritable nonvolatile memory that stores a control program, control data, and the like. The nonvolatile memory 14 stores user data, application data, authentication data used for authentication, data downloaded via a network, and the like. For example, the control unit 11 uses the authentication data stored in the nonvolatile memory 14 to perform mutual authentication with the medium M or an application stored in the medium M or the like.

  The communication unit 15 is connected to a mobile phone antenna. The communication unit 15 transmits and receives call data and data for data communication via radio waves via the mobile phone antenna. The audio unit 16 has an analog front end unit and an audio unit, and inputs and outputs audio. A speaker, a receiver, a microphone, etc. (not shown) are connected to the audio unit 16. The vibration unit 17 is configured by a vibration mechanism that vibrates the entire mobile phone 1. The operation unit 18 is configured by a keyboard or the like, and an operation instruction from the user is input.

  The power supply unit 19 is composed of a battery or the like, and supplies power to each unit in the mobile phone 1. The power supply unit 19 also has a function of supplying power to the media M connected via the media interface 20.

  The display unit 2 is configured by, for example, a liquid crystal display device. The display unit 2 is configured such that display on / off, display contents, and the like are controlled by the control unit 11. When the mobile phone 1 has a shell shape or the like, the display unit 2 includes a main display unit that appears when the housing is opened and a sub display unit provided on the back of the housing. You may make it.

  The media interface 20 is an interface to which the media M inserted from the slot 3 is connected. The media interface 20 is connected to the control unit 11 and the media M is connected to an antenna 21 for wireless communication with the reader / writer 5 as an external device (communication means of a business partner). . The antenna 21 transmits and receives a signal from the medium M connected to the media interface 20 as a radio wave. When an antenna for performing wireless communication with the reader / writer 5 is installed in the medium M, the antenna 21 in the mobile phone 1 may be omitted.

  Further, communication control of wireless communication with the reader / writer 5 may be performed by a communication control unit provided in the medium M connected to the media interface 20 or communication control provided in the mobile phone 1. You may make it carry out by a part. In the following description, it is assumed that communication control with the reader / writer 5 is performed by a communication control unit in the medium M.

Next, a configuration example of the medium M will be described.
FIG. 4 is a block diagram showing a configuration example of the medium M that can be attached to the media interface 20 of the mobile phone 1. The medium M is an electronic device having an interface corresponding to the media interface 20 of the mobile phone 1 and includes a nonvolatile memory such as a flash memory.

  As shown in FIG. 4, the medium M includes a control element 30, a RAM 31, a ROM 32, a nonvolatile memory 33, an input / output interface 34, a communication control unit 35, and the like. Note that the medium M shown in FIG. 4 operates in response to power supply from the power supply unit 19 of the mobile phone 1 when the power of the mobile phone 1 is on when the mobile phone 1 is mounted. It is supposed to be. When the mobile phone 1 is turned off, the medium M generates power from the radio wave received by the antenna 21 and supplies a signal to the control unit 11 of the mobile phone 1. It has become.

  The control element 30 controls the entire medium M. The control element 30 operates based on a control program stored in the ROM 32 or the nonvolatile memory 33. The control element 30 has, for example, a command transmission / reception function with the mobile phone 1 and an authentication function for performing mutual authentication with the mobile phone 1 by transmitting / receiving these commands.

  The RAM 31 is a volatile memory that temporarily stores work data and the like. The ROM 32 is constituted by a nonvolatile storage element, and stores a control program, control data, and the like in advance. The nonvolatile memory 33 is composed of a rewritable nonvolatile memory. The non-volatile memory 33 is a non-volatile storage means capable of writing data and rewriting data under the control of the control element 30. The non-volatile memory 33 has a storage area for storing money amount information used as electronic money and an application for performing transactions based on the money amount information.

  The input / output interface 34 is an interface connected to the media interface 20 on the mobile phone 1 side. The communication control unit 35 controls wireless communication with the reader / writer 5 as an external communication device via the antenna 21 in the mobile phone 1. That is, the input / output interface 34 is connected to the control unit 11 of the mobile phone 1 via the media interface 20 to realize data transmission / reception between the control element 30 and the control unit 11, and the mobile phone 1. By connecting to the internal antenna 21, wireless communication between the media M and the reader / writer 5 under the control of the communication control unit 35 is realized.

  For example, the control element 30 of the medium M transmits / receives data to / from the control unit 11 of the mobile phone 1 via the input / output interface 34 based on an application stored in the nonvolatile memory 33. Further, the control element 30 of the medium M is based on the application stored in the nonvolatile memory 33, and the reader / writer 5 by the communication control unit 35 via the input / output interface 34 and the antenna 21 in the mobile phone 1. Wireless communication.

Next, the operation of the mobile phone 1 as a terminal device in the electronic settlement system configured as described above will be described.
First, an operation example when the medium M is mounted on the mobile phone 1 will be described.
FIG. 5 is a flowchart for explaining an operation example when the medium M is mounted on the mobile phone 1.
When the media M is connected to the media interface 20 or when the power of the mobile phone 1 is turned on with the media M mounted, the control unit 11 of the mobile phone 1 Based on the output, it is detected whether or not the medium M is loaded (step S11).

  At the time when the medium M is attached to the mobile phone 1, information (application and money amount information) for realizing the electronic money function may already be stored in the medium M. Information for realizing the function of electronic money downloaded later by the mobile phone 1 via the network may be stored. Here, a description will be given on the assumption that a medium M in which information (application and money amount information) for realizing the electronic money function is already stored is attached to the mobile phone 1.

  When it is detected that the medium M is connected to the media interface 20 (step S11, YES), the control unit 11 (that is, the mobile phone 1 main body) performs a mutual authentication process with the medium M (step S11). S12). The mutual authentication process between the control unit 11 (the main body of the mobile phone 1) and the medium M is performed by using authentication data (authentication application and key information) set in advance based on information acquired from the medium M by the control unit 11 And the control unit 11 using authentication data (authentication application and key information) set in advance based on information acquired by the medium M from the control unit 11. (That is, processing for authenticating the main body of the mobile phone 1).

  When the mutual authentication between the control unit 11 and the medium M is successful (step S13, YES), the control unit 11 needs to display the mark on the mobile phone 1 by the application installed in the medium M It is determined whether it is an application (step S14). That is, the control unit 11 determines whether or not a function used as electronic money is set for the inserted medium M.

  If it is determined that there is an application that needs to display a mark based on the above determination (step S14, YES), the control unit 11 displays a mark as identification information indicating a function executable by the application on the display unit 2. (Step S15). Note that the mark may be displayed on the sub display unit when the mobile phone 1 has a sub display unit on the back of the casing in addition to the main display unit.

  If the mutual authentication process fails (step S13, NO), the control unit 11 performs the mutual authentication process with the media M until the number of mutual authentication processes reaches a predetermined number (step S16, YES). Retry (Retry). If mutual authentication with the medium M is not successful even after the above-described mutual authentication processing is executed a predetermined number of times (step S16, NO), the control unit 11 determines that mutual authentication is impossible or impossible. Then, error processing is performed (step S17). As the error processing, for example, the display unit 2 displays that the medium M inserted from the slot 3 is invalid or cannot be recognized.

  Note that when a medium M that does not store information (application or money amount information) for realizing the electronic money function is loaded (information for realizing the electronic money function of the cellular phone 1 after the loading is installed via the network) The mobile phone 1 may perform mutual authentication processing when the medium M is loaded, or information for realizing the function of electronic money. Mutual authentication processing may be performed when storing the data on the medium.

  According to the above processing, the mobile phone should perform mutual authentication with the media when the media is loaded, and if the mutual authentication is successful, information such as a mark should be displayed on the display unit. If the application is stored in the medium, information such as a mark corresponding to the application is displayed on the display unit. Thereby, the mobile phone can perform display according to information (application, amount information, etc.) stored in the loaded medium M.

  In particular, in an operation mode in which transactions using electronic money by the mobile phone 1 are possible with the medium M storing information (application and money amount information) for realizing the electronic money function being used, Information such as a mark indicating the function of executable electronic money can be displayed on the display unit, and the obligation to display electronic money defined by law or the like can be fulfilled. That is, even when the electronic money is realized by the information stored in the medium M that can be attached to and detached from the mobile phone, the mobile phone can fulfill the display obligations stipulated by laws and the like.

Next, an operation example when the mobile phone 1 obtains information for realizing electronic money from the outside (when downloading via the network) will be described.
FIG. 6 is a flowchart for explaining an operation example when the mobile phone 1 downloads an application for realizing electronic money via a network.

  The mobile phone 1 has a function of transmitting / receiving data to / from an external device via a network provided by a mobile phone carrier as a data communication function of the mobile phone. With this function, the mobile phone 1 can download data such as applications from an external device (for example, a server that provides a service such as an electronic money function) via a network.

  That is, when an application is downloaded from an external device via the network (step S21, YES), the control unit 11 of the mobile phone 1 stores the downloaded application in the nonvolatile memory of the media M connected to the media interface 20. 33 or stored in the nonvolatile memory 14. When the application downloaded via the network is stored, the control unit 11 of the mobile phone 1 performs an authentication process for the downloaded application (step S22). This authentication process may be performed by mutual authentication with the server that provides the application to be downloaded. Note that the processing in steps S22 and S23 may be omitted for applications that do not require authentication.

  If the downloaded application is successfully authenticated (step S23, YES), is the control unit 11 an application that needs to display a mark or the like as identification information on the display unit 2 of the mobile phone 1? It is determined whether or not (step S24). For example, when the application downloaded via the network is an application for realizing electronic money, the control unit 11 determines that it is necessary to display a mark as identification information indicating the function of the electronic money.

  If it is determined that the downloaded application is an application that needs to display a mark based on the above determination (step S24, YES), the control unit 11 displays a mark as identification information indicating a function executable by the application on the display unit. 2 (step S25). The mark may be displayed on the sub display unit when the mobile phone 1 has a sub display unit on the back of the casing in addition to the main display unit.

  If the downloaded application fails to be authenticated (step S23, NO), the control unit 11 retries the authentication process of the application until the number of authentication processes reaches a predetermined number (step S26, YES). (Retry). If the authentication of the application is not successful even after executing such authentication processing a predetermined number of times (step S26, NO), the control unit 11 cannot or cannot authenticate the application (the application is invalid) And error processing is performed (step S27). As this error processing, for example, the fact that the downloaded application is invalid is displayed on the display unit 2 or the application cannot be downloaded.

  According to the above processing, when an application is added to the mobile phone by downloading via a network or the like, if the application needs to display a mark or the like as identification information, it corresponds to the application. The identification information (such as a mark indicating a function realized by the application) is displayed on the display unit. Thus, the mobile phone can perform display according to the function realized by the added application.

  In particular, when an application for realizing the electronic money function is added, information such as a mark indicating the executable electronic money function can be displayed on the display unit of the mobile phone 1, which is defined by law. It is possible to fulfill the obligation to display the electronic money that is being used. That is, even when the electronic money function is realized by the downloaded application, the mobile phone can fulfill the display obligation defined by the law.

Next, an operation example by the mobile phone 1 will be described.
FIG. 7 is a flowchart for explaining an operation example when the mobile phone 1 performs a commercial transaction using electronic money.
First, when the operation unit 18 instructs the user to start an application for performing a transaction with electronic money (step S31, YES), the control unit 11 of the mobile phone 1 causes the electronic money realized by the application to be executed. It is determined whether or not a mark indicating the function is displayed on the display unit 2 (step S32). If it is determined by this determination that the mark is not displayed, the control unit 11 displays a mark indicating the electronic money function realized by the application on the display unit 2 (step S33).

  When the display unit 2 is composed of a liquid crystal display device having a backlight, the mobile phone 1 may display the mark with the backlight turned off for power saving. In this case, as a process for displaying the mark, the control unit 11 turns on the backlight according to the activation instruction of the application.

  The mobile phone 1 and the reader / writer 5 as an external device are in a state in which wireless communication is possible even when the display by the display unit 2 of the mobile phone 1 is off. Here, in the cellular phone 1, wireless communication with the reader / writer 5 is controlled by the medium M. In this case, a radio wave (for example, a response request or a transaction request by electronic money) from the reader / writer 5 is received by the medium M in the mobile phone 1 and notified to the control unit 11 from the control element 30 of the medium M. The

  That is, when a transaction request by electronic money is received as a radio wave from the reader / writer 5 (YES in step S34), the control unit 11 of the mobile phone 1 (or the control element 30 of the medium M) requests from the reader / writer 5. It is determined whether or not the application corresponding to the transaction that has been made is in a valid state (step S35). This determination is to determine whether an application corresponding to the transaction requested from the reader / writer 5 is installed and the electronic money function by the application is usable.

  Note that when radio waves are received from the reader / writer 5, for example, when a radio signal specified by ISO / IEC-14443 is received from the reader / writer 5, or as the first command of the transaction using electronic money, for example, It is assumed that the REQ-A, REQ-B or “Select” command specified in ISO / IEC-14443 is received.

  If it is determined by the above determination that the application corresponding to the transaction requested from the reader / writer 5 is not valid (step S35, NO), the control unit 11 performs error processing (step S36). As this error processing, for example, the fact that the application corresponding to the transaction is not installed or the application corresponding to the transaction is invalid is displayed on the display unit 2, and the transaction is stopped.

  If it is determined by the above determination that the application corresponding to the transaction requested from the reader / writer 5 is in a valid state (step S35, YES), the control unit 11 determines the electronic money realized by the application. It is determined whether or not a mark indicating a function is displayed on the display unit 2 (step S37). If it is determined by this determination that the mark is not displayed (NO in step S37), the control unit 11 displays a mark indicating the electronic money function realized by the application on the display unit 2. (Step S38).

  When the display unit 2 is composed of a liquid crystal display device having a backlight, the mobile phone 1 may display the mark with the backlight turned off for power saving. In this case, the control unit 11 turns on the backlight in response to a transaction request by the application as a process of displaying the mark.

  In a state where an application corresponding to the requested transaction from the reader / writer 5 is valid and a mark indicating a function of electronic money realized by the application is displayed on the display unit 2, the control unit 11 Performs activation processing for activating the application (step S39). This activation process is, for example, a process in which the control element 30 of the media M activates the application based on an application activation instruction corresponding to the transaction from the control unit 11.

  When an application corresponding to the transaction requested from the reader / writer 5 is activated, the control unit 11 and the control element 30 of the media M perform transaction processing with electronic money with the reader / writer 5 (step S40). This transaction processing is performed by wireless communication between the mobile phone 1 (or media M) and the reader / writer 5 via the antenna 21. For example, after authenticating a user by user authentication, the transaction amount is converted into electronic money. This is done by deducting from the amount information.

The embodiments described above will be summarized below.
First, when a medium as an electronic device storing an application that the user wants to use is attached to a mobile phone as a terminal device, or when a mobile phone equipped with the media is turned on, the mobile phone and the above Mutual authentication with the media. When the mutual authentication is successful, information (marks or the like) indicating functions realized by the application stored in the medium is displayed on the display unit of the mobile phone.

  Accordingly, information indicating the function of electronic money that can be executed by the application stored in the medium can be displayed on the display unit of the mobile phone. As a result, the mobile phone can fulfill display obligations stipulated by laws and the like.

  In addition, in mobile phones equipped with media that do not store applications, when applications are stored in the media or memory in the mobile phone by downloading via a network, etc., information (marks indicating functions realized by the applications) Etc.) are displayed on the display unit of the mobile phone.

  Thus, even when an application is added by downloading via a network, information indicating the electronic money function that can be executed by the added application can be displayed on the display unit of the mobile phone. As a result, the mobile phone can fulfill display obligations stipulated by laws and the like.

  Furthermore, information (marks, etc.) indicating functions realized by an application for executing transactions using electronic money may be always displayed on the display unit of the mobile phone, and power consumption can be reduced. Therefore, in a mobile phone having a function of turning off the display unit, a mark may be displayed at the time of transaction by the application.

  For example, in a mobile phone having a function of turning off the display unit in order to reduce power consumption, when a user inputs an instruction to turn on display of the display unit or an instruction to execute a transaction using electronic money (application activation instruction), The display unit is turned on, and information (such as a mark) indicating a function realized by the application is displayed on the display unit.

  As a result, even a mobile phone having a function of turning off the display unit in order to reduce power consumption can display a mark at least when dealing with the application, and fulfills the display obligation prescribed by law. be able to.

  In addition, in a mobile phone having a function of turning off the display unit in order to reduce power consumption, an electromagnetic wave (for example, specified in ISO / IEC-14443) as a signal requesting a response from an external device as a communication means of a business partner. When receiving the first command (eg REQ-A, REQ-B or “Select” command specified in ISO / IEC-14443) of electronic money transaction, the display unit Is turned on, and information (such as a mark) indicating a function realized by an application for executing a transaction using electronic money is displayed on the display unit.

  As a result, even a mobile phone having a function of turning off the display unit in order to reduce power consumption can display a mark at least when dealing with the application, and fulfills the display obligation prescribed by law. be able to.

It is a figure which shows the example of an external appearance structure of the mobile telephone as a portable terminal device which concerns on embodiment of this invention. The figure which shows the structural example of the electronic payment system which performs electronic commerce with the mobile telephone with which the medium was mounted | worn. The block diagram which shows the structural example of a mobile telephone. The block diagram which shows the structural example of the medium M which can be mounted | worn with the media interface of a mobile telephone. The flowchart for demonstrating the operation example when a medium is mounted | worn with a mobile telephone. The flowchart for demonstrating the operation example in case a mobile telephone downloads the application for implement | achieving electronic money via a network. The flowchart for demonstrating the operation example in case a mobile telephone performs the commercial transaction by electronic money.

Explanation of symbols

  M ... media, 1 ... mobile phone, 2 ... display unit, 3 ... slot, 5 ... reader / writer, 5a ... communication unit, 6 ... payment terminal, 11 ... control unit, 12 ... RAM, 13 ... ROM, 14 ... nonvolatile Memory, 15 ... Communication unit, 20 ... Media interface, 21 ... Antenna, 30 ... Control element, 31 ... RAM, 32 ... ROM, 33 ... Non-volatile memory, 34 ... Input / output interface, 35 ... Communication control unit

Claims (6)

In terminal devices used for electronic commerce,
A communication means for communicating with an external device;
Storage means for storing amount information usable in commercial transactions and an application for performing transactions using the amount information;
Authentication means for authenticating whether the application and the amount information stored in the storage means are valid;
When the authentication unit succeeds in authenticating the amount information and the application, a display unit that displays identification information indicating a commercial transaction that can be executed by the application;
Transaction means for performing a commercial transaction based on the amount information by the application in a state where the identification information is displayed by the display means,
A terminal device characterized by comprising: Furthermore, the terminal device user has an operation means for inputting an operation instruction,
The said display means displays the identification information which shows the commercial transaction which can be performed by the said application, when starting of the said application authenticated by the said authentication means is instruct | indicated by the said operation means. The terminal device according to 1. When a signal is received from an external device as a communication means of a supplier by the communication means, a determination means for determining the application for performing a commercial transaction based on the signal received from the external device,
The display means, when an application for conducting a commercial transaction determined by the determination means is authenticated by the authentication means, displays identification information indicating a commercial transaction that can be executed by the application. Item 1. The terminal device according to Item 1. In a terminal system used for electronic commerce consisting of a terminal device and an electronic device connected to the terminal device,
The electronic device is
Storage means for storing the amount of money information that can be used in the commercial transaction and an application for performing a commercial transaction based on the amount of money information;
First interface means for communicating with the terminal device,
The terminal device is
A communication means for performing wireless communication with an external device;
Second interface means for communicating with the electronic device;
Authentication means for authenticating that the electronic device is valid;
If the authentication unit succeeds in authenticating the electronic device, the display unit displays identification information indicating a commercial transaction executable by the application stored in the electronic device on the display device,
Transaction means for performing a commercial transaction based on the amount information by the application stored in the electronic device in a state where the identification information is displayed on the display device by the display means,
A terminal system characterized by that. The terminal device further includes an operation means for a user of the terminal device to input an operation instruction,
The display means displays identification information indicating a commercial transaction that can be executed by the application when the operation means instructs the activation of the application stored in the electronic device authenticated by the authentication means; The terminal system according to claim 4, wherein: When receiving a signal from an external device as a communication means of a business partner by the communication means, it has a determination means for determining an application for performing a commercial transaction based on the signal received from the external device,
The display unit displays identification information indicating a commercial transaction that can be executed by the application when an application for performing the commercial transaction determined by the determination unit is stored in the electronic device that is authenticated by the authentication unit. The terminal system according to claim 4, wherein:

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