JP2006318256A - Communication apparatus and settlement method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a communication apparatus capable of executing electronic settlement in a state that both of safety and convenience are improved and a settlement method using the communication apparatus. <P>SOLUTION: When a present position detected by a GPS communication part 58 coincides with prescribed positional information stored in a RAM 40 in the settlement method, personal information and identification number stored in the RAM 40 are transmitted to a prescribed communication destination for executing electronic settlement by a control circuit 36 to execute the electronic settlement. When a cellular phone 10 exists in a prescribed position, electronic settlement can be executed without requiring a user to input the identification number previously stored in the RAM 40, thereby improving convenience. When the cellular phone 10 does not exist in the prescribed position on the other hand, input of the ID number stored in the RAM 40 is required, so that a state that electronic settlement is arbitrarily executed by a third person can be prevented and safety can be secured. The communication apparatus utilizing the method is also disclosed. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a communication device capable of electronic payment such as credit and a payment method using the communication device.

Recently, a system capable of performing electronic payment such as credit using a communication device such as a mobile phone device has been developed. This system is very convenient because it is not necessary to always carry a predetermined settlement card, since it is possible to perform settlement of credits and the like electronically by using a cellular phone device that performs a call or mail reception.
JP 2002-99858 A

  By the way, as described above, when electronic payment is performed using a communication device, the user must input a personal identification number registered in advance from the viewpoint of improving safety, but the input operation is complicated. Therefore, there is a problem that convenience is deteriorated. On the other hand, if the password input operation is abolished, a third party other than the user can easily perform electronic payment using another person's communication device, which is problematic from the viewpoint of safety.

  Therefore, in consideration of the above circumstances, the present invention provides a communication device capable of performing electronic payment in a state in which both improvement in safety and improvement in convenience are achieved, and a payment method using the communication device. Objective.

  The invention according to claim 1 is a communication device capable of electronic payment, and stores storage means for storing personal information, a predetermined password, and predetermined position information necessary for payment, and detects a current position. When the current position detected by the position detecting means and the position detecting means matches the position information stored in the storage means, the personal information and the code number stored in the storage means are Control means for transmitting to a predetermined communication destination for electronic payment.

  According to the first aspect of the present invention, when the current position detected by the position detection means matches the predetermined position information stored in the storage means, the personal information and the password stored in the storage means Is transmitted to a predetermined communication destination for electronic payment by the control means, and electronic payment is performed. In this way, when the communication device is in a predetermined position, in other words, when there is a low possibility that a third party will use the communication device, the user does not input the password stored in advance in the storage means. Electronic payment can be performed, and convenience can be improved. If the communication device is not in a predetermined position, in other words, if there is a high possibility that a third party will use the communication device, it is necessary to input the personal identification number stored in the storage means. It is possible to prevent electronic payments from being made without permission by a person or the like, and to ensure safety.

  According to a second aspect of the present invention, in the communication device according to the first aspect, the communication apparatus includes a display unit that displays predetermined information, and the current position detected by the position detection unit is stored in the storage unit. If it does not match the position information, a screen prompting the input of the code number stored in the storage means is displayed on the display means, and the input code number matches the code number stored in the storage means. In this case, the inputted personal identification number and the personal information stored in the storage means are transmitted to the communication destination by the control means.

  According to the second aspect of the present invention, when the current position detected by the position detection unit does not match the position information stored in the storage unit, the screen prompting the input of the personal identification number stored in the storage unit is displayed. Displayed on the display means. When the personal identification number is input, the control means determines whether the input personal identification number and the personal identification number stored in the storage means match. If the personal identification number is determined to match, the input personal identification number is determined. The number and personal information stored in the storage means are transmitted to a predetermined communication destination for electronic payment by the control means, and electronic payment is performed. In this way, when the communication device is not in a predetermined position, in other words, when there is a high possibility that a third party will use the communication device, an electronic payment is not made unless the password stored in the storage means is input. Therefore, it is possible to prevent a third party from making an electronic payment without permission and to ensure safety.

  The invention according to claim 3 is a payment method for performing electronic payment using a communication device capable of electronic payment, wherein the current position detected by the position detection means matches the position information stored in the storage means. In this case, the personal information and the personal identification number stored in the storage means are transmitted to a predetermined communication destination for electronic payment by the control means.

  According to the third aspect of the present invention, when the current position detected by the position detection means matches the position information stored in the storage means, the personal information and the password stored in the storage means are controlled. The means is transmitted to a predetermined communication destination that performs electronic payment, and electronic payment is performed. In this way, when the communication device is in a predetermined position, in other words, when there is a low possibility that a third party will use the communication device, the user does not input the password stored in advance in the storage means. Electronic payment can be performed, and convenience can be improved. If the communication device is not in a predetermined position, in other words, if there is a high possibility that a third party will use the communication device, it is necessary to input the personal identification number stored in the storage means. It is possible to prevent electronic payments from being made without permission by a person or the like, and to ensure safety.

  According to a fourth aspect of the present invention, in the settlement method according to the third aspect, when the current position detected by the position detecting means does not match the position information stored in the storage means, the storage means A screen prompting the input of the stored password is displayed on the display means, and if the input password matches the password stored in the storage, the input password and the storage The personal information stored in is transmitted to the communication destination by the control means.

  According to the fourth aspect of the present invention, when the current position detected by the position detection unit does not match the position information stored in the storage unit, the screen prompting the input of the personal identification number stored in the storage unit is displayed. Displayed on the display means. When the personal identification number is input, the control means determines whether the input personal identification number and the personal identification number stored in the storage means match. If the personal identification number is determined to match, the input personal identification number is determined. The number and personal information stored in the storage means are transmitted to a predetermined communication destination for electronic payment by the control means, and electronic payment is performed. In this way, when the communication device is not in a predetermined position, in other words, when there is a high possibility that a third party will use the communication device, the electronic payment is made unless the password stored in the storage means is input. Therefore, it is possible to prevent a third party from making an electronic payment without permission and to ensure safety.

  According to the present invention, it is possible to perform electronic payment in a state where both improvement in safety and improvement in convenience are achieved.

  Next, a communication apparatus according to an embodiment of the present invention will be described with reference to the drawings. In the present embodiment, an example in which a mobile phone is used as a communication device will be described.

  As shown in FIG. 1, the mobile phone device 10 includes a communication unit 12 connected to an antenna 16. The communication unit 12 transmits a signal from a baseband unit 14 to be described later to the base station via the antenna 16 or receives radio waves from the base station via the antenna 16.

  The communication unit 12 is connected to the baseband unit 14. The baseband unit 14 includes a CDMA processing circuit 18 and an audio codec 20. Here, the CDMA processing circuit 18 performs code division multiple access, scrambling, error control, and timing detection. The audio codec 20 compresses (encodes) and decompresses (decodes) the audio, performs analog and digital conversion, and changes the received sound volume and microphone sensitivity by an internal amplifier circuit (not shown). .

  In addition, a switching circuit 22 is connected to the baseband unit 14. A first speaker 26 is connected to the switching circuit 22 via an amplifier circuit 24. The first speaker 26 converts the electric signal of the baseband unit 14 amplified by the amplifier circuit 24 into sound. This first speaker 26 is applied to the user's ear and used for a call.

  Further, the microphone 30 is connected to the switching circuit 22 via the amplifier circuit 28. The microphone 30 is used for a call and converts sound into an electrical signal. The electrical signal output from the microphone 30 is amplified by the amplifier circuit 28 and output to the baseband unit 14.

  Further, a second speaker 34 is connected to the switching circuit 22 via an amplifier circuit 32. The second speaker 34 converts the electric signal of the baseband unit 14 amplified by the amplifier circuit 32 into sound. The second speaker 34 is a loudspeaker for listening to the surrounding people of the received sound. The second speaker 34 also sounds an incoming call notification. Note that the gains of these three amplifier circuits 24, 28, and 32 are fixed, and the volume of the first speaker 26 and the second speaker 34 and the sensitivity of the microphone 30 cannot be changed.

  The switching circuit 22 is connected to the baseband unit 14 on the side of the amplifier circuit 24 for the first speaker 26 and the amplifier circuit 28 for the microphone 30, or the amplifier circuit 32 for the second speaker 34 for loud sound. And switching to the amplifying circuit 28 side for the microphone 30.

  In addition, the mobile phone device 10 includes a GPS communication unit (position detecting means) 58 connected to the GPS antenna 56. The GPS communication unit 58 converts the radio wave of the current position information captured by the GPS antenna 56 into an electrical signal and outputs the electrical signal to the control circuit 36. Note that the current position information of the mobile phone device 10 output to the control circuit 36 is stored in a RAM 40 described later.

  A control circuit (control means) 36 is connected to each of the communication unit 12, the baseband unit 14, the switching circuit 22, and the GPS receiving unit 58. Switching by the switching circuit 22 described above is performed under the control of the control circuit 36. The control circuit 36 controls the audio codec 20 of the baseband unit 14, and the audio codec 20 changes the volume of the first speaker 26 and the second speaker 34 and the sensitivity of the microphone 30. The control circuit 36 is connected to the ROM 38 and controls each unit based on a system program stored in the ROM 38. The control circuit 36 is connected to a RAM (storage means) 40 in which predetermined information necessary for the operation of the control circuit 36 is stored. In addition, the control circuit 36 has a built-in timer. By counting with this timer, a key lock state in which characters cannot be input from the input unit 44 or the like as described later continues for a predetermined time or more. It is judged by the control circuit 36 whether or not it is.

  Here, predetermined information is stored in the RAM 40. Specifically, predetermined location information of the mobile phone device 10 (for example, the user's home location information), personal information of the user necessary for electronic payment (for example, a credit card number), and a predetermined password Are stored as data.

  An input unit 44 is connected to the control circuit 36. The input unit 44 includes a numeric keypad 48 for inputting a telephone number, a password, etc., a call key 50 for operating the start of a call, a cut key 52 for operating the end of a call, and function keys for setting various functions. 54.

  The control circuit 36 is connected to a display (display unit) 42 that displays predetermined information. The control circuit 36 is connected to an illumination unit 46 having a predetermined color LED element. The display 42 is given a predetermined color by the light emitted from the LED elements of the illumination unit 46.

  Next, a payment method of electronic payment using the mobile phone device 10 according to the present embodiment will be described based on the flowchart shown in FIG.

  As shown in FIG. 2, in step 100, the radio wave of the current position information captured by the GPS antenna 56 is converted into an electrical signal by the GPS communication unit 58 and output to the control circuit 36. When the converted electrical signal is output to the control circuit 36, the current position of the mobile phone device 10 is specified by the control circuit 36. In step 120, the control circuit 36 determines whether or not the current position specified by the control circuit 36 matches the position information (the user's home position information) stored in advance in the RAM 40. When the control circuit 36 determines that the current position specified by the control circuit 36 matches the position information stored in the RAM 40 in advance, in step 140, the user's personal information (for example, credit card) stored in the RAM 40 in advance. And the personal identification number are read from the RAM 40. When the user's personal information (for example, credit card number) and the password stored in advance in the RAM 40 are read from the RAM 40, the user's personal information and the password stored in the RAM 40 in step 160 are It is transmitted to a predetermined partner (for example, a server) capable of electronic payment. Thereby, electronic payment is implemented.

  On the other hand, if the control circuit 36 determines that the current position specified by the control circuit 36 in step 120 does not match the position information stored in the RAM 40 in advance, the display 42 is controlled by the control circuit 36 in step 180. A password input screen prompting the user to input a predetermined password stored in advance in the RAM 40 is displayed on the display 42. When the personal identification number input screen is displayed on the display 42, in step 200, the control circuit 36 determines whether or not the personal identification number has been input. When it is determined by the control circuit 36 that the personal identification number has been input in step 200, the control circuit 36 determines in step 220 whether or not the input personal identification number matches the personal identification number stored in the RAM 40 in advance. The If the control circuit 36 determines that the password entered in step 220 matches the password stored in advance in the RAM 40, the process proceeds to step 140, and the user's personal information (for example, credit card) stored in the RAM 40 in advance. The card number and the like and the password are read from the RAM 40. In step 160, the user's personal information and password stored in advance in the RAM 40 are transmitted to a predetermined partner (for example, a server) capable of electronic payment. Thereby, electronic payment is implemented. If the control circuit 36 determines that the password entered in step 220 does not match the password stored in advance in the RAM 40, the process proceeds immediately before step 180.

  As described above, when the current position detected by the GPS communication unit 58 matches the predetermined position information stored in the RAM 40, in other words, it is unlikely that a third party uses the mobile phone device 10. In this case, since the electronic payment can be performed without the user inputting the personal identification number stored in advance in the RAM 40, the convenience can be improved.

  If the current position detected by the GPS communication unit 58 does not match the position information stored in the RAM 40, in other words, if there is a high possibility that a third party will use the mobile phone device 10, the RAM 40 Since it is not possible to make an electronic payment without entering the same password as the password stored in the memory, it is possible to prevent a third party from making an electronic payment without permission and to ensure safety.

1 is a block diagram of a mobile phone device according to an embodiment of the present invention. It is a flowchart which shows the effect | action of the mobile telephone apparatus which concerns on one Embodiment of this invention.

Explanation of symbols

10 Mobile phone device 36 Control circuit (control means)
40 RAM (storage means)
42 Display (display means)
58 GPS communication unit (position detection means)

Claims (4)

A communication device capable of electronic payment,
Storage means for storing personal information necessary for settlement, a predetermined password, and predetermined position information;
Position detection means for detecting the current position;
When the current position detected by the position detecting unit matches the position information stored in the storage unit, the personal information stored in the storage unit and the personal identification number are used for the electronic settlement. A control means for transmitting to the communication destination of
A communication apparatus comprising: Having display means for displaying predetermined information;
When the current position detected by the position detection means does not match the position information stored in the storage means, a screen for prompting the input of the personal identification number stored in the storage means is displayed on the display means, If the input password and the password stored in the storage means match, the input password and the personal information stored in the storage are transmitted to the communication destination by the control means. The communication apparatus according to claim 1, wherein: A payment method for electronic payment using a communication device capable of electronic payment,
If the current position detected by the position detection means matches the position information stored in the storage means, the personal information and the password stored in the storage means are sent to a predetermined communication destination for electronic payment by the control means. A payment method characterized by being transmitted. If the current position detected by the position detection means does not match the position information stored in the storage means, a screen prompting the input of the personal identification number stored in the storage means is displayed on the display means. If the entered personal identification number matches the personal identification number stored in the storage means, the inputted personal identification number and the personal information stored in the storage means are transmitted to the communication destination by the control means. The settlement method according to claim 3.

Images