JP2009134614A - Contactless ic reader, contactless ic, and method for settlement by electronic money - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a reader/writer, a contactless IC card and a method for settlement by electronic money that increase reliability of electronic settlement. <P>SOLUTION: When the contactless IC card 10 and the reader/writer 20 establish communication for the first time, the reader/writer 20 sends an amount paid to the contactless IC card 10. The contactless IC card 10 displays the amount paid. When the contactless IC card 10 and the reader/writer 20 establish communication for the second time within a predetermined time, the reader/writer 20 sends a payment signal to the contactless IC card 10. The contactless IC card 10 performs the payment of the amount paid. The payment information can be checked on the noncontact IC side before the payment to increase the reliability of electronic settlement. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention provides a non-contact type IC reader that performs wireless communication with a non-contact type IC and causes the non-contact type IC to perform payment processing, a non-contact type IC that performs wireless communication with the non-contact type IC reader and performs payment processing, The present invention also relates to an electronic money settlement method for performing electronic settlement of a contactless IC that performs wireless communication with a contactless IC reader.

  In recent years, as a payment (convenience payment) at a convenience store or the like, payment of electronic money using a non-contact type IC card with a built-in non-contact type IC for wireless communication has been performed. When a predetermined amount of electronic money is charged in advance, this non-contact type IC card is brought close to (holds over) a non-contact type reader / writer connected to a cash register (accounting device). The payment amount is reduced from the card, and the settlement process is performed. Note that the non-contact type IC card can be used repeatedly any number of times by recharging the electronic money.

By the way, when making a payment using such a non-contact type IC card, the user brings the non-contact type IC card close to the reader / writer after looking at the amount displayed on the cash register or the reader / writer. Patent Document 1 discloses that the balance of a non-contact type IC card is displayed before payment processing is performed.
JP 2003-085623 A

  However, since payment is not made with a contactless IC card, the user confirms the payment amount reduced from the contactless IC card in addition to trusting the payment amount displayed on the reader / writer. There is a problem that the reliability for electronic payment is not sufficient. In Patent Document 1, the balance of the non-contact type IC card is displayed before the payment process is performed, but the payment amount is displayed only on the non-contact type IC card reader side. For this reason, for example, there is a possibility that it will be displayed at a lower price than the payment amount actually processed due to the modification of the non-contact type IC card reader by a malicious person. There was a problem that the payment amount to be reduced could not be confirmed in advance.

  Accordingly, an object of the present invention is to provide a contactless IC reader, a contactless IC, and an electronic money settlement method that can improve the reliability of electronic settlement.

  The non-contact type IC reader according to the present invention is a non-contact type IC reader that wirelessly communicates with a non-contact type IC and causes the non-contact type IC to perform payment processing, and detects communication with the non-contact type IC. Payment information transmitting means for transmitting payment information to a non-contact type IC, and payment that causes payment information to be processed when communication with the non-contact type IC is detected again after the payment information is transmitted by the payment information transmitting means. Payment processing signal transmitting means for transmitting the processing signal to the non-contact type IC.

  According to the non-contact type IC reader according to the present invention, first, when communication with the non-contact type IC is performed, payment information is transmitted to the non-contact type IC, and thereafter, communication with the non-contact type IC is performed again. By doing so, the non-contact type IC is made to perform payment processing. As described above, since the user can check the payment processing information on the non-contact IC side before the payment processing is performed, the reliability for electronic payment can be improved.

  In this case, it is preferable that the payment processing signal transmitting means transmits the payment processing signal to the non-contact type IC only when detecting a payment enable signal transmitted from the non-contact type IC. According to this non-contact type IC reader, if a payment enable signal is not detected, a payment processing signal is not transmitted to the non-contact type IC, and therefore, payment processing is prevented from being performed by unintended non-contact type IC communication. be able to.

  The non-contact type IC according to the present invention is a non-contact type IC that performs payment processing by performing wireless communication with the non-contact type IC reader. When communication with the non-contact type IC reader is detected, the non-contact type IC reader Payment information display processing means for displaying the payment information transmitted from the device, and after the payment information is displayed by the payment information display processing means, when communication with the non-contact type IC reader is detected again, it is transmitted from the non-contact type IC. Payment processing means for performing payment processing of payment information based on the payment processing signal.

  According to the non-contact type IC according to the present invention, first, payment information transmitted from the non-contact type IC reader is displayed, and then payment processing is performed based on the payment processing signal transmitted from the non-contact type IC reader. . As described above, since the user can check the payment processing information on the non-contact IC side before the payment processing is performed, the reliability for electronic payment can be improved.

  In this case, when the payment information transmitted from the non-contact type IC reader is detected, the information processing apparatus may further include a balance information transmission unit that transmits at least one of the scheduled payment amount and the planned balance after the payment process to the non-contact type IC reader. preferable. According to this non-contact type IC, when the payment information transmitted from the non-contact type IC reader is detected, at least one of the planned payment amount and the planned balance after the payment process is transmitted to the non-contact type IC reader. In this way, before the payment process is performed, the user also confirms at least one of the planned payment amount and the planned balance after the payment process on the non-contact type IC reader side. Therefore, the reliability of electronic payment can be improved.

  An electronic money settlement method according to the present invention is an electronic money settlement method for performing electronic settlement of a non-contact type IC that performs wireless communication with a non-contact type IC reader, wherein the non-contact type IC, the non-contact type IC reader, When the communication is detected, the payment amount information notifying step for notifying the user of at least one of the scheduled payment amount and the scheduled balance after the payment process, and the non-contact type IC and the non-contact type IC again after the payment amount information notification step A payment processing step for performing a payment process for a payment scheduled amount when communication with the reader is detected.

  According to the electronic money settlement method of the present invention, first, when communication between a contactless IC and a contactless IC is detected, at least one of a scheduled payment amount and a scheduled balance after settlement is notified, and then The payment process is performed by detecting communication between the non-contact type IC and the non-contact type IC reader again. As described above, since the user can confirm at least one of the scheduled payment amount and the scheduled balance after the settlement process before the settlement process is performed, the reliability of the electronic settlement can be improved.

  In this case, it is preferable that the payment processing step performs the payment processing only when a payment permission signal that permits the payment processing is detected. According to this electronic money settlement method, payment processing is not performed unless a payment enable signal is detected. Therefore, payment processing is performed by communication between an unintended non-contact IC and a non-contact IC reader. Can be prevented.

  According to the present invention, the reliability of electronic payment can be improved.

  Hereinafter, embodiments of a non-contact type IC reader, a non-contact type IC and an electronic money settlement method according to the present invention will be described with reference to the drawings. In addition, in each figure, the same code | symbol is attached | subjected to the same element and the overlapping description is abbreviate | omitted.

[First Embodiment]
FIG. 1 is a system configuration diagram showing a settlement processing system according to the first embodiment. As shown in FIG. 1, a settlement processing system 1 according to the first embodiment includes a non-contact type IC card 10 and a reader / writer (non-contact type IC reader) 20 that can wirelessly communicate with the non-contact type IC card 10. It is comprised by.

  The reader / writer 20 is connected to a cash register of a store such as a convenience store, and performs wireless communication with the non-contact type IC card 10 to cause the non-contact type IC card 10 to perform payment processing (subtraction processing). is there. The reader / writer 20 performs non-contact R / W (Read / Read / Write) to display and write various information from the non-contact IC card 10 by performing wireless communication with the display unit 220 on which various information is displayed and the non-contact IC card 10. Write) unit 230, antenna unit 240 connected to non-contact R / W unit 230, and control unit 210 that performs overall control of non-contact type IC card 10.

  Functionally, the control unit 210 includes a communication detection unit 210a, a payment information transmission unit 210b, and a payment processing signal transmission unit 210c. The control unit 210 is physically connected to the display unit 220 and the non-contact R / W unit 230, and mainly includes a CPU 211 and a memory 212.

  Then, when the first contact is detected when the non-contact type IC card 10 comes close to the reader / writer 20, the control unit 210 transmits a payment amount to the non-contact type IC card 10. In addition, when the non-contact type IC card 10 is brought close to the reader / writer 20 and the second communication is detected, the control unit 210 sends a payment processing signal to the non-contact type IC card 10 to perform payment processing. Send. Thus, the control unit 210 functions as the communication detection unit 210a, the payment information transmission unit 210b, and the payment processing signal transmission unit 210c.

  The non-contact type IC card 10 is formed in a card shape capable of wireless communication with the reader / writer 20, and performs a payment process using electronic money. The non-contact type IC card 10 is equipped with a non-contact type IC 100 that performs payment processing with electronic money by performing wireless communication with the reader / writer 20. The non-contact IC 100 includes a non-contact ICC (IC Chip) unit 120 that performs wireless communication with the reader / writer 20, an antenna unit 130 connected to the non-contact ICC unit 120, and overall control of the non-contact IC card 10. The control part 110 which performs is built in. Further, the non-contact type IC card 10 is provided with a display unit 140 for displaying various information and a balance holding unit 150 for storing a balance of electronic money. The display unit 140 and the balance holding unit 150 are provided. Are connected to the non-contact type IC 100.

  The balance holding unit 150 stores a balance of electronic money charged (held) in the non-contact type IC card 10. When the balance stored in the balance holding unit 150 is electronically settled by the non-contact type IC card 10, the payment amount is subtracted by the payment process. Further, when the balance stored in the balance holding unit 150 is charged with a predetermined amount by a predetermined reader / writer, the charged predetermined amount is added.

  The control unit 110 functionally includes a payment processing unit 110a and a payment information display processing unit 110b. The control unit 110 is physically connected to the non-contact ICC unit 120, and mainly includes a CPU 111 and a memory 112.

  Then, when the non-contact type IC card 10 is brought close to the reader / writer 20 to detect the first communication and the control unit 110 receives the payment amount transmitted from the reader / writer 20, the control unit 110 displays the payment amount. 140 is displayed. Further, when the non-contact type IC card 10 is brought close to the reader / writer 20 and the second communication is detected and the control unit 110 detects a payment processing signal transmitted from the reader / writer 20, the control unit 110 stores the payment processing signal in the balance holding unit 150. The payment amount is subtracted from the balance of electronic money. Thus, the control unit 110 functions as the payment processing unit 110a and the payment information display processing unit 110b.

  Next, the payment processing operation of the payment processing system 1 according to the present embodiment will be described with reference to FIGS. 2 is a sequence diagram for explaining the settlement processing operation of the settlement processing system 1, FIG. 3 is a flowchart for explaining the settlement processing operation of the reader / writer, and FIG. 4 is a non-contact type IC card. It is a flowchart for demonstrating the payment processing operation of.

  First, the payment processing operation of the payment processing system 1 will be briefly described with reference to FIG.

  When the first communication is performed between the non-contact type IC card 10 and the reader / writer 20 (step S1), the payment amount is transmitted from the reader / writer 20 to the non-contact type IC card 10 (step S2). . And in the non-contact type IC card 10, this payment amount is displayed (step S3).

  Thereafter, when a second communication is performed between the non-contact type IC card 10 and the reader / writer 20 within a predetermined time (step S4), a payment processing signal is sent from the reader / writer 20 to the non-contact type IC card 10. Is transmitted (step S5). Then, in the non-contact type IC card 10, a payment process for the payment amount is performed (step S6).

  Next, a detailed settlement processing operation of the reader / writer 20 will be described with reference to FIG.

  First, a cash register is registered as advance preparation, and a payment method is set to perform electronic payment using the non-contact type IC card 10 (step S11).

  When the non-contact type IC card 10 is brought close to the reader / writer 20 and the first communication is performed between the non-contact type IC card 10 and the reader / writer 20 (step S12: YES), the control unit 210. Transmits the payment amount to the non-contact type IC card 10 (step S13).

  After the step S13, when the non-contact type IC card 10 is brought close to the reader / writer 20 within a predetermined time, a second communication is performed between the non-contact type IC card 10 and the reader / writer 20 (step S13). (S14: YES), the control unit 210 transmits a payment processing signal to the non-contact type IC card 10 (step S15).

  On the other hand, if the second communication is not performed within a predetermined time after step S13 (step S14: NO), the control unit 210 does not transmit a payment processing signal to the non-contact type IC card 10. The process is terminated.

  Next, a detailed settlement processing operation of the non-contact type IC card 10 will be described with reference to FIG.

  First, when the first contact is made between the non-contact type IC card 10 and the reader / writer 20 by bringing the non-contact type IC card 10 close to the reader / writer 20 (step S21: YES), the control unit 110. Receives the payment amount transmitted from the reader / writer 20 (step S22). And the control part 110 displays the payment amount received in step S22 on the display part 140 (step S23).

  After the step S23, when the non-contact type IC card 10 is brought close to the reader / writer 20 within a predetermined time, the second communication is performed between the non-contact type IC card 10 and the reader / writer 20 (step S23). (S24: YES), the control unit 110 receives the payment processing signal transmitted from the reader / writer 20 (step S26). And the control part 110 performs the payment process which subtracts the amount of payment from the balance of the electronic money memorize | stored in the balance holding | maintenance part 150 (step S27). In step S27, the payment amount subtracted from the balance of the electronic money is the payment amount displayed in step S23.

  On the other hand, if the second communication is not performed between the non-contact type IC card 10 and the reader / writer 20 within a predetermined time after step S23 (step S24: NO), the control unit 110 performs the payment process. Cancel (step S27). Then, the process ends without subtracting the payment amount from the balance of the electronic money stored in the balance holding unit 150.

[Second Embodiment]
Next, a payment processing system according to the second embodiment will be described. FIG. 5 is a system configuration diagram showing a settlement processing system according to the second embodiment. As shown in FIG. 5, the payment processing system 2 according to the second embodiment includes a non-contact IC card 30 in which a pressure detection unit 360 is added to the non-contact IC card 10 of the first embodiment, The reader / writer 20 of the first embodiment is configured by the reader / writer 40 having the same configuration.

  The pressure detection unit 360 of the non-contact type IC card 30 is a pressure sensor (not shown) provided in the vicinity of the surface of the non-contact type IC card 30 and detects the pressure with which the user presses the pressure sensor. . And pressure detection part 360 will transmit a pressure detection signal to control part 110, if pressure is detected.

  The control unit 110 of the non-contact type IC card 30 is provided with a payment processing unit 110a and a payment information display processing unit 110b, and further has a function of a payment enable signal transmission unit 110c. When the control unit 110 receives the pressure detection signal transmitted from the pressure detection unit 360 and detects the second communication with the reader / writer 40, the control unit 110 transmits a payment enable signal to the reader / writer 40. To do. In this way, the control unit 110 functions as the payment enable signal transmission unit 110c.

  On the other hand, when the control unit 210 of the reader / writer 40 detects the second communication with the non-contact type IC card 30 and detects a payable signal transmitted from the non-contact type IC card 30, the non-contact type IC card 30. A payment processing signal is transmitted to.

  Next, a detailed settlement processing operation of the non-contact type IC card 30 will be described with reference to FIG. FIG. 6 is a flowchart for explaining the settlement processing operation of the non-contact type IC card 30.

  First, similarly to the non-contact type IC card 10 of the first embodiment, the processes in steps S21 to S23 are performed.

  Then, when the process of step S23 ends, the control unit 110 determines whether or not the second communication is detected in the pressure detection state within a predetermined time (step S31). That is, in step S31, when the pressure detection signal is received from the pressure detection unit 360, the non-contact type IC card 10 is brought close to the reader / writer 20, and between the non-contact type IC card 10 and the reader / writer 20, It is determined whether or not the second communication has been performed. In the determination of step S31, if the pressure detection signal is received during the second communication after the payment amount is displayed in step S23, the second communication is detected in the pressure detection state. You may judge.

  When the second communication is detected in the pressure detection state within the predetermined time in the determination in step S31 (step S31: YES), the control unit 110 transmits a payment enable signal to the reader / writer 20 (step S32). ). Thereafter, the control unit 110 receives the payment processing signal transmitted from the reader / writer 20 (step S26), and performs a payment process for subtracting the payment amount from the balance of the electronic money stored in the balance holding unit 150 (step S27). ).

  On the other hand, if it is determined in step S31 that the second communication is not detected in the pressure detection state within a predetermined time (step S31: NO), the control unit 110 stops the payment process (step S25). Then, the process ends without subtracting the payment amount from the balance of the electronic money stored in the balance holding unit 150.

  Next, a detailed settlement processing operation of the reader / writer 40 will be described with reference to FIG. FIG. 7 is a flowchart for explaining the settlement processing operation of the reader / writer 40.

  First, similarly to the reader / writer 20 of the first embodiment, the processes in steps S11 to S14 are performed.

  And in step S14, when the 2nd communication is detected (step S14: YES), the control part 210 determines whether the payment permission signal transmitted from the non-contact-type IC card 30 was detected (step). S41).

  If it is determined in step S41 that a payment enable signal has been detected (step S41: YES), the control unit 210 transmits a payment processing signal to the non-contact type IC card 30 (step S15).

  On the other hand, when it is determined in step S41 that the payment permission signal is not detected (step S41: NO), the control unit 210 ends the process without transmitting a payment processing signal to the non-contact type IC card 10.

[Third Embodiment]
Next, a payment processing system according to the third embodiment will be described. FIG. 8 is a system configuration diagram showing a settlement processing system according to the third embodiment. As shown in FIG. 8, the payment processing system 3 according to the third embodiment includes a non-contact type IC card 50 having the same configuration as the non-contact type IC card 10 according to the first embodiment, and the first embodiment. The reader / writer 20 and the reader / writer 60 have the same configuration.

  The control unit 210 of the reader / writer 20 includes a communication detection unit 210a, a payment information transmission unit 210b, and a payment processing signal transmission unit 210c, and further includes a balance information request unit 210d. When detecting the first communication with the non-contact type IC card 10, the control unit 210 transmits a balance information request for requesting a balance of electronic money, a scheduled payment amount, and a scheduled balance after payment. Thus, the control unit 210 functions as the balance information request unit 210d.

  The control unit 110 of the non-contact type IC card 10 includes a payment processing unit 110a and a payment information display processing unit 110b, and further includes a balance information transmission unit 110d. When the control unit 110 detects the first communication with the reader / writer 20 and receives the payment amount and balance request signal transmitted from the reader / writer 20, the control unit 110 displays the balance of electronic money stored in the balance holding unit 150. The payment amount to be read and subtracted from this balance and the expected balance of electronic money after the payment process are calculated. Then, the control unit 110 transmits the balance of electronic money, the scheduled payment amount, and the scheduled balance after payment to the reader / writer 20 as balance information. As described above, the control unit 110 functions as the balance information transmission unit 110d.

  Next, with reference to FIG. 9, a detailed settlement processing operation of the non-contact type IC card 50 will be described. FIG. 9 is a flowchart for explaining the settlement processing operation of the non-contact type IC card 50.

  First, similarly to the non-contact type IC card 10 of the first embodiment, the processes in steps S21 to S23 are performed.

  When the process of step S23 ends, the control unit 110 receives the balance information request transmitted from the reader / writer 60 (step S61). Then, the control unit 110 reads the balance of electronic money stored in the balance holding unit 150, and calculates the planned payment amount subtracted from this balance and the planned balance of electronic money after the payment process. Then, the control unit 110 transmits the balance of electronic money, the scheduled payment amount, and the scheduled balance after payment to the reader / writer 20 as balance information (step S62).

  Thereafter, similarly to the non-contact type IC card 10 of the first embodiment, when the control unit 110 detects the second communication within a predetermined time (step S24: YES), the control unit 110 receives a payment processing signal (step S24). S26), payment processing is performed (step S27). On the other hand, if the second communication is not detected within the predetermined time (step S24: NO), the control unit 110 stops the payment process (step S25) and ends the process.

  Next, a detailed settlement processing operation of the reader / writer 60 will be described with reference to FIG. FIG. 10 is a flowchart for explaining the settlement processing operation of the reader / writer 60.

  First, similarly to the reader / writer 20 of the first embodiment, the processes in steps S11 to S12 are performed.

  Then, when detecting the first communication with the non-contact type IC card 50 (step S12: YES), the control unit 210 transmits the payment amount to the non-contact type IC card 50 (step S13). A balance information request is transmitted (step S14).

  After that, when receiving the balance information transmitted from the non-contact type IC card 50 (step S52), the control unit 210 includes the balance of electronic money, the scheduled payment amount, and the electronic money after the payment process included in the balance information. Is displayed on the display unit 220 (step S53).

  Thereafter, when the control unit 210 detects the second communication (step S14: YES), the control unit 210 transmits a payment processing signal to the non-contact type IC card 50 and does not detect the second communication (step S14: NO). The processing ends without transmitting the payment processing signal to the non-contact type IC card 50.

[Fourth Embodiment]
Next, a payment processing system according to the fourth embodiment will be described. FIG. 11 is a system configuration diagram showing a settlement processing system according to the fourth embodiment. As shown in FIG. 11, the payment processing system 4 according to the fourth embodiment includes a reader / writer 40 according to the second embodiment and a mobile phone 70 that performs wireless communication with the reader / writer.

  The mobile phone 70 includes a wireless communication unit 730 that performs wireless communication with a base station, a wireless communication antenna unit 720 connected to the wireless communication unit 730, a display unit 740 that displays various information, and a user who uses a mobile phone. An operation unit 750 for performing an operation 70, a balance holding unit 760 for storing a balance of electronic money, and a non-contact type IC 100 that performs wireless communication with the reader / writer 40 and performs electronic payment using electronic money. Yes. The non-contact IC 100 includes a non-contact ICC unit 770 that performs wireless communication with the reader / writer 40, an antenna unit 780 connected to the non-contact ICC unit 770, and a control unit 710 that performs overall control of the mobile phone 70. Is provided.

  The operation unit 750 is for operating the mobile phone 70 and is provided with an operation button (not shown) for allowing payment processing. When this operation button is pressed, a button operation detection signal is transmitted to the control unit 710.

  The control unit 710 functionally includes a payment processing unit 710a, a payment information display processing unit 710b, and a payment enable signal transmission unit 710c, similarly to the control unit 210 of the contactless IC card 30 of the second embodiment. It is. The control unit 710 is physically connected to the non-contact ICC unit 770, and mainly includes a CPU 711 and a memory 712.

  Then, when the first communication is detected when the mobile phone 70 comes close to the reader / writer 40, the control unit 710 receives the payment amount transmitted from the reader / writer 40 and displays the payment amount on the display unit 740. Display. Further, when the control unit 710 receives the pressure detection signal transmitted from the operation unit 750 and detects the second communication due to the mobile phone 70 approaching the reader / writer 40, the control unit 710 causes the reader / writer 40 to In response to this, a payment signal is transmitted. Thereafter, when the payment processing signal transmitted from the reader / writer 40 is detected, the payment amount is subtracted from the balance of the electronic money stored in the balance holding unit 760. In this way, the control unit 710 functions as a payment processing unit 710a, a payment information display processing unit 710b, and a payment enable signal transmission unit 710c.

  The payment processing operation of the payment processing system 4 is the same as the payment processing operation of the payment processing system 2 according to the second embodiment. The mobile phone 70 performs the settlement processing operation shown in FIG. The settlement process operation shown in FIG. 7 is performed.

[Fifth Embodiment]
Next, a payment processing system according to the fifth embodiment will be described. FIG. 12 is a system configuration diagram showing a payment processing system according to the fifth embodiment. As shown in FIG. 12, the settlement processing system 5 has the same configuration as the non-contact type IC card 80 having the same configuration as the non-contact type IC card 30 of the second embodiment and the reader / writer 40 of the second embodiment. And a reader / writer 90.

  Regardless of the number of times of communication with the reader / writer 90, the control unit 110 of the non-contact type IC card 80 determines whether or not to transmit a payment enable signal depending on whether or not a pressure detection signal is received when communication is detected. That is, when detecting a communication with the reader / writer 40 and receiving a pressure detection signal, the control unit 110 transmits a payable signal to the reader / writer 40. On the other hand, when the control unit 110 detects communication with the reader / writer 40 and does not receive a pressure detection signal, the control unit 110 does not transmit a payable signal to the reader / writer 40.

  Whether the control unit 210 of the reader / writer 90 transmits a payment amount or a payment processing signal depending on whether or not a payment enable signal is detected when communication is detected, regardless of the number of times of communication with the non-contact type IC card 80. Judging. That is, when the control unit 210 detects communication with the non-contact type IC card 80 and does not detect a payment enable signal transmitted from the non-contact type IC card 80, the control unit 210 Send the payment amount. On the other hand, when the control unit 210 detects a payment enable signal transmitted from the non-contact type IC card 80 when detecting communication with the non-contact type IC card 80, the control unit 210 To send a payment processing signal.

  Next, a detailed settlement processing operation of the non-contact type IC card 80 will be described with reference to FIG. FIG. 13 is a flowchart for explaining the settlement processing operation of the non-contact type IC card 80.

  First, when the non-contact type IC card 80 is brought close to the reader / writer 90 and communication is performed between the non-contact type IC card 80 and the reader / writer 90 (step S71: YES), the control unit 110 displays the pressure detection unit. It is determined whether or not the pressure detection signal transmitted from 360 has been detected (step S72).

  If it is determined in step S72 that the pressure detection signal has not been detected (step S72: NO), the control unit 110 does not transmit a payment enable signal to the reader / writer 90, and the payment amount is received from the reader / writer 90. Wait for it to be sent. Thereafter, when receiving the payment amount transmitted from the reader / writer 90 (step S73), the control unit 110 displays the payment amount on the display unit 140 (step S74), returns to step S71, and repeats the process.

  On the other hand, if it is determined in step S72 that a pressure detection signal has been detected (step S72: YES), the control unit 110 transmits a payment enable signal to the reader / writer 90, and a payment processing signal is transmitted from the reader / writer 90. Wait for it. Thereafter, when receiving the payment processing signal transmitted from the reader / writer 90 (step S76), the control unit 110 performs a payment process for subtracting the payment amount from the balance of the electronic money stored in the balance holding unit 150 (step S77). ), The process is terminated.

  Next, a detailed settlement processing operation of the reader / writer 90 will be described with reference to FIG. FIG. 14 is a flowchart for explaining the settlement processing operation of the reader / writer 90.

  First, a cash register is registered as advance preparation, and a payment method is set so as to perform electronic payment using the non-contact type IC card 80 (step S81).

  Then, when the non-contact type IC card 80 is brought close to the reader / writer 90 and communication is performed between the non-contact type IC card 10 and the reader / writer 20 (step S82: YES), the control unit 210 performs the non-contact type. It is determined whether or not a payment enable signal transmitted from the IC card 80 is detected (step S83).

  If it is determined in step S83 that a payment enable signal has not been detected (step S83: NO), the control unit 210 transmits the payment amount to the non-contact type IC card 10 (step S84).

  On the other hand, when it determines with having detected the payment possible signal in step S83 (step S83: YES), the control part 210 transmits a payment process signal with respect to the non-contact-type IC card 10 (step S85), and performs a process. finish.

  As described above, according to the settlement processing system according to the present embodiment, first, the non-contact type IC card is brought close to the reader / writer, and the first communication is performed between the non-contact type IC card and the reader / writer. Then, the payment amount is transmitted from the reader / writer to the non-contact type IC card, and this payment amount is displayed on the non-contact type IC card. Thereafter, a second communication is performed between the non-contact type IC card and the reader / writer, whereby a payment processing signal is transmitted from the reader / writer to the non-contact type IC card, and the payment processing of the non-contact type IC card is performed. Is called. Thus, since the user can confirm the payment amount on the non-contact type IC card side before the actual payment processing is performed, the reliability for electronic payment can be improved.

  Further, according to the payment processing system 2 according to the second embodiment and the payment processing system 4 according to the fourth embodiment, if a payment enable signal is not detected, the reader / writer 40 makes contactless IC card 30 (portable) Since the payment processing signal is not transmitted to the telephone 70), payment processing can be performed based on the user's intention to perform payment processing, and the unintended contactless IC card 30 (mobile phone 70) and reader / writer 40 It is possible to prevent the payment process from being performed by the communication.

  Further, according to the payment processing system 3 according to the third embodiment, when the payment information transmitted from the reader / writer 60 is detected in the non-contact type IC card 50, the balance of electronic money, the expected payment amount, and the post-payment Is sent to the reader / writer 60 and displayed. As described above, since the reader / writer 60 can check the balance of the electronic money, the planned payment amount and the planned balance after the payment before the payment process is performed, the reliability of the electronic payment can be improved. Can be improved.

  Moreover, according to the payment processing system 4 according to the fourth embodiment, by mounting the non-contact type IC 100 on the mobile phone 70, the mobile phone 70 has high-reliability electronic money in addition to the original function. Therefore, the range of use of the mobile phone 70 can be expanded.

  Further, according to the settlement processing system 5 according to the fifth embodiment, when the non-contact type IC card 80 is brought close to the reader / writer 90, whether or not the pressure detection signal is received (the pressure detection unit 360 is pressed). Depending on whether or not the payment amount is displayed on the non-contact type IC card 80 and the case where the payment process is performed. For this reason, the display of the payment amount and the payment process can be quickly selected and executed while preventing the payment process from being performed by the communication between the unintended non-contact type IC card 80 and the reader / writer 90.

  As mentioned above, although this invention was concretely demonstrated based on the embodiment, this invention is not limited to the said embodiment. For example, in the above-described embodiment, it has been described that the payable signal is transmitted from the reader / writer 40 to the non-contact type IC card 30 when the pressure detection signal is transmitted from the pressure detection unit 360. As long as it is possible to reflect the payment, the payment enable signal may be transmitted by any means. For example, a payable function may be assigned to a specific key (or a combination of keys), and a payable signal may be transmitted when the pressing is detected.

  In the above embodiment, the contactless IC card (mobile phone) has been described as displaying the payment amount transmitted from the reader / writer. However, any means can be used as long as it can notify the user of the payment amount. You may be notified. For example, the user may be notified of the payment amount by voice.

  In the third embodiment, in the first communication, the reader / writer 60 transmits a payment amount and a balance information request, and the contactless IC card 50 responds to reception of the payment amount and the balance information request. Although it has been described that the balance information is transmitted, for example, the reader / writer 60 transmits only the payment amount without transmitting the balance information request, and the non-contact type IC card transmits the balance information in response to reception of the payment amount. You may make it do. Further, for example, the reader / writer 60 reads the balance of the electronic money from the balance holding unit 150 of the non-contact type IC card 50 without transmitting the balance information, and the reader / writer 60 subtracts the payment from the read balance. The planned amount and the planned balance of electronic money after the payment process may be calculated and displayed on the display unit 220.

  Further, in the above embodiment, the non-contact type IC has been described as performing payment processing by subtracting electronic money. However, for example, the payment amount may be withdrawn afterwards, such as a credit function. It may be billed to the user.

1 is a system configuration diagram illustrating a payment processing system according to a first embodiment. It is a sequence diagram for demonstrating the payment processing operation of the payment processing system. It is a flowchart for demonstrating the payment processing operation | movement of a reader / writer. It is a flowchart for demonstrating the payment processing operation | movement of a non-contact-type IC card. It is a system configuration figure showing a settlement processing system concerning a 2nd embodiment. It is a flowchart for demonstrating the payment processing operation | movement of a non-contact-type IC card. It is a flowchart for demonstrating the payment processing operation | movement of a reader / writer. It is a system configuration figure showing a settlement processing system concerning a 3rd embodiment. It is a flowchart for demonstrating the payment processing operation | movement of a non-contact-type IC card. It is a flowchart for demonstrating the payment processing operation | movement of a reader / writer. It is a system configuration figure showing a settlement processing system concerning a 4th embodiment. It is a system configuration figure showing the settlement processing system concerning a 5th embodiment. It is a flowchart for demonstrating the payment processing operation | movement of a non-contact-type IC card. It is a flowchart for demonstrating the payment processing operation | movement of a reader / writer.

Explanation of symbols

1, 2, 3, 4, 5 ... Payment processing system, 100 ... Non-contact type IC, 20, 40, 60, 90 ... Reader / writer (non-contact type IC reader), 110 ... Control unit (payment processing means, payment information) Display processing means, payment enable signal transmission means, balance information transmission means), 110a ... payment processing section, 110b ... payment information display processing section, 110c ... payment enable signal transmission section, 110d ... balance information transmission means, 210 control section (payment) Information transmission means, payment processing signal transmission means), 210b ... payment information transmission means, 210c ... payment processing signal transmission means, 210d ... balance information request means, 710 ... control unit (payment processing means, payment information display processing means, payment possible) Signal transmission means), 710a... Payment processing unit, 710b... Payment information display processing unit, 710c.

Claims (6)

A non-contact type IC reader that performs wireless communication with a non-contact type IC and causes the non-contact type IC to perform payment processing,
Payment information transmitting means for transmitting payment information to the non-contact type IC upon detecting communication with the non-contact type IC;
After the payment information is transmitted by the payment information transmitting means, when the communication with the non-contact type IC is detected again, the payment processing signal for performing the payment processing of the payment information is transmitted to the non-contact type IC. Processing signal transmission means;
A non-contact type IC reader comprising:   2. The payment processing signal transmitting means transmits the payment processing signal to the non-contact type IC only when detecting a payment enable signal transmitted from the non-contact type IC. Non-contact type IC reader. A non-contact type IC that performs wireless communication with a non-contact type IC reader and performs payment processing,
Payment information display processing means for displaying payment information transmitted from the non-contact type IC reader upon detecting communication with the non-contact type IC reader;
After the payment information is displayed by the payment information display processing means, when communication with the contactless IC reader is detected again, the payment processing of the payment information is performed based on the payment processing signal transmitted from the contactless IC. Payment processing means for performing,
A non-contact type IC comprising:   When the payment information transmitted from the non-contact type IC reader is detected, the apparatus further comprises balance information transmitting means for transmitting at least one of a scheduled payment amount and a planned balance after payment processing to the non-contact type IC reader. The non-contact type IC according to claim 3. An electronic money payment method for electronic payment of a non-contact type IC that performs wireless communication with a non-contact type IC reader,
A payment amount information notifying step of notifying a user of at least one of a scheduled payment amount and a planned balance after payment processing upon detecting communication between the non-contact type IC and the non-contact type IC reader;
After the payment amount information notifying step, when the communication between the non-contact type IC and the non-contact type IC reader is detected again, a payment processing step for performing the payment processing of the payment amount to be paid,
A payment method for electronic money, comprising: 6. The electronic money settlement method according to claim 5, wherein, in the settlement processing step, the settlement processing is performed only when a payment permission signal permitting the settlement processing is detected.

Images