JP2009237973A - Issuance system, mobile information terminal, and issuance server - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a data issuance technology for simplifying procedure for allowing utilization of credit account settlement while maintaining safety in a mobile information terminal mounted with an IC card storing a member identification number for uniquely identifying a member of a cellphone service. <P>SOLUTION: A cellphone terminal 100 reads a license number from an IC license 400 by an NFC chip 106 and transmits it to a remote issuance server 200. The remote issuance server 200, upon receiving the license number, authenticates a user using this license number and a license number associated with a credit issuance data stored in an issuance database 201, and transmits the credit issuance data from which the license number is deleted, to the cellphone terminal 100 based on the authenticated result. The cellphone terminal 100 stores the credit issuance data received from the remote issuance server 200, in a USIM (universal subscriber identity module) 150. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an issuance system, a portable information terminal, and an issuance server related to issuance of transaction ticketing data for enabling transactions in a portable information terminal.

  2. Description of the Related Art Conventionally, mobile phones have been developed that allow various processing in an external processing device by mounting a non-contact IC (Integrated Circuit) chip on the mobile phone and communicating with the external processing device. . For example, there is a mobile phone that can perform electronic money payment processing or payment processing by credit card payment. In such a mobile phone, for example, credit ticketing data for enabling credit settlement is issued and written into an IC chip mounted on the mobile phone, thereby enabling use of credit settlement. Conventionally, however, various procedures have been performed from when a user applies for a service for enabling such processing until credit ticketing data is actually written to an IC chip and credit settlement can be used. Was necessary and time consuming. For this reason, in recent years, a technique has been developed in which the procedure up to the use of credit settlement is simplified while maintaining safety (see, for example, Patent Document 1).

JP 2007-206770 A

  In the technology of this Patent Document 1, an IC chip is mounted on a mobile phone, and credit ticketing data is written on this IC chip. In the technique of Patent Document 1, when writing credit ticketing data into an IC chip, it is necessary to input an ID and a password for user authentication, and these are notified to the user in advance by mail. For this reason, work such as printing the ID and password on a mount and enclosing them or arranging for mailing is necessary. For this reason, it has been desired to simplify the work while maintaining the safety of the portion related to user authentication.

  The present invention has been made in view of the above, and a portable information terminal on which an IC module storing a subscriber identification number for uniquely identifying a subscriber of a wireless communication service is mounted. It is an object of the present invention to provide an issuance system, a portable information terminal, and an issuance server that can simplify a procedure for enabling a used transaction while maintaining safety.

  In order to solve the above-described problems and achieve the object, an invention according to claim 1 is an IC (Integrated Circuit) module in which a subscriber identification number for uniquely identifying a subscriber of a wireless communication service is stored. An issuance system in which a first portable information terminal, which is mounted and capable of realizing a non-contact communication function, and an issuance server are connected via a network, the first portable information terminal includes the first portable information terminal. Information reading means for reading information from a second portable information terminal having an IC chip capable of storing information for guaranteeing that the user is a user of the portable information terminal and capable of non-contact communication, and read by the reading means Information transmitting means for transmitting the information to the issuing server, and a data receiver for receiving transaction ticketing data for enabling a transaction using the IC module from the issuing server Storage means for storing the transaction ticketing data received by the data receiving means in the IC module, and the issuing server stores storage means for storing the transaction ticketing data associated with the information. The information receiving means for receiving the information transmitted by the transmitting means, the information received by the information receiving means, and the information associated with the transaction ticketing data stored in the storage means are collated. It is characterized by having a verification means and a data transmission means for transmitting the transaction ticketing data to the first portable information terminal when the information matches as a result of the verification by the verification means.

  Further, the invention according to claim 2 is equipped with an IC (Integrated Circuit) module storing a subscriber identification number for uniquely identifying a wireless communication service subscriber, and can realize a non-contact communication function. Is a portable information terminal, which is data for enabling transactions using the IC module, and stores transaction ticketing data associated with information for assuring that the user is a user of the portable information terminal An information reading unit connected to the issuing server via the network and reading the information from another portable information terminal having an IC chip storing the information and capable of non-contact communication by a non-contact communication function; and the information reading unit Information transmitting means for transmitting the information read out to the issuing server; and data receiving means for receiving the transaction ticketing data from the issuing server; And having a storage means for storing the transaction for ticket issuing data to which the data received by the receiving means in the IC module.

  Further, the invention according to claim 3 is the invention according to claim 2, wherein a predetermined program for controlling acquisition of the transaction ticketing data and storage of the transaction ticketing data in the IC module is received from the issuing server. Program receiving means, and executing means for executing the predetermined program received by the program receiving means, and according to the predetermined program executed by the executing means, the information receiving means, the information transmitting means, The data receiving means and the storage means function.

  According to a fourth aspect of the invention, there is provided an NFC (Near Field Communication) chip for realizing a non-contact communication function in the second or third aspect of the invention, wherein the information reading means is realized by the NFC chip. The information is read from the second portable information terminal by a non-contact communication function.

  The invention according to claim 5 is the invention according to any one of claims 2 to 4, wherein the IC module is detachably attached to the first portable information terminal.

  The invention according to claim 6 is the invention according to any one of claims 2 to 5, wherein the second portable information terminal has an IC chip that stores a license number and has an IC chip capable of non-contact communication. It is a license, and the information reading means reads the license number as the information from the IC license by a non-contact communication function.

  The invention according to claim 7 is equipped with an IC (Integrated Circuit) module in which a subscriber identification number for uniquely identifying a subscriber of a wireless communication service is stored, and can realize a non-contact communication function. An issue server connected to the first portable information terminal via a network, and is data for enabling a transaction using the IC module, and is a user of the first portable information terminal The first portable information terminal from a second portable information terminal having storage means for storing transaction ticketing data associated with the information for guaranteeing the information, and an IC chip capable of storing the information and capable of non-contact communication Information receiving means for receiving the information read by the non-contact communication function, the information received by the information receiving means, and the transaction ticketing data stored in the storage means Collating means for collating the linked information, and data transmitting means for transmitting the transaction ticketing data to the first portable information terminal when the information matches as a result of collation by the collating means. It is characterized by having.

  The invention according to claim 8 is the invention according to claim 7, wherein the storage means controls acquisition of the transaction ticketing data in the portable information terminal and storage of the transaction ticketing data in the IC module. And a program transmitting means for further storing the predetermined program to be transmitted and transmitting the predetermined program stored in the storage means to the first portable information terminal.

  The invention according to claim 9 is the server of the credit issuer that provides the service in the invention according to claim 7 or 8, and is associated with the information on the basis of an application content for use of a transaction using an IC module. Connected to the credit server that generates the issued ticketing data for transaction, receiving means for receiving the transaction ticketing data associated with the information from the credit server, and associated with the information received by the receiving means The storage control means for storing the transaction ticket issuing data in the storage means.

  According to the present invention, in a portable information terminal in which an IC module storing a subscriber identification number for uniquely identifying a subscriber of a wireless communication service is mounted, a transaction using the IC module is enabled. The procedure can be simplified while maintaining safety.

  Exemplary embodiments of an issuing system, a portable information terminal, and an issuing server according to the present invention will be explained below in detail with reference to the accompanying drawings.

[Embodiment]
(1) Configuration <Configuration of issuing system>
FIG. 1 is a diagram illustrating a configuration of an issuing system according to the present embodiment. As shown in the figure, in the issuing system, the mobile phone terminal 100 and the remote issuing server 200 communicate via an IP (Internet Protocol) network NT. The remote issuance server 200 is a server for providing the mobile phone terminal 100 with credit ticketing data for enabling the use of credit settlement, and has a ticketing DB 201 for storing credit ticketing data associated with the license number. . The credit server 300 is a server of a credit issuer that provides a service, and includes a customer management DB 301 that stores information (subscriber data) of subscribers of the credit service for each subscriber. The remote issue server 200 and the credit server 300 communicate via a dedicated line or an arbitrary line.

  Further, the mobile phone terminal 100 has an NFC chip 106 having a non-contact communication function, and communicates with the IC license 400 in which an IC chip in which a license number is stored is stored by this non-contact communication function. The license number is read from the IC license. Then, the cellular phone terminal 100 transmits the read license number to the remote issuing server 200 via the IP network NT. From the remote issuing server 200, the cellular phone terminal 100 receives a credit program and credit ticket issuing data, which will be described later, which are predetermined programs. Further, a USIM (Universal Subscriber Identity Module) 150 is detachably attached to the mobile phone terminal 100, and the mobile phone terminal 100 stores the credit issuance data received from the remote issuing server 200 in the USIM 150.

  Note that communication between the mobile phone terminal 100 and the remote issuing server 200 is performed using a frequency band (for example, 800 MHz band or 1.5 GHz band) assigned in advance to provide a mobile phone service. The IP network NT is a network for performing communication according to the Internet protocol in such a frequency band. On the other hand, communication in the non-contact communication function of the NFC chip 106 is performed using a frequency band (for example, 13.56 MHz band) assigned in advance for non-contact communication. Non-contact communication is, for example, wireless communication with a communication distance up to about 10 cm, as standardized by the ISO 14443 standard.

  The remote issuance server 200 acquires in advance the credit ticketing data associated with the license number from the credit server 300 and stores it in the ticketing DB 201 for each subscriber. The remote issuing server 200 stores a credit application that controls acquisition of credit ticketing data in the mobile phone terminal 100 and storage in the USIM 150. Then, in response to a request from the mobile phone terminal 100, the remote issuing server 200 transmits a credit application to the mobile phone terminal 100. Further, when the remote issuance server 200 receives the license number transmitted from the mobile phone terminal 100, the remote issuance server 200 collates this with the license number associated with the credit ticketing data stored in the ticketing DB 201, Authenticate the user. Then, the remote issuance server 200 transmits credit ticketing data to the mobile phone terminal 100 based on the authentication result. That is, the remote issuing server 200 has a storage unit and functions as a program transmission unit, a number reception unit, a collation unit, and a data transmission unit. These functions are realized by the remote issuing server 200 executing a program stored in a storage device or storage medium (not shown).

  The credit server 300 provides credit ticketing data to the remote issuing server 200 in advance. Specifically, the credit server 300 generates credit issuance data associated with the license number based on the subscriber data stored in the customer management DB 301 and transmits it to the remote issuing server 200. This subscriber data is generated based on the application contents handed over to the credit issuer when the user applies for the credit service, and is stored in the customer management DB 301. The credit server 300 generates credit ticketing data by appropriately editing such subscriber data, and transmits the credit ticketing data associated with the license number to the remote issuing server 200. Details of the application contents and subscriber data will be described in detail in the operation column described later.

<Configuration of mobile phone terminal>
Next, the mobile phone terminal 100 will be described. FIG. 2 is a front view showing an outline of the configuration of the mobile phone terminal 100. As shown in the figure, the mobile phone terminal 100 includes a rod antenna 102, a non-contact communication antenna 103, a display unit 104, and an input unit 105. In addition, the mobile phone terminal 100 includes a control unit 101, an NFC chip 106, a USIM mounting unit 107, and a storage unit (not shown).

  The rod antenna 102 is an antenna that receives radio waves in communication using a mobile phone communication function. The non-contact communication antenna 103 is an antenna that receives radio waves during near field communication using the NFC chip 106, and is formed of a copper wire coil having two to three turns. As shown in FIG. 2, the non-contact communication antenna 103 can be wired around the inside of the casing of the mobile phone terminal 100 or can be wired around the NFC chip 106. The display unit 104 is configured by a color liquid crystal display or the like, and displays various types of information under the control of the control unit 101. The input unit 105 is configured by arranging operation keys, operation buttons, and the like, receives various instruction inputs from the user, and passes them to the control unit 101.

  The USIM mounting unit 107 is a card socket for detachably mounting the USIM 150, and has a connection line (not shown) connected to the NFC chip 106. The USIM 150 mounted on the USIM mounting unit 107 and the NFC chip 106 can communicate with each other via this connection line. The NFC chip 106 also has a reader / writer function for reading and writing data with respect to a communication partner. In the present embodiment, the NFC chip 106 reads out a license number from an IC license capable of contactless communication under the control of the control unit 101, and passes it to the control unit 101 of the mobile phone terminal 100.

  The storage unit is configured by a flash memory, for example, and stores various data and various programs. The control unit 101 includes a CPU, a ROM, and a RAM. The CPU executes various programs stored in the ROM and the storage unit, thereby controlling the entire mobile phone terminal 100 and realizing various functions. In addition, although not particularly illustrated, the mobile phone terminal 100 includes various elements necessary for realizing a mobile phone communication function, such as a microphone and a speaker.

  Here, functions unique to the present embodiment among various functions realized in the mobile phone terminal 100 will be described. The control unit 101 communicates with the remote issuing server 200 in response to an instruction input from the user in the input unit 105. When receiving the credit application from the remote issuing server 200, the control unit 101 stores the credit application in the storage unit. Further, in response to an instruction input for instructing activation of the credit application, the control unit 101 reads out and executes this from the storage unit, and displays a message prompting the proximity of the IC license to the mobile phone terminal 100 on the display unit 104. Display. Then, when the control unit 101 reads the license number from the IC license via the NFC chip 106, the control unit 101 transmits the license number to the remote issuing server 200. Then, when receiving the credit issuance data from the remote issuing server 200, the control unit 101 instructs the USIM 150 to store the credit issuance data and causes the USIM 150 to store the data. That is, the mobile phone terminal 100 functions as a program receiving unit and an executing unit, and functions as an information reading unit, an information transmitting unit, a data receiving unit, and a storage control unit as an executing unit.

<Configuration of USIM>
Next, the configuration of the IC chip 151 included in the USIM 150 will be described with reference to FIG. As shown in the figure, the IC chip 151 includes an application unit 152, an application controller unit 153, and a data storage unit 154.

  The application unit 152 stores an operating system (OS) for controlling the entire USIM 150 and various application programs for realizing a non-contact communication function. The application controller unit 153 executes various application programs stored in the application unit 152 in accordance with instructions from the mobile phone terminal 100 to realize various functions. In particular, in the present embodiment, the application controller unit 153 receives the credit issuance data received from the remote issuing server 200 by the mobile phone terminal 100 in response to an instruction from the mobile phone terminal 100 that operates in accordance with the credit application. The data is stored in the storage unit 154.

  The data storage unit 154 stores various data used when executing the application stored in the application unit 152, a protocol (SWP) for communication with the NFC chip 106, and a subscriber of the wireless communication service. A subscriber identification number (IMSI: International Mobile Subscriber Identity) for uniquely identifying, an ICCID that can uniquely identify the USIM 150, a mobile phone number assigned to the subscriber, a serial number and a secret key of the USIM 150, etc. Is remembered. The data storage unit 154 stores the above-described credit ticket issuing data.

(2) Operation <Preparation of credit ticketing data>
An outline of processing until credit ticketing data is stored in the ticketing DB 201 of the remote issuing server 200 in the above configuration will be described. First, the user applies to the credit issuer to start using credit settlement using the USIM 150. At this time, the user may fill in the application content on the application form and pass it to the credit issuer. You may make it transmit to the credit server 300. FIG. For example, as shown in FIG. 4, the application content includes the name, address, and license number as the user's personal information, and includes the credit card number, expiration date, limit amount, etc. as the credit card information. . In the credit issuer, examination is performed based on such application contents, subscriber data as illustrated in FIG. 5 is generated, and stored in the customer management DB 301. The application contents entered on the application form are converted into data by key punch input or the like, and subscriber data is generated. And the credit server 300 edits the subscriber data memorize | stored in customer management DB301 suitably, produces | generates credit ticketing data as data required in order to perform credit payment, and memorize | stores it in ticketing DB201. The credit issuance data includes a name, an address, a credit card number, an expiration date, and a limit amount as illustrated in FIG. The credit ticket issuing data is associated with a license number. The credit server 300 transmits credit ticketing data associated with the license number to the remote issuing server 200 in this way. When the remote issuance server 200 receives the credit ticketing data associated with the license number, the remote issuance server 200 edits the data into a predetermined data format and stores it in the ticketing DB 201.

<Download credit ticketing data>
Next, a procedure of processing in which the mobile phone terminal 100 acquires credit ticketing data stored in the remote issuing server 200 as described above will be described with reference to FIG. First, when the user operates the mobile phone terminal 100 to input an instruction for instructing downloading of the credit application, the mobile phone terminal 100 accepts the instruction input, and the remote issuing server 200 receives the credit application. A request message for requesting transmission is transmitted (step S1). Upon receiving the request message, the remote issuing server 200 transmits a credit application to the mobile phone terminal 100 (step S2). When the mobile phone terminal 100 receives the credit application from the remote issuing server 200, the mobile phone terminal 100 stores it in the storage unit (step S3).

  Thereafter, when the user operates the mobile phone terminal 100 to input an instruction for instructing activation of the credit application, the mobile phone terminal 100 accepts the instruction input, reads the credit application from the storage unit, and activates it. (Step S4). Then, according to the credit application, the mobile phone terminal 100 displays a message on the display unit 104 that prompts the IC license 400 to approach the mobile phone terminal 100. When the user brings the IC license close to the mobile phone terminal 100, the mobile phone terminal 100 reads the license number stored in the IC license 400 by the non-contact communication function of the NFC chip 106. Then, the cellular phone terminal 100 transmits the read license number to the remote issuing server 200 (step S5).

  When the remote issuance server 200 receives the license number from the mobile phone terminal 100, the remote issuance server 200 authenticates the user by comparing this with the license number associated with the credit ticketing data stored in the ticketing DB 201. (Step S6). If these license numbers match (step S7), the remote issuance server 200 transmits credit issuance data to the mobile phone terminal 100 on the assumption that the user authentication is successful (step S8). When the mobile phone terminal 100 receives the credit issuance data (step S9), it instructs the USIM 150 to store the credit issuance data in accordance with the credit application. The USIM 150 stores credit issuance data in response to the instruction (step S10). As a result, the user can use credit settlement with the mobile phone terminal 100 to which the USIM 150 is attached.

  As described above, by authenticating the user using the license number stored in the IC license, it is surely authenticated whether or not the person who conducts the transaction on the mobile phone terminal 100 is really the person who should use it. It is possible to perform this authentication securely, and it is not necessary to perform operations such as printing the ID and password on a mount and mailing them to the user as in the conventional case. For this reason, the procedure for enabling the use of credit settlement can be simplified while maintaining safety.

  Moreover, versatility can be improved by writing credit ticketing data in the USIM 150 that is detachably attached to the mobile phone terminal 100. Further, the user can use credit settlement without depending on the mobile phone terminal 100. For this reason, for example, when changing the model of the mobile phone terminal 100, it is not necessary to newly acquire or transfer credit ticketing data in a new mobile phone terminal, thereby improving user convenience. it can.

(3) Modifications Note that the present invention is not limited to the above-described embodiments as they are, and can be embodied by modifying the components without departing from the scope of the invention in the implementation stage. Moreover, various inventions can be formed by appropriately combining a plurality of constituent elements disclosed in the embodiment. For example, some components may be deleted from all the components shown in the embodiment. Furthermore, constituent elements over different embodiments may be appropriately combined. Further, various modifications as exemplified below are possible.

  In the above-described embodiment, the mobile phone terminal 100 is applied as the mobile information terminal. However, the present invention is not limited to this, and can also be applied to a PDA (Personal Digital Assistant) or the like.

  In the above-described embodiment, a hash value of a license number may be used for user authentication instead of the license number itself. In this case, the credit server 300 and the remote issuing server 200 hold the same hash function. Then, the credit server 300 calculates a hash value from the license number included in the application content by a hash function, generates credit ticketing data in association with the hash value, and stores it in the customer management DB 301. Then, the credit ticketing data associated with the hash value is transmitted from the credit server 300 to the remote issuing server 200 and stored in the ticketing DB 201. In addition, the mobile phone terminal 100 calculates the hash value of the license number read from the IC license 400 using the hash function described above, and transmits it to the remote issuing server 200 via the IP network NT. Then, the remote issue server 200 authenticates the user by comparing the hash value received from the mobile phone terminal 100 via the IP network NT with the hash value associated with the credit ticket issuing data.

  According to such a configuration, the license number itself is not transmitted, so that the personal information of the user is protected, and whether or not the person who transacts with the mobile phone terminal 100 is really the person who should actually use is securely and safely. It becomes possible to authenticate. For this reason, security can be improved.

  Further, the license number may be encrypted, and the mobile phone terminal 100 may transmit the encrypted license number to the remote issuing server 200. Such a configuration can also improve security.

  In the above-described embodiment, the credit issuance data includes, in addition to the information shown in FIG. 6, various commands and various key information for performing credit settlement and storing the application in the USIM 150. Also good.

  In the above-described embodiment, the credit application may be stored in the ticketing DB 201 in the same manner as the credit ticketing data, or the credit application and the credit ticketing data may be stored in separate storage devices. good. Further, as a credit application form, Midlet (registered trademark) used in JAVA (registered trademark) is also applicable.

  In the above-described embodiment, the remote issuing server 200 stores the credit application and transmits it to the mobile phone terminal 100. However, the remote issuing server 200 does not store the credit application, but another server (application server) stores the credit application, and the remote issuing server 200 determines the storage location of the credit application in the application server. A URL (Uniform Resource Locator) indicated may be transmitted to the portable information terminal 100. In this case, the portable information terminal 100 uses the URL received from the remote issue server 200 to download the credit application from the application server.

  In the above-described embodiment, the license number is used as information for assuring that the user is the user of the mobile phone terminal 100, but is not limited thereto. In addition, an IC license is used as a portable information terminal having an IC chip capable of storing this information and capable of non-contact communication. It may be a card or a device on which an IC chip that can be mounted is mounted.

  In the above embodiment, credit settlement is handled as a transaction using an IC module, and credit ticketing data is handled as a transaction ticketing data for enabling a transaction using an IC module. The data is not limited to these.

It is a figure which illustrates the composition of the issue system concerning this embodiment. It is a front view which shows schematic structure of the mobile telephone terminal 100 concerning the embodiment. It is a figure which illustrates the structure of IC chip 151 which USIM150 concerning the embodiment has. It is a figure which illustrates the application contents concerning the embodiment. It is a figure which illustrates subscriber data concerning the embodiment. It is a figure which illustrates credit ticketing data concerning the embodiment. It is a flowchart which shows the procedure of the process in which the mobile telephone terminal 100 acquires the credit ticket issue data memorize | stored in the remote issue server 200 concerning the embodiment.

Explanation of symbols

100 Mobile phone terminal 101 Control unit 102 Rod antenna 103 Non-contact communication antenna 104 Display unit 105 Input unit 106 NFC chip 107 USIM mounting unit 150 USIM
151 IC chip 152 Application unit 153 Application controller unit 154 Data storage unit 200 Remote issue server 201 Ticketing DB
300 Credit server 301 Customer management DB
400 IC license NT IP network

Claims (9)

A first portable information terminal having an IC (Integrated Circuit) module storing a subscriber identification number for uniquely identifying a wireless communication service subscriber and capable of realizing a non-contact communication function; Issuing system in which a server is connected via a network,
The first portable information terminal stores information for guaranteeing that it is a user of the first portable information terminal and receives the information from a second portable information terminal having an IC chip capable of non-contact communication. Information reading means for reading;
Information transmitting means for transmitting the information read by the information reading means to the issuing server;
Data receiving means for receiving transaction ticketing data for enabling a transaction using the IC module from the issuing server;
Storage means for storing the transaction ticketing data received by the data receiving means in the IC module;
The issuing server is
Storage means for storing the transaction ticketing data associated with the information;
Information receiving means for receiving the information transmitted by the transmitting means;
Collating means for collating the information received by the information receiving means with the information associated with the transaction ticketing data stored in the storage means;
An issuing system comprising: a data transmitting unit configured to transmit the transaction ticketing data to the first portable information terminal when the information matches as a result of the verification by the verification unit. A portable information terminal equipped with an IC (Integrated Circuit) module storing a subscriber identification number for uniquely identifying a subscriber of a wireless communication service and capable of realizing a contactless communication function,
Via an issue server and a network for storing transaction ticketing data associated with data for enabling a transaction using the IC module and assuring that the user is a user of the portable information terminal Connected,
Information reading means for reading the information from another portable information terminal having an IC chip capable of storing the information and capable of non-contact communication by a non-contact communication function;
Information transmitting means for transmitting the information read by the information reading means to the issuing server;
Data receiving means for receiving the transaction ticketing data from the issuing server;
A portable information terminal comprising storage means for storing the transaction ticketing data received by the data receiving means in the IC module. A program receiving means for receiving a predetermined program for controlling acquisition of the ticketing data for transaction and storage of the ticketing data for transaction in the IC module;
Execution means for executing the predetermined program received by the program receiving means;
The portable information terminal according to claim 2, wherein the information receiving unit, the information transmitting unit, the data receiving unit, and the storage unit function according to the predetermined program executed by the executing unit. It has an NFC (Near Field Communication) chip that realizes a non-contact communication function,
The portable information terminal according to claim 2 or 3, wherein the information reading unit reads the information from the second portable information terminal by a non-contact communication function realized by the NFC chip. The portable information terminal according to any one of claims 2 to 4, wherein the IC module is detachably attached to the first portable information terminal. The second portable information terminal is an IC license having an IC chip for storing a license number and capable of contactless communication;
6. The portable information terminal according to claim 2, wherein the information reading unit reads the license number as the information from the IC license by a non-contact communication function. An IC (Integrated Circuit) module storing a subscriber identification number for uniquely identifying a subscriber of a wireless communication service is mounted, and a first portable information terminal and a network capable of realizing a contactless communication function are provided. Issuing server connected via,
Storage means for storing transaction ticketing data associated with information for enabling a transaction using the IC module and ensuring that the user is a user of the first portable information terminal;
Information receiving means for receiving the information read by the first portable information terminal by a non-contact communication function from a second portable information terminal having an IC chip capable of storing the information and capable of non-contact communication;
Collating means for collating the information received by the information receiving means with the information associated with the transaction ticketing data stored in the storage means;
An issuing server comprising: data transmitting means for transmitting the transaction ticketing data to the first portable information terminal when the information matches as a result of the collation by the collating means. The storage means further stores a predetermined program for controlling acquisition of the transaction ticketing data in the portable information terminal and storage of the transaction ticketing data in the IC module,
8. The issuing server according to claim 7, further comprising a program transmission unit that transmits the predetermined program stored in the storage unit to the first portable information terminal. A server of a credit issuer that provides a service, and is connected to a credit server that generates the transaction ticketing data associated with the information based on an application for using a transaction using an IC module;
Receiving means for receiving the transaction ticketing data associated with the information from the credit server;
The issuing server according to claim 7 or 8, further comprising the storage control unit that stores the transaction ticketing data associated with the information received by the receiving unit in the storage unit.

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