JP2012088952A - Portable terminal, payment system, payment method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To determine necessity of user authentication without requiring a user to register a use condition in advance.SOLUTION: This invention is applied to a portable terminal which loads a non-contact IC card and performs payment by using the non-contact IC card. The portable terminal has: a memory in which card user information including attribute information of a user of the portable terminal and use history information of the non-contact IC card are registered; and a determination unit for calculating use condition permitting use of the non-contact IC card based on the card user information before performing payment by using the non-contact IC card, and determining necessity of user authentication according to whether the non-contact IC card has been used under the calculated use condition.

Description

  The present invention relates to a technique for determining whether or not user authentication is necessary before making a payment using a non-contact IC card in a mobile terminal such as a mobile phone device.

  Currently, there are many mobile phone devices equipped with a non-contact IC card and equipped with a function (credit card function and electronic money function) for making payment using the non-contact IC card. The product can be purchased using the non-contact IC card at the store.

  However, if the mobile phone device is stolen, the contactless IC card may be used without permission by the theft.

  As a method for preventing this, for example, there is a settlement function using a non-contact IC card by remotely operating a mobile phone device and a method of stopping all functions of the mobile phone device.

  However, since the above method cannot be performed unless the user is aware of the theft, a contactless IC card may be used by the theft until the usage limit is reached before the user stops the function. There is also.

  In addition, when using a credit card, user authentication may be unnecessary depending on the service of the credit card company or a contract with a partner store. In principle, user authentication is performed using a signature, password, etc. Is required.

  For example, as an example of user authentication based on a signature, there is a method described in Patent Document 1. In this method, the user's signature is registered in the IC card when the IC card is issued. When the user uses the IC card, the IC card is inserted into the IC card reader and a signature is made on the tablet connected to the IC card reader. The IC card reader collates the user's signature with the signature registered in the IC card, and makes a settlement using the IC card if they match. As a result, only the user who has registered the signature can use the IC card.

  As another example of user authentication, there is a method of using biometric information such as a user's fingerprint instead of a signature or a password. In this method, the biometric information of the user is registered in the IC card, and the biometric information is input when the user uses the IC card.

JP 2000-163533 A Japanese Patent No. 4192864 JP 2006-350450 A

  However, in the above-described method, when the IC card is used as electronic money, it is necessary to perform user authentication every time.

  Therefore, in Patent Document 2, in a mobile terminal equipped with a non-contact IC card, usage conditions for allowing the user to use the non-contact IC card (use location, use time zone, and use of the non-contact IC card) Content) is registered in advance, and before settlement, a method is described in which whether or not user authentication is necessary is determined based on whether or not a non-contact IC card is to be used under pre-registered usage conditions. According to this method, even when the portable terminal is stolen, the non-contact IC card cannot be used without permission, so that the user authentication is performed every time even when the non-contact IC card is used as electronic money while having a security effect. There is no need. However, there is a problem that the user needs to register the use conditions in advance and is troublesome.

  Patent Document 3 describes a method of registering a store location (location information) in advance as a use condition for each IC card method such as electronic money or credit card. However, even in this method, as in Patent Document 2, the user himself / herself needs to register usage conditions in advance.

  SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to solve the above-described problems and allow a mobile terminal, a payment system, a payment method, and a program that can determine whether or not user authentication is necessary without registering usage conditions in advance. Is to provide.

The first portable terminal of the present invention is
A portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
A memory in which card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card is registered;
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. A determination unit that determines whether or not user authentication is necessary according to whether or not the user is used.

The second portable terminal of the present invention is
A portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
A memory in which a use condition for permitting use of the non-contact IC card transmitted from an external server is registered;
A determination unit that determines whether or not user authentication is necessary according to whether or not a non-contact IC card is used under the registered use conditions before making a payment using the non-contact IC card; Have

The first settlement system of the present invention is:
A payment system including a non-contact IC card and a portable terminal that performs payment using the non-contact IC card,
The portable terminal is
Register card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card,
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. Whether or not user authentication is necessary is determined according to whether or not it is used.

The second settlement system of the present invention is:
A payment system including a non-contact IC card, a portable terminal that performs payment using the non-contact IC card, and an external server,
The external server is
Register card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card,
Based on the card user information, calculate usage conditions permitting the use of the contactless IC card,
Send the calculated usage conditions to the mobile terminal,
The portable terminal is
Register the use conditions sent from the external server,
Before making a payment using the non-contact IC card, whether or not user authentication is necessary is determined according to whether or not the non-contact IC card is used under the registered use conditions.

The first settlement method of the present invention is:
A payment method using a portable terminal that is equipped with a non-contact IC card and performs payment using the non-contact IC card,
Registering card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card;
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. And determining whether or not user authentication is necessary depending on whether or not the user is using.

The second settlement method of the present invention is:
A payment method using a portable terminal that is equipped with a non-contact IC card and performs payment using the non-contact IC card,
Registering a use condition transmitted from an external server and permitting use of the contactless IC card;
Determining whether or not to require user authentication according to whether or not a non-contact IC card is used under the registered use conditions before making a payment using the non-contact IC card; Have.

The first program of the present invention is:
In a portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
Processing for registering card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card;
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. And a process of determining whether or not user authentication is necessary depending on whether or not the user is used.

The second program of the present invention is:
In a portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
A process of registering a use condition permitting use of the non-contact IC card transmitted from an external server;
A process of determining whether or not user authentication is necessary according to whether or not a non-contact IC card is used under the registered use conditions before making a payment using the non-contact IC card. Let it run.

  The first portable terminal of the present invention calculates a use condition based on card user information before making a payment using a non-contact IC card, and uses the non-contact IC card under the calculated use condition. Whether or not user authentication is necessary is determined according to whether or not there is.

  The second portable terminal of the present invention registers the use conditions transmitted from the external server, and uses the contactless IC card under the registered use conditions before making a payment using the contactless IC card. Whether or not user authentication is necessary is determined according to whether or not the user authentication is performed.

  Therefore, there is an effect that the user can determine whether or not the user authentication is necessary without registering the usage conditions in advance.

It is a figure which shows the structure of the payment system of the 1st Embodiment of this invention. It is a block diagram which shows the structure of the mobile telephone apparatus shown in FIG. 3 is a flowchart for explaining an operation at the time of settlement of the mobile phone device shown in FIG. 1. It is a flowchart explaining a specific example of the use condition determination process in step A300 shown in FIG. It is a flowchart explaining the other specific example of the use condition determination process in step A300 shown in FIG. It is a figure which shows the structure of the payment system of the 2nd Embodiment of this invention. It is a sequence diagram explaining the operation | movement at the time of the payment of a related payment system. It is a sequence diagram explaining the operation | movement at the time of the payment of the payment system shown in FIG.

EMBODIMENT OF THE INVENTION Below, the form for implementing this invention is demonstrated with reference to drawings.
(1) First Embodiment FIG. 1 is a diagram showing a configuration of a payment system of this embodiment.

  As shown in FIG. 1, the settlement system according to the present embodiment is installed in a mobile phone device 200 equipped with a contactless IC card and a ticket gate of a store or a station, and reads the contactless IC card by short-range wireless communication. And an IC card reader / writer device 100 capable of writing.

  Each of the IC card reader / writer device 100 and the mobile phone device 200 has a built-in wireless unit capable of short-range wireless communication. The data read from the non-contact IC card and the data written to the non-contact IC card are short-range wireless. Send and receive each other by communication.

  FIG. 2 is a diagram showing a simplified configuration of a portion related to the present invention in the mobile phone device 200.

  As shown in FIG. 2, the cellular phone device 200 of this embodiment includes a CPU 201, an operation unit 202, a display unit 203, a control unit 204, a sensor unit 205, a speaker 206, a microphone 207, and a memory 208. And a non-contact IC unit 209 and a wireless unit 210.

  The CPU 201 performs various operation controls (commands).

  The operation unit 202 is a part for a user to input various operations.

  The display unit 203 is a liquid crystal display that displays various types of information.

  For example, the CPU 201 displays input information or the like on the display unit 203 in accordance with an input from the operation unit 202.

  The control unit 204 performs various controls.

  The sensor unit 205 includes a GPS processing unit 205a that measures the current position of the mobile phone device 200 based on radio waves from GPS satellites.

  The speaker 206 outputs sound, and the microphone 207 collects sound.

  The memory 208 includes an authentication information management unit 208a for registering and managing authentication information used for user authentication such as a password and a fingerprint, user attribute information (user name and user address), and contactless IC card use history. A usage information management unit 208b that registers and manages "card user information" including information (past usage information).

  The non-contact IC unit 209 includes one or more non-contact IC cards such as a credit card, an electronic money card, a transportation commuter pass, and a prepaid card.

  The wireless unit 210 includes a wireless signal antenna 210 a and performs short-range wireless communication with the IC card reader / writer device 100.

  In addition, when the user attempts to make a payment using a non-contact IC card, the CPU 201 permits the use of the non-contact IC card based on the “card user information” registered in the use information management unit 208b. A determination unit 201 a that calculates “use conditions” and determines whether or not user authentication is necessary according to whether or not a non-contact IC card is used in the calculated “use conditions”.

  Hereinafter, an operation at the time of settlement of the mobile phone device 200 according to the present embodiment will be described with reference to FIG. 3 by taking as an example a case where a user purchases a product at a store using an electronic money card.

  As shown in FIG. 3, when a user tries to purchase a product at a store, the user holds the non-contact IC unit 209 of the mobile phone device 200 against the IC card reader / writer device 100 installed at the store. Then, an electronic money card is used (step A100).

  Next, the determination unit 201a in the CPU 201 selects “use information”: “use card”, “use place (location information)”, “use time”, “product content (use content)”, “purchase amount (use amount). ) ”Is acquired (step A200). At this time, the “use card” is obtained from the non-contact IC unit 209, the “use place (position information)” is obtained from the GPS processing unit 205a, and the “use time” is not shown in the mobile phone device 200. Acquired from the timepiece unit, “product content (use content)” and “purchase amount (use amount)” are obtained from the IC card reader / writer device 100 via the non-contact IC unit 209.

  Next, the determination unit 201a registers “card user information” registered in the usage information management unit 208b: “user name”, “registration card”, “user address”, “registration card usage history (past “Usage condition” ”is calculated based on“ Usage information ”, and it is determined whether or not“ Usage information ”matches the calculated“ Usage condition ”(step A300).

  In step A300, when the “usage condition” is met, the determination unit 201a determines that user authentication is unnecessary (step A400). In this case, the determination unit 201a outputs a payment processing instruction to the electronic money card, and can be used to purchase a product without user authentication based on authentication information such as a password or fingerprint registered in the authentication information management unit 208a. Make payment processing.

  On the other hand, when the “use condition” is not met in step A300, the determination unit 201a determines that user authentication is necessary (step A500). In this case, the determination unit 201a displays on the display unit 203 that the product cannot be purchased unless user authentication is performed. In addition, after the user authentication is performed, the determination unit 201a outputs a settlement processing command to the electronic money card to perform a settlement process for purchasing a product. For this reason, the user cannot purchase a product without performing user authentication. Note that user authentication may be performed by either the IC card reader / writer device 100 or the mobile phone device 200.

  Thereafter, the determination unit 201a registers “use information” as “registered card use history (past use information)” of “card user information” of the use information management unit 208b (step A600).

  Here, a specific example of the use condition determination process in step A300 will be described with reference to FIG. 4 taking as an example a case where a user purchases a product at a store using an electronic money card.

  As shown in FIG. 4, first, the determination unit 201a calculates “purchase amount (use amount)” of “registered card use history (past use information)” of “card user information” in the use information management unit 208b. Based on this, the average amount of the past “purchase amount (use amount)” is calculated as “use condition” (step A301). At this time, for example, an average amount of “purchase amount (utilization amount)” within a predetermined period in the past is calculated.

  Next, the determination unit 201a determines whether the “purchase amount (use amount)” of the “use information” is equal to or less than the average amount calculated above (step A302).

  If the “purchase amount (use amount)” of “use information” is higher than the average amount in step A302, the determination unit 201a determines in step A500 that user authentication is necessary.

  On the other hand, when the “purchase amount (use amount)” of “use information” is equal to or less than the average amount in step A302, the determination unit 201a subsequently stores the “card user information” in the use information management unit 208b. Based on “user address (position information)”, a predetermined range centered on the user address is calculated as “use condition” (step A303).

  Next, the determination unit 201a determines whether the “use location (position information)” of the “use information” is within the predetermined range calculated above (step A304).

  In step A304, when “use place (location information)” of “use information” is outside the predetermined range, the determination unit 201a determines in step A500 that user authentication is necessary.

  On the other hand, when “use location (location information)” of “use information” is within the predetermined range in step A304, the determination unit 201a determines in step A400 that user authentication is unnecessary.

  Subsequently, with respect to another specific example of the use condition determination process in Step A300, refer to FIG. 5 by taking as an example a case where a user enters or leaves a station using a commuter pass or prepaid card of transportation. I will explain.

  In this example, the “use information” acquired by the determination unit 201a is “use card”, “use place (location information)”, “use time”, “station name (use content)”, “entrance or exit classification ( Usage details) ”and“ use amount ”. However, in the case of a regular period, “use period (use content)” and “use section (use content)” are also included, and in the case of a prepaid card, “remaining amount” is also included. At this time, “use card” and “remaining amount” are acquired from the non-contact IC unit 209, “use location (location information)” is acquired from the GPS processing unit 205a, and “use time” is the mobile phone device. The “station name”, “entry / exit classification”, and “use amount” are obtained from the IC card reader / writer device 100 via the non-contact IC unit 209. In addition, the “use period” in the case of regular is calculated from the use time at the time of entrance and exit.

  “Card user information” registered in the usage information management unit 208b includes “user name”, “registered card (including information on“ valid period ”and“ valid section ”in the case of a regular period), “User address” and “Registration card usage history (past usage information)”.

  In the case of a regular period, if the “use period” is within the “valid period” and the “use period” is within the “valid period”, the “use amount” is 0 yen, and no settlement processing occurs. However, in this example, it is assumed that the “use amount” is not 0 yen and a settlement process occurs.

  As shown in FIG. 5, first, the determination unit 201a uses the “use time” of “registered card use history (past use information)” of “card user information” in the use information management unit 208b. The usage time zone that the user frequently uses is calculated as “use condition” (step B301). At this time, for example, if it is used more than a predetermined number of times in a certain time zone in the past predetermined time period, that time zone is calculated as the usage time zone.

  Next, the determination unit 201a determines whether or not the “use time” of the “use information” is included in the use time zone calculated above (step B302).

  If “usage time” of “usage information” is not included in the usage time zone in step B302, the determination unit 201a determines in step A500 that user authentication is necessary.

  On the other hand, if the “usage time” of “usage information” is included in the usage time zone in step B302, the determination unit 201a then proceeds to “registered card” of “card user information” in the usage information management unit 208b. Based on the “station name” in the “usage history (past usage information)”, the station used in the past is calculated as the “usage condition” (step B303). At this time, for example, the station used within the past predetermined period is calculated.

  Next, the determination unit 201a determines whether the “station name” of the “use information” corresponds to any of the past use stations calculated above (step B304).

  If the “station name” of “use information” does not correspond to any of the past use stations in step B304, the determination unit 201a determines in step A500 that user authentication is necessary.

  On the other hand, when “station name” of “use information” corresponds to one of the past use stations in step B304, the determination unit 201a determines in step A400 that user authentication is unnecessary.

  In this way, the usage conditions can be set for each registered card.

  4 and FIG. 5 are combined (steps B301 and B302 in FIG. 5 are executed after steps A301 to A304 in FIG. 4), and the “usage time zone” is further taken into consideration, so that the user's behavior can be further adjusted. The usage conditions can be calculated, and whether or not user authentication is necessary can be determined even in the case of a small payment.

  As described above, in the present embodiment, the mobile phone device 200 calculates the “use condition” based on the “card user information” before using the contactless IC card to make a payment, and the “use” Whether or not user authentication is necessary is determined according to whether or not a non-contact IC card is used in the “condition”.

  Therefore, there is an effect that the user can determine whether or not the user authentication is necessary without registering the usage conditions in advance.

  For example, when the non-contact IC card is an electronic money card, the “use condition” is set as an average amount of past use amounts, and if the use amount exceeds the average amount, it is determined that user authentication is necessary.

  Therefore, it is possible to alert the user that the usage amount is higher than usual.

  Also, for example, when the contactless IC card is a regular or prepaid card for transportation, the “use condition” is set as a past use station, and if it does not correspond to a past use station, it is determined that user authentication is required, etc. If the usage is different from the past, it is determined that user authentication is necessary.

Therefore, when the cellular phone device 200 is stolen, an effect that the possibility that the non-contact IC card is used up to the usage limit by the theft can be reduced.
(2) Second Embodiment FIG. 6 is a diagram showing a configuration of a payment system according to this embodiment.

  As shown in FIG. 6, the payment system of the present embodiment is different from the first embodiment in that a usage information management device 300 is provided.

  The usage information management device 300 is an external server that is operated by a credit card company, a railroad company, etc., and registers and manages “card user information” similar to that of the mobile phone device 200.

  In this type of usage information management apparatus 300, the usage information management apparatus 300 can determine whether payment is necessary as shown in FIG.

  That is, as shown in FIG. 7, for example, when a user intends to purchase a product at a store, the user can contact the IC card reader / writer device 100 installed at the store with the non-contact IC unit 209 of the mobile phone device 200. (Step C100). Then, the non-contact IC card is detected by the IC card reader / writer device 100 (step C101).

  Next, the cellular phone device 200 transmits “use information” to the use information management device 300 via the IC card reader / writer device 100 (step C102).

  Next, the usage information management device 300 determines whether or not payment processing is possible based on the “card user information” in the usage information management device 300 (step C103), and the payment determination result is sent to the IC card reader / writer device 100. Is transmitted to the mobile phone device 200 via the mobile phone 200 (step C104).

  In the mobile phone device 200, if the payment determination result indicates that payment processing is possible, the CPU 201 outputs a payment processing command to the non-contact IC unit 209 (step C105), and the non-contact IC unit 209 The settlement process is executed (step C106), and after the settlement process is completed, the settlement process result is transmitted to the usage information management apparatus 300 via the IC card reader / writer apparatus 100 (step C107).

  Thereafter, the usage information management apparatus 300 registers “usage information” as “card user information” (step C108).

  On the other hand, since the mobile phone device 200 according to the first embodiment calculates the usage conditions by itself and determines whether or not user authentication is necessary, the payment determination by the usage information management device 300 is unnecessary. It is thought that the number of cases will increase.

  However, for example, when the mobile phone device 200 is replaced and the contactless card used before replacement is used continuously after replacement, the “card user information” in the usage information management unit 208b is insufficient. Therefore, the “use condition” may not be calculated.

  Therefore, in the present embodiment, the mobile phone device 200 obtains the “use condition” from the use information management device 300 when the “card user information” in the use information management unit 208b is insufficient.

  Hereinafter, the operation at the time of settlement of the settlement system of the present embodiment will be described with reference to FIG.

  As shown in FIG. 8, for example, when a user intends to purchase a product at a store, the user holds the non-contact IC unit 209 of the mobile phone device 200 over the IC card reader / writer device 100 installed at the store. (Step D100). Then, the non-contact IC card is detected by the IC card reader / writer device 100 (step D101).

  Next, in the mobile phone device 200, the determination unit 201a in the CPU 201 determines whether or not the “card user information” in the usage information management unit 208b is sufficient as an amount of information that can be used to calculate the “use condition” (step). D102). At this time, for example, when the “use condition” is an average amount of use amount (FIG. 4), a use time zone (FIG. 5), or a past use station (FIG. 5), the past “use information” is predetermined. If the number is greater than or equal to the number, it is determined that the amount of information is sufficient. When the “use condition” is within a predetermined range centered on the user address (FIG. 4), it is determined that the information amount is sufficient if the user address is registered in the “card user information”.

  In step D102, when the amount of information is sufficient, the mobile phone device 200 determines whether or not user authentication is necessary as shown in FIG.

  On the other hand, if the amount of information is not sufficient in step D102, the determination unit 201a in the CPU 201 determines whether or not the “use condition” is registered in the use information management unit 208b (step D103). In the present embodiment, as will be described later, the “use condition” transmitted from the use information management apparatus 300 can be registered in the use information management unit 208b of the mobile phone device 200. There is a possibility that the “use condition” transmitted from the device 300 before is registered.

  If “use conditions” are registered in step D103, the mobile phone device 200 uses the “use conditions” to determine whether or not user authentication is required as shown in FIG. Is called.

  On the other hand, when the “use condition” is not registered in step D103, the determination unit 201a in the CPU 201 continues to use the use information management device 300 via the non-contact IC unit 209 and the IC card reader / writer device 100. "Card user information" and "usage information" are transmitted to (step D104).

  Next, the usage information management device 300 determines whether or not payment processing is possible based on the “card user information” in the usage information management device 300 (step D105), and the payment determination result is sent to the IC card reader / writer device 100. Is transmitted to the mobile phone device 200 via the mobile phone 200 (step D106).

  In the mobile phone device 200, if the payment determination result indicates that payment processing is possible, the determination unit 201a in the CPU 201 outputs a payment processing command to the non-contact IC unit 209 (step D107). The contact IC unit 209 executes a settlement process (step D108), and after the settlement process is completed, transmits the settlement process result to the usage information management apparatus 300 via the IC card reader / writer apparatus 100 (step D109).

  Next, the usage information management apparatus 300 registers “usage information” as “card user information” (step D110).

  Next, the usage information management apparatus 300 calculates a “use condition” based on the “card user information” in the use information management apparatus 300 (step D111), and the “use condition” is determined as an IC card reader / writer device. The data is transmitted to the mobile phone device 200 via 100 (step D112). The calculation method at this time is the same as the calculation method performed by the determination unit 201a in the mobile phone device 200.

  Thereafter, in the mobile phone device 200, the non-contact IC unit 209 registers the “use condition” transmitted from the use information management device 300 in the use information management unit 208b (step D113).

  Thus, thereafter, even when the “card user information” of the usage information management unit 208b is insufficient, the “use conditions” registered in the usage information management unit 208b inside the mobile phone device 200 are used. It is possible to determine whether or not user authentication is necessary as shown in FIG.

  As described above, in the present embodiment, when the “card user information” of the usage information management unit 208b is insufficient, the mobile phone device 200 acquires the “usage condition” from the usage information management device 300, The use condition "is used to determine whether or not user authentication is necessary.

  Therefore, as in the first embodiment, there is an effect that the user can determine whether or not the user authentication is necessary without registering the use conditions in advance.

  In the present embodiment, it has been described that “card user information” is registered in both the mobile phone device 200 and the usage information management device 300, but “card user information” is stored only in the usage information management device 300. A configuration to register may be used. In this configuration, all “use conditions” are calculated by the use information management apparatus 300, and the process of step D102 in FIG.

  In the case of this configuration, the storage capacity of the memory 208 of the mobile phone device 200 is sufficiently smaller than that of the usage information management apparatus 300, so that it is possible to effectively use the storage capacity of the memory 208. Moreover, since all “use conditions” are calculated based on “card user information” in the use information management apparatus 300, the know-how of each company is reflected, and use conditions with higher security can be used. An effect is obtained.

100 IC Card Reader / Writer Device 200 Mobile Phone Device 201 CPU
201a determination unit 202 operation unit 203 display unit 204 control unit 205 sensor unit 205a GPS processing unit 206 speaker 207 microphone 208 memory 208a authentication information management unit 208b usage information management unit 209 non-contact IC unit 210 radio unit 210a radio signal antenna

Claims (10)

A portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
A memory in which card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card is registered;
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. A mobile terminal comprising: a determination unit that determines whether or not user authentication is necessary depending on whether or not the user is used. A GPS processing unit for measuring the current position of the mobile terminal;
The attribute information includes position information representing the user's address,
The usage history information includes past usage amount information when the contactless IC card is an electronic money card,
The determination unit
When the non-contact IC card is an electronic money card, an average amount of past usage amounts and a predetermined range centered on the user's address are calculated as the usage conditions.
User authentication is unnecessary when the usage amount using the non-contact IC card is equal to or less than the calculated average amount and the usage location using the non-contact IC card is within the calculated predetermined range. The mobile terminal according to claim 1, wherein the mobile terminal is determined. The use history information includes information on past use stations and use times when the contactless IC card is a regular or prepaid card for transportation,
The determination unit
When the non-contact IC card is a regular or prepaid card for transportation, a past use station and a use time zone that has been used more than a predetermined number of times in the past are calculated as the use conditions,
When the use station that uses the non-contact IC card corresponds to any of the calculated past use stations, and the use time that uses the non-contact IC card is included in the calculated use time zone, The mobile terminal according to claim 1, wherein user authentication is determined to be unnecessary. A portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
A memory in which a use condition for permitting use of the non-contact IC card transmitted from an external server is registered;
A determination unit that determines whether or not user authentication is necessary according to whether or not a non-contact IC card is used under the registered use conditions before making a payment using the non-contact IC card; Mobile terminal having. A payment system including a non-contact IC card and a portable terminal that performs payment using the non-contact IC card,
The portable terminal is
Register card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card,
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. A payment system for determining whether or not user authentication is necessary depending on whether or not the user is using the system. A payment system including a non-contact IC card, a portable terminal that performs payment using the non-contact IC card, and an external server,
The external server is
Register card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card,
Based on the card user information, calculate usage conditions permitting the use of the contactless IC card,
Send the calculated usage conditions to the mobile terminal,
The portable terminal is
Register the usage conditions sent from the external server,
A settlement system for determining whether or not user authentication is necessary according to whether or not a non-contact IC card is used under the registered use conditions before making a settlement using the non-contact IC card. A payment method using a portable terminal that is equipped with a non-contact IC card and performs payment using the non-contact IC card,
Registering card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card;
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. Determining whether or not the user authentication is necessary depending on whether or not the user is using. A payment method using a portable terminal that is equipped with a non-contact IC card and performs payment using the non-contact IC card,
Registering a use condition transmitted from an external server and permitting use of the contactless IC card;
Determining whether or not to require user authentication according to whether or not a non-contact IC card is used under the registered use conditions before making a payment using the non-contact IC card; Have a payment method. In a portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
Processing for registering card user information including attribute information of the user of the mobile terminal and usage history information of the contactless IC card;
Before making a payment using the non-contact IC card, based on the card user information, a usage condition for permitting the use of the non-contact IC card is calculated, and the non-contact IC card is determined according to the calculated usage condition. A program for executing a process of determining whether or not user authentication is necessary depending on whether or not the user is used. In a portable terminal equipped with a non-contact IC card and making a payment using the non-contact IC card,
A process of registering a use condition permitting use of the non-contact IC card transmitted from an external server;
A process of determining whether or not user authentication is necessary according to whether or not a non-contact IC card is used under the registered use conditions before making a payment using the non-contact IC card. A program to be executed.

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