JP2012123700A - Compact terminal, and portable communication terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To use an electronic money function of a non-contact type IC by using a portable terminal not incorporating a non-contact type IC.SOLUTION: A compact terminal 2 has a non-contact type IC and a short-range wireless function. The non-contact type IC, which is the same as the one used for an electronic money card, stores balance of electronic money and increases/reduces the balance by an instruction from outside. The short-range wireless function is the one for performing wireless communication with a portable phone 3. The portable phone 3 is registered in an electronic money server 4 together with credit card information. When charging is performed in the compact terminal 2, the portable phone 3 is connected to the electronic money server 4 to perform settlement of payment to be charged by using the credit information. Then, the portable phone 3 transmits an instruction for increasing amount to the compact terminal 2 and allows the portable terminal 2 to perform charging of electronic money with the settled amount.

Description

  The present invention relates to a small-sized terminal and a portable communication terminal, and for example, relates to one that processes prepaid electronic money.

2. Description of the Related Art Prepaid electronic money has been used in which electronic money is stored in advance in an electronic money card with a built-in non-contact IC, and this is reduced at a store to settle shopping.
The non-contact IC includes an antenna, and performs a short-distance wireless communication with a reader / writer provided at a store to increase or decrease the balance of electronic money.
The process of paying a store and storing electronic money for the store in a contactless IC is called charging.

In recent years, in order to improve user convenience, a usage form in which a non-contact IC is built in a mobile phone and electronic money is stored in the mobile phone and used at a store like the portable terminal of Patent Document 1 is used. It has become.
In this case, even if the non-contact IC is not connected to the reader / writer at the store, the non-contact IC is connected to the electronic money server using the communication network connection function of the mobile phone and charged from the electronic money server to the non-contact IC by credit settlement or the like. be able to.

However, there are many mobile phones that do not include a non-contact IC having an electronic money function, and there is a problem that such mobile phones cannot receive a charge service via the mobile phone.
Also, in general, when charging a built-in contactless IC from a mobile phone, it is necessary to register the mobile phone and a credit card in the electronic money server. There was also a possibility that the child would charge without permission.

JP 2008-186297 A

  An object of the present invention is to use an electronic money function of a non-contact IC using a portable terminal that does not incorporate the non-contact IC.

According to the first aspect of the present invention, a non-contact IC for storing a balance of electronic money, increasing the stored balance by an increase instruction, and reducing the stored balance by a decrease instruction, and increasing the balance of the electronic money. A connection means for connecting to a mobile communication terminal that causes a predetermined payment server to perform a payment for the payment, and a payment notification reception for receiving a payment notification from the connected mobile communication terminal that payment has been completed at the payment server And a means for inputting to the non-contact IC an increase command for increasing the balance of electronic money by an amount corresponding to the payment amount when the payment notification is received. Provide a terminal.
In the invention according to claim 2, the settlement notification includes an amount corresponding to the settlement amount, and the input means issues an increase instruction to increase the balance of electronic money by the amount. The small terminal according to claim 1, wherein input is made to a contact IC.
According to a third aspect of the present invention, there is provided ID information transmitting means for acquiring ID information stored in the non-contact IC from the non-contact IC and transmitting the ID information to the portable communication terminal. Or a small terminal according to claim 2.
In the invention according to claim 4, an authentication unit that receives and authenticates unique information unique to the mobile communication terminal from the mobile communication terminal, and when the authentication unit does not authenticate, the mobile communication terminal The small terminal according to claim 1, 2, or 3 is provided.
According to the fifth aspect of the present invention, the server connection means for connecting to a settlement server that settles the price for increasing the balance of the electronic money, the balance of the electronic money is stored, and the stored balance is increased by the increase instruction. A terminal connection means for connecting to a small terminal equipped with a non-contact IC for reducing the stored balance according to a reduction command, and a payment for increasing the electronic money balance of the non-contact IC to be connected Payment request means for requesting the payment server, and payment notification transmission means for transmitting a payment notice to the connected small terminal when receiving a notification that payment has been completed from the payment server in response to the request. A portable communication terminal characterized by the above is provided.
According to a sixth aspect of the present invention, there is provided an amount acquisition means for acquiring an amount for increasing the balance of electronic money, wherein the settlement request means requests settlement of the price for the acquired amount, and transmits the settlement notification. The means provides the mobile communication terminal according to claim 5, wherein the acquired amount is included in the settlement notification and transmitted to the small terminal.
According to a seventh aspect of the present invention, the portable device according to the fifth or sixth aspect, further comprising a unique information transmitting unit that acquires unique information unique to the own device and transmits the unique information to the small terminal. Provide a communication terminal.
In the invention according to claim 8, an authentication unit that receives and authenticates ID information stored in the non-contact IC from the small terminal, and accesses from the small terminal when the authentication unit does not authenticate. The mobile communication terminal according to claim 5, claim 6, or claim 7, further comprising an access refusing unit that rejects the access.

  In the present invention, by using a small terminal with a built-in non-contact IC, it is possible to use the electronic money function of the non-contact IC using a portable terminal without a built-in non-contact IC.

It is the figure which showed the structure of the electronic money system which concerns on this Embodiment. It is the figure which showed the functional structure of the small terminal, the mobile phone, and the electronic money server. It is a sequence diagram for demonstrating the procedure charged to a small terminal from an electronic money server. FIG. 4 is a sequence diagram showing a continuation of FIG. 3. FIG. 5 is a sequence diagram showing a continuation of FIG. 4. It is a sequence diagram for demonstrating the procedure which registers a small terminal into a mobile telephone. It is a flowchart for demonstrating in detail the operation | movement which a mobile telephone charges to a small terminal. It is a flowchart for demonstrating in detail the operation | movement which a small terminal charges. It is a flowchart for demonstrating in detail the operation | movement in which a mobile telephone registers a small terminal. It is a flowchart for demonstrating in detail the operation | movement which a small terminal registers into a mobile telephone.

(1) Outline of Embodiment The small terminal 2 (FIG. 2) has a short-range wireless function using a non-contact IC and a short-range wireless unit 203. The non-contact IC is the same as that used for the electronic money card, stores the balance of electronic money, and increases or decreases the balance according to an external command. The increase / decrease command includes an increase command for increasing the balance and a decrease command for decreasing the balance. The short-range wireless unit 203 performs wireless communication with the mobile phone 3.

The mobile phone 3 is registered in the electronic money server 4 together with the credit card information.
When charging the small terminal 2, the mobile phone 3 is connected to the electronic money server 4, and the charge for the charge is settled using the credit information, and then the mobile phone 3 sends an increase command to the small terminal 2. Then, the electronic money corresponding to the amount settled is charged in the small terminal 2.

In this way, by constructing the small terminal 2 by combining the non-contact IC and the short-range wireless, the prepaid payment using the mobile phone network, which could not be used unless the non-contact IC is built in the mobile phone conventionally. By using the small terminal 2, the service can be used even with the mobile phone 3 that does not incorporate a non-contact IC.
In addition, even if the small terminal 2 and the mobile phone 3 are configured to be mutually authenticated, and the mobile phone 3 is dropped and passed to a third party, the third party cannot illegally charge his / her small terminal 2. To.

(2) Details of Embodiment FIG. 1 is a diagram showing a configuration of an electronic money system 1 according to the present embodiment.
The electronic money system 1 includes a small terminal 2, a mobile phone 3, an electronic money server 4, a database 5, a base station 6, a store terminal 7, a store server 8, a network 9, and the like.

  The mobile phone 3 is a mobile phone having a function of connecting to the network 9, and has a wide-area wireless unit 308 (FIG. 2) for connecting to the base station 6 and short-range wireless for connecting to the small terminal 2. It has a unit 303 and functions as a mobile communication terminal.

The short-range wireless unit 303 uses, for example, Bluetooth or infrared rays.
In the present embodiment, the small terminal 2 and the mobile phone 3 are connected by short-range wireless connection, but may be connected by wire.
In the present embodiment, the mobile phone 3 is used as an example of a mobile communication terminal, but other types of terminals such as a mobile personal computer may be used.

The small terminal 2 includes a non-contact IC 202 (FIG. 2) having an electronic money function, a short-range wireless unit 203 for performing short-range wireless communication with the mobile phone 3, and a battery (button type battery or the like) for driving the function. Etc.
The small terminal 2 can be charged and paid with the reader / writer of the store terminal 7 as well as a general electronic money card, and communicates with the mobile phone 3 by short-range wireless communication and charged from the electronic money server 4. can do.
The size of the small terminal 2 is such that the electronic money card has a slight thickness.

The base station 6 is a mobile phone base station for wide area wireless communication with the mobile phone 3 and mediates communication between the mobile phone 3 and the network 9.
Although not shown, a plurality of base stations 6 are installed. The base station 6 has a unique communication area called a cell, and covers a wide area as a communication area by installing a plurality of base stations 6.

The store terminal 7 is an accounting device installed in the store, and is composed of, for example, a POS (Point Of Sales System) cash register.
The store terminal 7 includes a reader / writer (not shown), and with the small terminal 2 installed in the reader / writer, the electronic money corresponding to the price of the product is reduced from the small terminal 2 to complete the payment, or the small terminal 2 is small. The price can be received from the user of the terminal 2 and charged to the small terminal 2 from the store terminal 7.

  The store server 8 is constituted by, for example, a POS server, and manages sales at the store, and notifies the electronic money server 4 of the usage history of electronic money through the network 9.

The electronic money server 4 manages the usage history of electronic money such as an electronic money card and the small terminal 2 and totals them.
In addition, the electronic money server 4 has a function of charging a contactless IC via the network 9, thereby charging a mobile phone incorporating the contactless IC or via the mobile phone 3 to the small terminal 2. Can be charged.
The electronic money server 4 functions as a settlement server that communicates with a credit card server and settles the charge for the charge.

The database 5 includes a registration database in which contactless ICs having an electronic money function are registered, a history database in which usage history of electronic money is recorded, and the like.
In the registration database, the unique information of the mobile phone 3 is stored in association with the credit card information for paying the charge.
As the unique information of the mobile phone 3, a product number assigned to the hardware of the mobile phone 3, a SIM card number attached to the mobile phone 3, or the like can be used.

  The network 9 is a communication network that mediates communication between the electronic money server 4, the base station 6, and the store server 8, and includes a mobile phone network and the Internet.

FIG. 2 is a diagram showing functional configurations of the small terminal 2, the mobile phone 3, and the electronic money server 4.
The small terminal 2 includes a control unit 201, a non-contact IC 202, a short-range wireless unit 203, a charge unit 204, a charge determination unit 205, a specific information determination unit 206, a specific information storage unit 207, and a power supply unit including a battery (not shown) Etc.

The non-contact IC 202 is the same as that used for an electronic money card, stores unique ID information, electronic money balance, etc., increases the balance of electronic money with an increase command, and electronic money with a decrease command. Reduce the balance of.
Although not shown, the non-contact IC 202 is provided with an antenna for short-distance wireless communication with the reader / writer of the store terminal 7, and the non-contact IC 202 is installed in the reader / writer, as in a normal electronic money card. In this case, the antenna generates electric power by radio waves from the reader / writer to drive the non-contact IC 202, and the balance of electronic money is increased or decreased according to a command from the reader / writer.
In this way, the small terminal 2 can be used in the same manner as a normal electronic money card.

The control unit 201 controls each part of the small terminal 2, reads ID information from the non-contact IC 202 and transmits it to the mobile phone 3, or inputs an increase command to the non-contact IC 202 when the mobile phone 3 makes a payment with the electronic money server 4. Thus, the non-contact IC 202 can be charged.
The short-range wireless unit 203 includes a transmission unit and a reception unit, and can perform transmission / reception by the short-range wireless communication with the short-range wireless unit 303 of the mobile phone 3.

The charging unit 204 inputs an increase command to the non-contact IC 202, and the charge determination unit 205 determines whether or not the charging is successful by the input.
The increase instruction may be configured such that the charge unit 204 generates an increase instruction and inputs the increase instruction to the non-contact IC 202 when the payment at the electronic money server 4 is confirmed, or the electronic money server 4 An increase command may be generated and transmitted to the small terminal 2 via the mobile phone 3, and the charging unit 204 may input this to the non-contact IC 202.

  In the former case, since the increase command is generated by the small terminal 2, the configuration is simplified. In the latter case, the electronic money server 4 has a charge command generation function and the electronic money server 4 issues an increase command to the small terminal 2. Since the transmission path for transmission is encrypted, security can be improved.

The unique information determination unit 206 acquires the unique information from the mobile phone 3 and compares it with the unique information stored in the unique information storage unit 207 to determine whether the mobile phone 3 is a mobile phone 3 associated in advance. By doing so, the mobile phone 3 is authenticated.
The unique information storage unit 207 stores unique information acquired in advance from the mobile phone 3 in order for the unique information determination unit 206 to authenticate the mobile phone 3.

The non-contact IC 202 is driven by a radio wave from the reader / writer when communicating with the reader / writer, and is driven by a battery included in the small terminal 2 when charging from the mobile phone 3.
In addition, the configuration of the small terminal 2 other than the non-contact IC 202 is driven by a battery included in the small terminal 2.

A switch for turning on / off the battery can be provided so that the battery is turned on when charging via the mobile phone 3 and the battery is turned off during other periods.
When the small terminal 2 is used at the store terminal 7, the non-contact IC 202 is driven by generating electric power from the radio wave output from the reader / writer of the store terminal 7, so that the battery of the small terminal 2 is not required.

Next, the hardware configuration of the small terminal 2 will be described.
The non-contact IC 202 includes a CPU (Central Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), a transmission / reception unit, a storage medium, and the like.

The storage medium stores a balance of electronic money, ID information, a program for electronic money processing, and the like, and functions as an electronic money card are exhibited when the CPU executes the program for electronic money processing. .
Further, the CPU can communicate with the reader / writer via the transmission / reception unit, or can receive and respond to an instruction from the control unit 201.

In addition to the non-contact IC 202, the small terminal 2 includes a CPU, RAM, ROM, storage medium, antenna, and the like.
The storage medium stores a small terminal program that communicates with the mobile phone 3 and charges the non-contact IC 202, and a unique information storage unit 207 is secured as a storage area for storing the unique information.
When the small terminal program is executed by the CPU of the small terminal 2, the functional units of the control unit 201, the short-range wireless unit 203, the charging unit 204, the charge determining unit 205, and the unique information determining unit 206 are configured in software.

Next, the configuration of the mobile phone 3 will be described.
The mobile phone 3 includes a control unit 301, a unique information storage unit 302, a short-range wireless unit 303, a charge instruction unit 304, a charge determination unit 305, a short-range wireless address determination unit 306, a short-range wireless address storage unit 307, and a wide-area wireless unit. 308, a settlement unit 309, a settlement determination unit 310, an ID information determination unit 311, an ID information storage unit 312 and the like.

The control unit 301 controls each unit of the mobile phone 3.
The unique information storage unit 302 stores unique information unique to the mobile phone 3. As the unique information, a product number assigned to the hardware of the mobile phone 3, a number of a SIM card (Subscriber Identity Module Card) attached to the mobile phone 3, or the like can be used.

The short-range wireless unit 303 includes a transmission / reception unit, and performs short-range wireless transmission / reception with the short-range wireless unit 203 of the small terminal 2.
The charge instruction unit 304 instructs the small terminal 2 to charge when the electronic money server 4 has paid for the amount to be charged. This instruction includes the amount to be charged, and the small terminal 2 charges the electronic money by the amount. Since the charge instruction is sent after payment is completed in the electronic money server 4, it functions as a payment notification.

The charge determination unit 305 confirms whether or not the small terminal 2 has been charged successfully.
The short-range wireless address determination unit 306 determines whether the short-range wireless address used for communication with the small terminal 2 is the same as that stored in the short-range wireless address storage unit 307.
The short-range wireless address storage unit 307 stores a short-range wireless address of the small terminal 2 registered in advance.

The wide area radio unit 308 includes a transmission unit and a reception unit, and is wirelessly connected to the base station 6 to transmit and receive various types of information. The mobile phone 3 can communicate with the electronic money server 4 via the base station 6 and the network 9.
The settlement unit 309 requests the electronic money server 4 to settle the charge, and causes the electronic money server 4 to settle with the user's credit card.
The settlement determination unit 310 determines whether or not the settlement is successful.
The ID information determination unit 311 obtains ID information from the small terminal 2 and compares it with the ID information stored in the ID information storage unit 312 to determine whether the small terminal 2 is the small terminal 2 associated in advance. By doing so, the small terminal 2 is authenticated.
The ID information storage unit 312 stores ID information acquired in advance from the small terminal 2 so that the ID information determination unit 311 authenticates the small terminal 2.

  The mobile phone 3 includes a CPU, a ROM, a RAM, a storage medium, and the like, and a short-range wireless address storage unit 307, an ID information storage unit 312 and a unique information storage unit 302 are secured as storage areas in the storage medium. Yes. In addition, a charging program is stored in the storage medium, and when this is executed by the CPU of the mobile phone 3, the control unit 301, the short-range wireless unit 303, the charge instruction unit 304, the charge determination unit 305, the short-range wireless The functional units of the address determination unit 306, the short-range wireless address storage unit 307, the settlement unit 309, the settlement determination unit 310, and the ID information determination unit 311 are configured in software.

Next, the configuration of the electronic money server 4 will be described.
The electronic money server 4 includes a control unit 401, a communication unit 402, a unique information determination unit 403, a settlement unit 405, a settlement determination unit 406, an account information determination unit 407, and the like.
The control unit 401 controls each unit of the electronic money server 4.
The communication unit 402 is an interface connected to the network 9, whereby the electronic money server 4 can communicate with the mobile phone 3.

The unique information determination unit 403 confirms whether the unique information acquired from the mobile phone 3 and the unique information of the non-contact IC 202 registered in advance in the database 5 are the same.
The settlement unit 405 communicates with a credit card server (not shown) and settles the price for the amount charged to the small terminal 2 using the user's credit card.
The payment determination unit 406 determines whether the payment is successful.
The account information determination unit 407 confirms whether or not the credit card information for charging the small terminal 2 is registered in the account information storage unit of the database 5.

The database 5 stores a unique information storage unit 501, an account information storage unit 502, a registration database (not shown) in which a contactless IC is registered, a history database in which electronic money usage history is recorded, and the like.
The unique information storage unit 501 stores unique information of the mobile phone 3.
The account information storage unit 502 stores credit card information for paying the charge for the mobile phone 3 by credit, corresponding to the specific information of the mobile phone 3. The electronic money server 4 uses the credit card information when making a payment at the credit card server.

FIG. 3 is a sequence diagram for explaining a procedure for charging the small terminal 2 from the electronic money server 4, and shows a procedure until the small terminal 2, the mobile phone 3, and the electronic money server 4 are connected.
First, the user activates a charging program on the mobile phone 3 and inputs a charge amount and other necessary information.

Then, the control unit 301 drives the wide area wireless unit 308 to instruct connection to the electronic money server 4 (step 5).
The wide area wireless unit 308 accesses the electronic money server 4 via the base station 6 and the network 9, and when the connection with the electronic money server 4 is completed, notifies the control unit 301 of the completion of connection (step 10).

Next, the control unit 301 reads the unique information from the unique information storage unit 302 and transmits it to the electronic money server 4, and makes a registration confirmation request to the electronic money server 4 (step 15).
When the electronic money server 4 receives the unique information from the mobile phone 3, the unique information determination unit 403 checks the registration of the mobile phone 3 against the unique information stored in the unique information storage unit 501, and the confirmation is completed. To the mobile phone 3 (step 20).

Next, the control unit 301 instructs the connection to the small terminal 2 by driving the short-range wireless unit 303 (step 25).
Then, the short-range wireless unit 303 accesses the short-range wireless unit 203 and requests connection (step 30).

The short-range wireless unit 203 receives this connection request and notifies the short-range wireless unit 303 of the completion of connection (step 35). Then, the short-range wireless unit 303 notifies the control unit 301 of the completion of connection (step 40). At that time, the short-range wireless address determination unit 306 confirms whether the short-range wireless address of the small terminal 2 is the same as that stored in the short-range wireless address storage unit 307. Thereby, communication with the unregistered small terminal 2 is prevented.
Here, the mobile phone 3 and the electronic money server 4 are connected first, and then the small terminal 2 and the mobile phone 3 are connected. However, the small terminal 2 and the mobile phone 3 are connected first. You may do.

FIG. 4 is a sequence diagram continued from FIG. 3 and shows a procedure until charging is completed.
When the mobile phone 3 completes the connection with the electronic money server 4 and the small terminal 2, the control unit 301 requests ID information from the small terminal 2 (step 50).

Upon receiving the request for ID information, the control unit 201 requests the mobile phone 3 to transmit unique information (step 55).
Here, the reason why the control unit 201 requests the unique information without transmitting the ID information is to exchange the ID information and the unique information for the purpose of mutual authentication between the small terminal 2 and the mobile phone 3.

Upon receiving the request for unique information from the small terminal 2, the control unit 301 reads the unique information from the unique information storage unit 302 and transmits it to the small terminal 2 (step 60).
When receiving the unique information from the mobile phone 3, the control unit 201 causes the unique information determination unit 206 to determine whether or not the unique information is the same as that stored in the unique information storage unit 207.

If they are not the same, the control unit 201 denies access from the mobile phone 3.
If they are the same, the control unit 201 requests ID information from the non-contact IC 202 (step 65), and the non-contact IC 202 transmits the ID information to the control unit 201 (step 70). The control unit 201 transmits this to the mobile phone 3.
When the control unit 301 is configured to accompany unique information when requesting ID information (step 50), the small terminal 2 can omit steps 55 and 60 and transmit the ID information.

When receiving the ID information from the small terminal 2, the control unit 301 causes the ID information determination unit 311 to determine whether or not the ID information is the same as that stored in the ID information storage unit 312.
If they are not the same, the control unit 301 denies access from the small terminal 2.
If they are the same, the control unit 301 generates a payment request at the payment unit 309 and transmits the payment request from the wide area wireless unit 308 to the electronic money server 4 (step 75).
The settlement request includes an amount to be charged (this amount is a settlement target). If necessary, the ID information acquired from the small terminal 2 may be included.

When the control unit 401 receives a payment request from the mobile phone 3, the account for payment exists for the specific information of the mobile phone 3, that is, whether the credit card information associated with the specific information exists. The information determination unit 407 is confirmed.
In the account information storage unit 502, the unique information, the ID information, and the credit card information are associated with each other, the unique information and the ID information are transmitted from the mobile phone 3, and the credit card information corresponding to the combination of the unique information and the ID information is obtained. It can also be configured to check whether or not it exists.
The account information determination unit 407 confirms that such information exists in the account information storage unit 502.
When such information exists, the control unit 401 causes the settlement unit 405 to transmit the settlement amount (amount to be charged) and credit information to the credit card server and perform settlement.

Next, when the settlement determination unit 406 confirms that the settlement has been completed, the control unit 401 notifies the mobile phone 3 that the settlement has been completed (step 80).
In the case where the electronic money server 4 generates an increase command, the control unit 401 generates an increase command for increasing the amount of electronic money for the payment amount and transmits it to the mobile phone 3 to notify the completion of payment. .

When the control unit 301 receives a notification of payment completion from the electronic money server 4, the charge instruction unit 304 instructs the small terminal 2 to charge (step 85).
In the case where the electronic money server 4 generates an increase command, the mobile phone 3 instructs the charging by transmitting the increase command received from the electronic money server 4 to the small terminal 2.

When the control unit 201 receives a charge instruction from the mobile phone 3, the charging unit 204 generates an increase instruction and inputs the increase command to the non-contact IC 202 to charge the non-contact IC 202.
In the form in which the electronic money server 4 generates an increase instruction, the control unit 201 receives the increase instruction as a charge instruction, and the charging unit 204 inputs the increase instruction to the non-contact IC 202 to charge the non-contact IC 202. .
The control unit 201 causes the charge determination unit 205 to check whether or not the charging is completed. When the charging is completed (step 90), the control unit 201 notifies the mobile phone 3 to that effect.

FIG. 5 is a sequence diagram continued from FIG. 4 and shows the operation until the mobile phone 3 disconnects the line with the small terminal 2 and the electronic money server 4.
When charging is completed in the small terminal 2, the control unit 301 instructs the short-range wireless unit 303 to disconnect the line (step 105), and the short-range wireless unit 303 requests the short-range wireless unit 203 to disconnect the line. (Step 110).
When the short-range wireless unit 203 completes disconnection of the line (step 115), the short-range wireless unit 303 notifies the control unit 301 of disconnection of the line (step 120).

Next, the control unit 301 instructs the wide area wireless unit 308 to disconnect the line with the electronic money server 4 (step 125). When the wide area wireless unit 308 completes the disconnection, the control unit 301 notifies the control unit 301 of that fact. Notification is made (step 130).
Here, the connection between the small terminal 2 and the mobile phone 3 is disconnected first, and then the connection between the mobile phone 3 and the electronic money server 4 is disconnected. 4 may be disconnected.

FIG. 6 is a sequence diagram for explaining a procedure for registering the small terminal 2 in the mobile phone 3.
The mobile phone 3 stores a registration program in a storage medium, and the user activates it.
Then, the control unit 301 instructs the short-range wireless unit 303 to connect (step 205), and the short-range wireless unit 303 connects to the small terminal 2 (step 210).
When the short-range wireless unit 203 receives the connection, the short-range wireless unit 303 notifies the short-range wireless unit 303 of the connection completion (step 215), and the short-range wireless unit 303 notifies the control unit 301 of the connection completion (step 220).

Next, the control part 301 requests | requires ID information with respect to the small terminal 2 (step 225).
When the control unit 201 receives the request, it reads the ID information from the non-contact IC 202 and transmits it to the mobile phone 3 (step 230). When receiving the ID information, the control unit 201 stores the ID information in the ID information storage unit 312.

Next, the control unit 201 reads the unique information from the unique information storage unit 302 and transmits it to the small terminal 2 to make a request for writing the unique information (step 235).
Upon receiving the unique information, the control unit 201 stores the unique information in the unique information storage unit 207, and notifies the mobile phone 3 that the writing of the unique information has been completed (step 240).

Upon receiving the notification, the control unit 301 instructs the short-range wireless unit 303 to disconnect (step 245), and the short-range wireless unit 303 requests the small terminal 2 to disconnect (step 250).
Upon receiving the request, the short-range wireless unit 203 performs a disconnection process and notifies the mobile phone 3 of the completion of disconnection (step 255), and the short-range wireless unit 303 notifies the control unit 301 of the completion of disconnection.
As described above, the mobile phone 3 stores the ID information of the small terminal 2, the small terminal 2 stores the unique information of the mobile phone 3, and can perform mutual authentication thereafter.

FIG. 7 is a flowchart for explaining in more detail the operation of the mobile phone 3 charging the small terminal 2.
The following processing is performed by the CPU of the mobile phone 3 according to the charging program.
The mobile phone 3 performs wide area wireless connection processing and connects to the electronic money server 4 (step 310).
If the connection cannot be confirmed (step 310; N), the mobile phone 3 ends the process.

If the connection is confirmed, the mobile phone 3 confirms the registration of its own device with the electronic money server 4 (step 320).
When the registration cannot be confirmed (step 320; N), the mobile phone 3 proceeds to step 375, disconnects the line with the electronic money server 4, and ends the processing.
When registration is confirmed (step 320; Y), the mobile phone 3 performs a short-range wireless connection process and tries to connect to the small terminal 2 (step 325).

When the connection with the small terminal 2 cannot be confirmed (step 330; N), the mobile phone 3 moves to step 375, disconnects the line with the electronic money server 4, and ends the process.
When the connection with the small terminal 2 is confirmed (step 330; Y), the mobile phone 3 starts the ID information acquisition process and requests the small terminal 2 to transmit the ID information (step 335).
After receiving the request for transmission of the ID information, the mobile phone 3 receives the request for specific information from the small terminal 2 (step 337).
On the other hand, the mobile phone 3 performs unique information transmission processing and transmits unique information to the small terminal 2 (step 339).

After transmitting the unique information to the small terminal 2, the mobile phone 3 receives the ID information transmitted from the small terminal 2 and confirms whether the ID information is the registered small terminal 2 (step 340). ).
If the ID information cannot be confirmed (step 345; N), the mobile phone 3 performs short-distance wireless disconnection processing with the small terminal 2 (step 370).
On the other hand, when the ID information is confirmed (step 345; Y), the mobile phone 3 requests the electronic money server 4 to perform a payment process for the amount charged by the increase command (step 350).

Next, the mobile phone 3 confirms whether or not the payment process has been completed, and if the payment completion cannot be confirmed (step 355; N), the mobile phone 3 performs a short-distance wireless disconnection process with the small terminal 2 ( Step 370).
On the other hand, when the payment is confirmed (step 355; Y), the mobile phone 3 causes the small terminal 2 to perform a charging process (step 360).

Next, the mobile phone 3 confirms that charging has been completed in the small terminal 2 (step 365, short distance wireless disconnection processing with the small terminal 2 is performed (step 370).
Furthermore, the cellular phone 3 performs a long-distance wireless disconnection process with the electronic money server 4 (step 375), and the process ends.

FIG. 8 is a flowchart for explaining the operation of charging the small terminal 2 in more detail.
The following processing is performed by the CPU of the small terminal 2 according to the small terminal program.
First, the small terminal 2 performs a short-range wireless connection process to connect to the mobile phone 3 (step 505).
When the connection cannot be confirmed (step 510; N), the small terminal 2 ends the process.

When the connection is confirmed (step 510; Y), the small terminal 2 acquires specific information from the mobile phone 3 (step 515).
Next, the small terminal 2 confirms whether the acquired unique information is that of the registered mobile phone 3 (step 520).
When the unique information cannot be confirmed (step 520; N), the small terminal 2 proceeds to step 530.

When the unique information is confirmed (step 520; Y), the small terminal 2 reads the ID information from the non-contact IC 202 and transmits it to the mobile phone 3 (step 525).
Next, the small terminal 2 performs charge processing according to an increase command from the mobile phone 3 (step 530), and after the mobile phone 3 confirms completion of the charge processing, performs short-distance wireless disconnection processing (step 535). The process is terminated.

  Although not shown, when the small terminal 2 cannot confirm the unique information of the mobile phone 3 and does not transmit the ID information to the mobile phone 3 (step 520; N), the small terminal 2 does not perform the charging process. A short distance wireless disconnection process (step 535) is performed.

FIG. 9 is a flowchart for explaining in more detail the operation in which the mobile phone 3 registers the small terminal 2.
The following processing is performed by the CPU of the mobile phone 3 executing the registration program.
First, the mobile phone 3 performs short-range wireless connection processing (step 405), and connects the small terminal 2 and the line.
When the connection with the small terminal 2 cannot be confirmed (step 410; N), the mobile phone 3 ends the process.

On the other hand, when the connection with the small terminal 2 is confirmed (step 410; Y), the mobile phone 3 performs an ID information acquisition process and acquires the ID information from the small terminal 2 (step 420).
Next, the mobile phone 3 stores the acquired ID information (step 425).
Next, the mobile phone 3 transmits the unique information to the small terminal 2 and causes the small terminal 2 to perform the unique information writing process (step 430).

When the unique information writing process has failed (step 435; N), the mobile phone 3 erases the stored ID information (step 440), disconnects the short-range radio with the small terminal 2 (step 445), End the process.
On the other hand, when the unique information writing process is successful (step 435; Y), the mobile phone 3 disconnects the short-range wireless communication with the small terminal 2 (step 445) and ends the process.

FIG. 10 is a flowchart for explaining in more detail the operation of the small terminal 2 registering in the mobile phone 3.
First, the small terminal 2 performs short-range wireless connection processing (step 605), and connects the mobile phone 3 and the line.
When the connection cannot be confirmed (step 610; N), the small terminal 2 ends the process.
When the connection is confirmed (step 610; Y), the small terminal 2 reads the ID information from the non-contact IC 202 and transmits it to the mobile phone 3 (step 615).

Next, the small terminal 2 performs a unique information writing process and writes the unique information transmitted by the mobile phone 3 in the unique information storage unit 207 (step 620).
When the writing process is completed (step 625; Y), the mobile phone 3 is notified of the completion of writing of the unique information by the unique information writing completion notification process (step 630), and the near field wireless disconnection process is performed. Perform (step 635).
When the writing process fails because the unique information cannot be acquired from the mobile phone 3 (step 625; N), the small terminal 2 performs a short-distance wireless disconnection process (step 635).

In the embodiment described above, the case where all the electronic money is added (charged) to the small terminal 2 has been described. However, it is also possible to subtract the electronic money from the small terminal.
Further, although the description has been made with the configuration in which payment is made with a credit card as the payment method, the payment may be made directly from the electronic money server 4 with the bank account designated by the user.

According to the embodiment described above, the following effects can be obtained.
(1) The small terminal 2 combining the non-contact IC 202 and the short-range wireless unit 203 can be provided.
(2) By using the small terminal 2, it becomes possible to use a prepaid settlement service for electronic money using a mobile phone network by a mobile phone 3 without a built-in non-contact IC.
(3) Since the small terminal 2 does not store information necessary for settlement with a credit card, the damage can be minimized when the small terminal 2 is lost.
(4) Since the small terminal 2 and the mobile phone 3 are mutually authenticated, even if the mobile phone 3 is lost, the mobile phone 3 is not charged to another small terminal 2.
(5) By charging the small terminal 2 and holding it to the child, it is possible to prevent the child from charging arbitrarily.

The small terminal 2 includes a non-contact IC 202 that stores the balance of electronic money, increases the stored balance by an increase command, and decreases the stored balance by a decrease command.
In addition, the short-range wireless unit 203 functions as a connection unit that connects to a mobile communication terminal (mobile phone 3) that causes a predetermined payment server (electronic money server 4) to perform payment of a price for increasing the balance of electronic money. is doing.
Further, since the charge instruction that the mobile phone 3 instructs the small terminal 2 means that the payment at the electronic money server 4 is completed, the charge instruction functions as a payment notification. Payment notification receiving means is provided for receiving a payment notification from the communication terminal to the effect that payment has been completed at the payment server.
Further, since the small terminal 2 receives the charge instruction (payment notification) from the mobile phone 3 and inputs the increase command to the non-contact IC 202 to execute the charge, when the payment notification is received, Input means for inputting an increase command for increasing the balance of the electronic money by the corresponding amount to the non-contact IC.
Therefore, the small terminal 2 functions as a small terminal characterized by including these means.

  Since the charge instruction includes the amount settled as the amount to be charged, the settlement notification includes the amount corresponding to the settlement amount, and the input means is the electronic money corresponding to the amount. An increase command for increasing the balance is input to the non-contact IC.

  Also, since the small terminal 2 reads the ID information from the non-contact IC 202 and transmits it to the mobile phone 3 in order for the mobile phone 3 to authenticate the small terminal 2, the ID stored in the non-contact IC from the non-contact IC. ID information transmitting means for acquiring information and transmitting it to the mobile communication terminal is provided.

  In addition, the small terminal 2 stores the unique information of the mobile phone 3 in advance, acquires the unique information from the connected mobile phone 3 and authenticates it. If the authentication fails, the small terminal 2 accesses the mobile phone 3. In order to refuse, an authentication unit that receives and authenticates unique information unique to the mobile communication terminal from the mobile communication terminal, and if the authentication unit does not authenticate, denies access from the mobile communication terminal Access denial means is provided.

The mobile phone 3 is connected to the electronic money server 4 and the small terminal 2, so that the mobile phone 3 is connected to a settlement server (electronic money server 4) that settles a price for increasing the balance of the electronic money, and electronic money Terminal connection means for connecting to a small terminal (small terminal 2) having a non-contact IC that stores the balance of the card, increases the stored balance by an increase command, and decreases the stored balance by a decrease command .
Further, since the mobile phone 3 requests the electronic money server 4 to settle the charge for charging the non-contact IC 202, the mobile phone 3 performs the settlement of the price for increasing the electronic money balance of the non-contact IC to be connected. A payment requesting means for requesting the payment server.
In addition, when the mobile phone 3 receives a notification of completion of payment from the electronic money server 4, the mobile phone 3 issues a charge instruction (payment notification) to the small terminal 2, so that the mobile phone 3 completes the payment from the payment server in response to the request. A payment notification transmitting means for transmitting a payment notification to the small terminal to be connected when a notification to the effect is received.

In addition, the mobile phone 3 acquires an amount to be charged by accepting an input from the user, etc., and requests the electronic money server 4 to settle the amount corresponding to the amount, so that the amount to increase the balance of the electronic money is acquired. An acquisition unit is provided, and the settlement request unit requests settlement of the price for the acquired amount.
In addition, since the mobile phone 3 sets the amount of money received by the electronic money server 4 as the amount of money to be charged to the small terminal 2 after the payment, the payment notification means uses the acquired amount as the payment notification. To the small terminal.

  In addition, the mobile phone 3 reads its own unique information and transmits it to the small terminal 2 for mutual authentication. Therefore, the mobile phone 3 acquires unique information unique to its own device and transmits it to the small terminal. I have.

  The mobile phone 3 stores ID information of the non-contact IC 202 built in the small terminal 2 in advance, and acquires the ID information from the small terminal 2 when authenticating the small terminal 2 when communicating with the small terminal 2. If the authentication fails, the access from the small terminal 2 is rejected. Therefore, the authentication means for receiving and authenticating the ID information stored in the non-contact IC from the small terminal and the authentication means are not authenticated. In this case, an access denial means for denying access from the small terminal is provided.

DESCRIPTION OF SYMBOLS 1 Electronic money system 2 Small terminal 3 Mobile phone 4 Electronic money server 5 Database 6 Base station 7 Store terminal 8 Store server 9 Network 201 Control part 202 Non-contact IC
DESCRIPTION OF SYMBOLS 203 Short distance radio | wireless part 204 Charging part 205 Charge determination part 206 Specific information determination part 207 Specific information storage part 301 Control part 302 Specific information storage part 303 Short distance wireless part 304 Charge instruction | indication part 305 Charge determination part 306 Short distance wireless address determination part 307 Short-range wireless address storage unit 308 Wide-area wireless unit 309 Settlement unit 310 Settlement determination unit 311 ID information determination unit 312 ID information storage unit 401 Control unit 402 Communication unit 403 Unique information determination unit 405 Settlement unit 406 Settlement determination unit 407 Account information determination 501 Unique information storage unit 502 Account information storage unit

Claims (8)

A contactless IC for storing a balance of electronic money, increasing the stored balance by an increase instruction, and reducing the stored balance by a decrease instruction;
A connection means for connecting to a mobile communication terminal for causing a predetermined settlement server to perform settlement of a price for increasing the balance of the electronic money;
Payment notification receiving means for receiving a payment notification indicating that payment has been completed at the payment server from the connected mobile communication terminal;
An input means for inputting, to the non-contact IC, an increase command for increasing the balance of electronic money by an amount corresponding to the payment amount when receiving the payment notification;
A small terminal characterized by comprising:   The settlement notification includes an amount corresponding to the settlement amount, and the input means inputs an increase command for increasing the balance of electronic money by the amount to the contactless IC. The small terminal according to claim 1.   3. The small-sized device according to claim 1, further comprising an ID information transmitting unit that acquires ID information stored in the non-contact IC from the non-contact IC and transmits the ID information to the portable communication terminal. Terminal. Authentication means for receiving and authenticating unique information unique to the mobile communication terminal from the mobile communication terminal;
An access refusal means for refusing access from the mobile communication terminal when the authentication means does not authenticate,
The small terminal according to claim 1, 2, or 3. A server connection means for connecting to a payment server for paying a price for increasing the balance of electronic money;
A terminal connection means for storing a balance of electronic money, increasing the stored balance by an increase command, and connecting to a small terminal having a non-contact IC for reducing the stored balance by a decrease command;
Payment request means for requesting the payment server for payment to pay for increasing the electronic money balance of the contactless IC to be connected;
Payment notification transmitting means for transmitting a payment notification to the connected small terminal when receiving a notification that payment has been completed from the payment server in response to the request;
A portable communication terminal comprising: An amount acquisition means for acquiring an amount for increasing the balance of electronic money is provided,
The settlement request means requests settlement of the price for the acquired amount;
The mobile communication terminal according to claim 5, wherein the payment notification transmission unit includes the acquired amount in the payment notification and transmits the payment to the small terminal.   The portable communication terminal according to claim 5 or 6, further comprising unique information transmission means for acquiring unique information unique to the device and transmitting the unique information to the small terminal. Authentication means for receiving and authenticating ID information stored in the non-contact IC from the small terminal;
An access refusal means for refusing access from the small terminal when the authentication means does not authenticate,
The mobile communication terminal according to claim 5, claim 6, or claim 7.

Images