JP2014123213A - Information processing system, radio terminal and electronic settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the security of a portable information terminal while securing the certainty of an operation in the case of using an electronic settlement function.SOLUTION: In an information processing system constituted of a smart phone and a wrist watch type wrist-worn terminal, the smart phone and the wrist watch type wrist-worn terminal are mutually authenticated, and then when electronic settlement is requested to the smart phone, the smart phone notifies the wrist-worn terminal of the information (step SA102). The wrist-worn terminal which has received that notification requests the instructing operation of settlement execution to a user, and when the instructing operation is performed, the wrist-worn terminal instructs the settlement execution to the smart phone (step SB105). The smart phone executes electronic settlement processing under such conditions that the settlement execution is instructed from the wrist-worn terminal (step SA105). When the electronic settlement function of the smart phone is used, the instructing operation of the settlement execution in the wrist-worn terminal becomes essential.

Description

  The present invention relates to a technique for improving the security of a portable information terminal having an electronic payment function.

  At present, electronic payment using near field communication of NFC (Near Field Communication) represented by Felica (registered trademark) is generally popular. In such electronic payment, for example, billing payment can be performed simply by bringing a card incorporating a non-contact IC chip, a smart phone, a mobile phone terminal, or the like close to (holding over) the reader / writer device. For this reason, a smartphone or a mobile phone terminal having such an electronic settlement function is likely to use an amount of money that is easily deposited when it is misplaced or stolen, so that high security is required.

  On the other hand, as a technique for ensuring the security of a mobile information terminal such as a smartphone or a mobile phone terminal having an electronic settlement function, for example, in Patent Document 1 below, a mobile information terminal and a key unit (wirelessly connected thereto) are disclosed. A system composed of terminals) is described. In such a system, the portable information terminal checks the distance from the key unit based on the intensity level of the radio wave received from the key unit, and regulates the use of the electronic payment function when it is equal to or greater than the predetermined distance. This is to ensure security.

JP 2007-19748 A

  However, the above technique has the following problems because the distance between the portable information terminal and the key unit is determined based on the intensity level of the radio wave received from the key unit. In other words, if the reception environment of radio waves is poor due to the influence of electronic devices outside the system and it is determined that the distance to the key unit is longer than the actual distance, the use of the electronic payment function is erroneously restricted. There was a problem.

  Such a problem can be avoided by, for example, setting a wide distance range between the portable information terminal and the key unit that allows the use of the electronic payment function in advance. However, in the case where the portable information terminal is stolen, It is not realistic because it drops.

  In addition to the above, in a state where the distance between the key unit and the electronic payment function can be used, even if the portable information terminal is in the pocket, for example, the same function as the reader / writer device from the outside. There is also a problem that it is not possible to completely prevent skimming in which information is read from the non-contact IC chip by causing the non-contact IC chip to perform a pseudo-settlement process by bringing the device equipped with

  The present invention has been made in view of such conventional problems, and an information processing system capable of improving the security of a portable information terminal while ensuring the reliability of operation when using an electronic payment function, and a wireless communication system An object is to provide a terminal and an electronic payment method.

In order to solve the above-mentioned problem, in the invention according to the first aspect,
In an information processing system including a portable information terminal having an electronic payment function and a wireless terminal that wirelessly communicates with the portable information terminal, the wireless terminal performs electronic payment from the portable information terminal while being authenticated by the portable information terminal. When a notification signal notifying that processing is necessary is received, confirmation request means for requesting a predetermined operation for instructing the user to perform electronic payment processing, and electronic payment in response to the predetermined operation by the user Execution instruction means for transmitting an execution instruction signal for instructing execution of processing to the portable information terminal. The portable information terminal has a payment means for performing electronic payment processing and a request to start electronic payment processing. A notification means for transmitting the notification signal to the wireless terminal; and an electronic payment process for the payment means, provided that the execution instruction signal is received from the wireless terminal. And a payment control means for line, characterized in that.

  In the invention according to the second aspect, in a wireless terminal in an information processing system including a portable information terminal having an electronic payment function and a wireless terminal that wirelessly communicates with the portable information terminal, the portable information terminal is authenticated. A confirmation requesting means for requesting a predetermined operation for instructing the user to execute the electronic payment process when receiving a notification signal notifying that the electronic payment process is necessary from the portable information terminal And an execution instruction means for transmitting an execution instruction signal for instructing execution of an electronic payment process to the portable information terminal in response to the predetermined operation by the person.

  ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to improve the security of a portable information terminal, ensuring the reliability of operation | movement at the time of use of an electronic payment function.

It is a figure which shows embodiment of this invention, Comprising: While it is a top view which shows a smart phone and a wrist terminal, it is explanatory drawing of a pairing process. It is a schematic block diagram which shows the circuit structure of a smart phone. It is a schematic block diagram which shows the circuit structure of a wrist terminal. It is a flowchart which shows the pairing process of a smart phone and a wrist terminal. It is a flowchart which shows operation | movement with the smart phone and wrist terminal in the standby state after pairing. It is explanatory drawing which shows the usage pattern of the electronic payment function in a smart phone.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a plan view showing a smart phone 1 to which the present invention is applied and a wrist terminal 2 that is wirelessly connected to the smart phone 1 by short-range wireless communication such as Bluetooth (registered trademark) and can exchange data. is there.

  As is well known, the smartphone 1 includes a vertically long apparatus main body 101 and a vertically long display unit 102 and a touch panel 103 arranged on the apparatus main body 101. The wrist terminal 2 is a wristwatch type that can be worn on the wrist of a human body, and includes a case 201, a display unit 202 and a touch panel 203 arranged on the case 201, and wristbands 204 attached to both ends of the case 201. It consists of

  FIG. 2 is a schematic block diagram illustrating a circuit configuration of the smartphone 1. Reference numeral 102 denotes the display unit, which includes the LCD arranged as described above, a drive circuit for driving the LCD, and the like. A display control unit 104 controls the display state of the display unit 102. An input unit 105 includes various keys and switches, and includes the touch panel 103.

  A CPU 106 controls the entire smartphone 1. A program memory 107 stores a control program 1071 and a pairing program 1072 in advance, and various application programs 1073 and the like.

  The control program 1071 is a basic control program for controlling the entire smartphone 1, and the pairing program 1072 is a program for establishing pairing (authentication procedure) with an arbitrary wrist terminal 2.

  Reference numeral 108 denotes a wireless I / F that transmits / receives data to / from the wrist terminal 2 by short-range wireless communication. Reference numeral 109 denotes a communication I / F that links to various servers on the Internet using Wi-Fi or the like. Various servers include servers that provide various application programs (so-called application stores), and the program memory 107 includes application programs downloaded from the servers.

  Reference numeral 110 denotes an RFID (Radio Frequency Identification) unit, which performs electronic payment by close range communication by NFC with an external reader / writer device. The RFID unit 110 includes a loop antenna that transmits and receives data for electronic payment, and a non-contact IC chip.

  The non-contact IC chip stores a control circuit that performs electronic payment processing with a reader / writer device via a loop antenna, and value information (balance information and point information) such as electronic money, electronic ticket, and point service. Non-volatile memory.

  The non-contact IC chip is an active type driven by the power supplied from the power source (not shown) of the smartphone 1, and the power source (not shown) of the smartphone 1 only when electronic payment is performed under the control of the CPU 106. The power is supplied from The non-contact IC chip performs electronic payment processing and rewrites the value information stored in the memory.

  Further, the RFID unit 110 detects a detection signal when the loop antenna receives a radio wave (carrier wave) at a level capable of communication from an external reader / writer while the smartphone 1 is operating, and notifies the CPU 106 of the detection. Is included.

  Note that the smartphone 1 includes a voice input circuit that modulates and transmits input voice, a transmission circuit, a reception circuit that receives and receives a received voice signal, a playback circuit, and the like in order to perform telephone communication. The illustration and description of these known circuits are omitted.

  FIG. 3 is a schematic block diagram illustrating a circuit configuration of the wrist terminal 2. The wrist terminal 2 has substantially the same configuration as that of the smartphone 1 except that the wrist terminal 2 includes the clock unit 211. That is, reference numeral 202 denotes the display unit, which includes an LCD and a drive circuit for driving the LCD. A display control unit 204 controls the display state of the display unit 202. An input unit 205 includes various keys and switches, and includes the touch panel 203.

  A CPU 206 controls the entire wrist terminal 2. A program memory 207 stores a control program 2071 and a pairing program 2072 in advance. The control program 2071 is a basic control program for controlling the entire wrist terminal 2, and the pairing program 2072 is a program for establishing pairing with the smartphone 1. A wireless I / F 208 performs the wireless link with the smartphone 1.

  Next, the operation of the present embodiment will be described based on a flowchart and the like. In the following description, the smartphone is referred to as “smartphone” for convenience.

  FIG. 4 is a flowchart showing pairing processing by Bluetooth between the smartphone 1 and the wrist terminal 2. The pairing process is performed when both CPUs 106 and 206 execute processes according to the pairing programs 1072 and 2072, respectively. The pairing process between the smartphone 1 and the wrist terminal 2 in the present embodiment will be described based on the flowchart of FIG. 1 and the explanatory diagram of FIG.

  As shown in FIG. 5A, the smartphone 1 searches for the nearest wrist terminal 2 in a state where Bluetooth (or Wi-Fi) is set and close proximity wireless communication is possible (step SA1). On the other hand, the wrist terminal 2 searches for a nearby smartphone in a state where Bluetooth (or Wi-Fi) is set as shown in FIG. 5B and close proximity wireless communication is possible (step SB1). At this time, if the smartphone 1 and the wrist terminal 2 of the user who is not paired are close to each other, the smartphone 1 and the wrist terminal 2 repeat transmission and reception on the nearby radio, respectively, Explore.

  When the search for a nearby partner device is completed, the smartphone 1 transmits a connection request to the wrist terminal 2 (step SA2, FIG. 1 (1)), and the wrist terminal 2 transmits a connection request to the smartphone 1 (step SB2). FIG. 1 (2)). Then, it is determined whether or not mutual communication has been established by the connection request from each of these devices (steps SA3 and SB3). If mutual communication by the connection request is established (step SA3: YES), the smartphone 1 issues a pairing completion notification to the wrist terminal 2 (step SA4, FIG. 1 (3)). The wrist terminal 2 determines whether or not a pairing completion notification is received from the smartphone 1 (step SB4).

  After the mutual communication with the smartphone 1 is established (step SB3: YES), the wrist terminal 2 receives a pairing completion notification (step SB4: YES), generates a passkey and displays it on the display unit 202, for example, 30 Seconds are displayed (step SB5, FIG. 1 (4)). The user of the smartphone 1 and the wrist terminal 2 visually recognizes the pass key displayed on the display unit 202 of the wrist terminal 2, operates the key of the input unit 105 of the smartphone 1, and inputs the pass key. As a result, the input unit 105 of the smartphone 1 inputs a pass key corresponding to the operated key to the CPU 106 (step SA5).

  Subsequently, the smartphone 1 determines whether or not the input passkey satisfies the input condition. Here, the input condition is, for example, whether the issued passkey is input within 30 seconds, as described in FIG. The input limit number is up to 3. If these input conditions are not satisfied (step SA6: NO), the process returns to step SA1.

  On the other hand, if the input condition is satisfied (step SA6: YES), the connection is completed (step SA7), and the paired (mutually authenticated) smartphone 1 and wrist terminal 2 are identified using the passkey as identification information. Communication settings are automatically performed so that they can communicate with each other. In addition, after pairing is performed, the smartphone 1 and the wrist terminal 2 stop communication and enter a standby state in which communication is performed as necessary.

  Next, operations of the smartphone 1 and the wrist terminal 2 according to the present invention will be described. FIG. 5 is a flowchart showing the operation of the smartphone 1 performed by the CPU 106 executing the control program 1071 and the operation of the wrist terminal 2 performed by the CPU 206 executing the control program 2071 after the above-described pairing process. It is.

  As shown in FIG. 5A, after pairing is performed and the mobile phone 1 enters a standby state, the smartphone 1 sequentially checks whether there is a request for electronic payment (step SA101). Here, the request for electronic payment is a request for starting communication for electronic payment by an arbitrary reader / writer device used for electronic payment. The smartphone 1 has a loop antenna in the RFID unit 110 connected from the reader / writer. Whether or not there is a request for electronic payment is confirmed by confirming whether or not a radio wave (carrier wave) of a communicable level has been received.

  If there is no request for electronic settlement (step SA101: NO), the smartphone 1 maintains the standby state as it is. Thereafter, when the electronic payment is requested by the smartphone 1, that is, when the user brings the smart phone 1 close to an arbitrary reader / writer device 500 as shown in FIG. (SA101: YES), a notification signal indicating that there is a request for electronic payment is transmitted to the wrist terminal 2 (step SA102).

  Thereafter, after transmitting the notification signal to the wrist terminal 2, the smartphone 1 waits for an instruction for electronic settlement from the wrist terminal 2 (step SA103). That is, it waits until it receives an execution instruction signal or an execution impossibility signal which will be described later.

  On the other hand, as shown in FIG. 5B, after the pairing is performed and the standby state is established, the wrist terminal 2 is in a state of waiting for the notification signal from the smartphone 1.

  When the wrist terminal 2 receives the notification signal (step SB101: YES), the wrist terminal 2 immediately displays the settlement confirmation screen G shown in FIG. 6 on the display unit 202 (step SB102). Here, the payment confirmation screen G displayed by the wrist terminal 2 requests an operation to instruct the user to execute the payment. In this embodiment, as shown in FIG. It is a screen composed of a message m such as “?” And a payment confirmation button b on which characters “permitted” are displayed.

  Subsequently, after starting the waiting time counting (step SB103), the wrist terminal 2 confirms whether or not the user has performed an instruction to execute the payment, that is, whether or not the permission button b on the payment confirmation screen G has been touched by the user. (Step SB104).

  If it can be confirmed that the user has performed an instruction to execute the payment (step SB104: YES), the wrist terminal 2 transmits an execution instruction signal instructing execution of the electronic payment process to the smartphone 1 (step SB105). Thereafter, the process returns to step SB101 to repeat the above-described operation.

  Further, if the payment execution instruction operation by the user cannot be confirmed (step SB104: NO), the wrist terminal 2 performs the payment execution instruction operation by the user until the waiting time reaches a specified time (step SB106: NO). Repeatedly check for the presence or absence.

  If the waiting time reaches a predetermined time before the payment execution instruction operation can be confirmed (step SB106: YES), the wrist terminal 2 gives an execution disable signal indicating that the electronic payment process cannot be executed. The data is transmitted to the smartphone 1 (step SB107), and then the process returns to step SB101 to repeat the above-described operation.

  On the other hand, after transmitting the notification signal to the list terminal 2 as described above, the smartphone 1 receives an instruction for electronic payment from the list terminal 2 (step SA103: YES), and the instruction content instructs execution of the electronic payment process. If the execution instruction signal is received from the wrist terminal 2 (step SA104: YES), electronic settlement processing is executed (step SA105).

  In step SA105, the smartphone 1 supplies and drives power to the contactless IC chip of the RFID unit 110 to perform electronic payment processing with the reader / writer device 500. When the electronic payment processing is completed, the smartphone 1 Stop power supply to the chip.

  Thereafter, the smartphone 1 returns to Step SA101 and repeats the above-described operation.

  Further, after transmitting the notification signal to the wrist terminal 2, the smartphone 1 receives an instruction for electronic payment from the wrist terminal 2 (step SA103: YES), and the content of the instruction prohibits execution of the electronic payment processing. In other words, if an execution disable signal is received from the wrist terminal 2 (step SA105: NO), nothing is done and the process returns to step SA101 and the above-described operation is repeated.

  As described above, in the system according to the present embodiment, when the smartphone 1 and the wrist terminal 2 are paired in advance, when the electronic payment function of the smartphone 1 is used, the payment execution instruction operation at the wrist terminal 2 is performed. Can be indispensable. Thereby, even if the smartphone 1 is misplaced or stolen, the electronic settlement function is not used by another person, and the security in such a case can be improved. Furthermore, even if skimming is attempted without the user's knowledge, it can be completely prevented.

  Moreover, when the user uses the electronic payment function, there is no problem as long as the smartphone 1 and the wrist terminal 2 can communicate with each other even if the radio wave reception environment is bad due to the influence of an electronic device outside the system. Electronic payment can be made.

  Therefore, according to the system of the present embodiment, the security of the smartphone 1 can be improved while ensuring the certainty of the operation when using the electronic settlement function.

  Further, in this embodiment, the payment execution instruction operation in the wrist terminal 2 is a simple operation of simply touching the permission button b, so that the workability of the electronic payment is not greatly reduced.

  In the above description, the smartphone 1 is paired with the wrist terminal 2 by operating according to the pairing program 1072 stored in advance in the program memory 107 and operated according to the control program 1071, thereby A description has been given of executing electronic payment processing with the writer device 500 on condition that the execution of the electronic payment processing is instructed from the wrist terminal 2.

  However, the above-described operation in the smartphone 1 is based on a predetermined application program 1073 stored as appropriate in the program memory 107 by the user, that is, an application program downloaded and installed from any commercial download site on the Internet. It doesn't matter.

  In this case, the present invention can be implemented even if an existing one that does not have the control program 1071 and the pairing program 1072 prepared in advance is used as the smartphone 1. Furthermore, the smartphone 1 and the wrist terminal 2 can be paired using an arbitrary communication method including a unique communication method that is not general-purpose, and the usable wrist terminal 2 can be widened.

  In this embodiment, the wristwatch type wrist terminal 2 is exemplified as the wireless terminal of the present invention. However, the present invention is applied to any wireless terminal as long as it can be paired with a portable information terminal such as a smartphone 1. can do. However, the wireless terminal such as the wrist terminal 2 is preferably worn by the user. In this case, human body communication using, for example, a human body as a transmission medium may be employed for communication between the portable information terminal and the wireless terminal. Human body communication, for example, by a current system that applies a weak current to the human body, an electric field system that uses a change in the electric field generated on the surface of the human body, a UHF radio system that propagates UHF radio waves along the surface of the human body, etc. There is.

  Further, in this embodiment, the instruction operation for executing the settlement, which is a predetermined operation, is a one-touch operation (a touch operation of the permission button b on the settlement confirmation screen G). Fingerprint authentication or password input at the wrist terminal 2 may be used.

As mentioned above, although embodiment of this invention and its modification were demonstrated, as long as these are in the range with which the effect of this invention is obtained, it can change suitably, and embodiment after change is also in a claim. It is included in the scope of the invention described and equivalent invention.
The invention described in the scope of the claims of the present application will be appended below.
[Claim 1]
In an information processing system including a portable information terminal having an electronic payment function and a wireless terminal that wirelessly communicates with the portable information terminal, the wireless terminal performs electronic payment from the portable information terminal while being authenticated by the portable information terminal. When a notification signal notifying that processing is necessary is received, confirmation request means for requesting a predetermined operation for instructing the user to perform electronic payment processing, and electronic payment in response to the predetermined operation by the user Execution instruction means for transmitting an execution instruction signal for instructing execution of processing to the portable information terminal. The portable information terminal has a payment means for performing electronic payment processing and a request to start electronic payment processing. A notification means for transmitting the notification signal to the wireless terminal; and an electronic payment process for the payment means, provided that the execution instruction signal is received from the wireless terminal. An information processing system including a payment control means for line, characterized in that.
[Claim 2]
The electronic payment process performed by the payment means is an electronic payment process by non-contact data communication with an external reader / writer device, and the notification means receives a request for starting the electronic payment process from the reader / writer device. The information processing system according to claim 1, wherein the notification signal is transmitted to the wireless terminal.
[Claim 3]
In a wireless terminal in an information processing system including a portable information terminal having an electronic payment function and a wireless terminal wirelessly communicating with the portable information terminal, electronic payment processing is performed from the portable information terminal while being authenticated by the portable information terminal. When a notification signal notifying that it is necessary is received, confirmation request means for requesting a predetermined operation for instructing the user to execute electronic payment processing, and responding to the predetermined operation by the user, An execution instruction means for transmitting an execution instruction signal for instructing execution to the portable information terminal.
[Claim 4]
The wireless terminal according to claim 3, wherein the predetermined operation is a one-touch operation on the wireless terminal.
[Claim 5]
The wireless terminal according to claim 3, wherein the predetermined operation is a password input operation for the wireless terminal.
[Claim 6]
6. The wireless terminal according to claim 3, wherein the wireless terminal is a wristwatch type.
[Claim 7]
A step of causing a portable information terminal having an electronic payment function to authenticate a wireless terminal that wirelessly communicates with the portable information terminal; and a notification signal that informs the portable information terminal when there is a request to start electronic payment processing. Transmitting to the wireless terminal; causing the wireless terminal to request a predetermined operation for instructing the user to execute electronic payment processing when receiving a notification signal; and causing the wireless terminal to A step of transmitting an execution instruction signal instructing execution of electronic payment processing to the portable information terminal in response to the predetermined operation by the mobile information terminal, and the portable information terminal receiving the execution instruction signal from the wireless terminal And a step of executing an electronic payment process on the condition.
[Claim 8]
A computer included in a wireless terminal in an information processing system including a portable information terminal having an electronic payment function and a wireless terminal that wirelessly communicates with the portable information terminal is electronically transferred from the portable information terminal to the portable information terminal. When a notification signal notifying that payment processing is necessary is received, confirmation request means for requesting a predetermined operation for instructing the user to perform electronic payment processing, and responding to the predetermined operation by the user, A program causing an execution instruction signal to instruct execution of a payment process to be transmitted to the portable information terminal.

1 Smartphone (smartphone)
2 List terminal 102 Display unit 103 Touch panel 105 Input unit 106 CPU
DESCRIPTION OF SYMBOLS 110 RFID part 202 Display part 203 Touch panel 205 Input part 211 Clock part 1071 Control program 1072 Pairing program 1073 Application program 2071 Control program 2072 Pairing program

Claims (8)

In an information processing system including a portable information terminal having an electronic payment function and a wireless terminal that wirelessly communicates with the portable information terminal,
The wireless terminal is
When a notification signal notifying that the electronic payment process is necessary is received from the portable information terminal while being authenticated by the portable information terminal, a predetermined operation for instructing the user to execute the electronic payment process is requested. Confirmation request means;
An execution instruction means for responding to the predetermined operation by a user and transmitting an execution instruction signal for instructing execution of an electronic payment process to the portable information terminal;
The portable information terminal
A payment means for electronic payment processing;
A notification means for transmitting the notification signal to the wireless terminal when there is a request to start electronic payment processing;
Payment control means for causing the payment means to execute electronic payment processing on condition that the execution instruction signal is received from the wireless terminal;
An information processing system characterized by this. The electronic payment processing performed by the payment means is an electronic payment processing by contactless data communication with an external reader / writer device,
The information processing system according to claim 1, wherein the notification unit transmits the notification signal to the wireless terminal when an electronic payment processing start request is issued from the reader / writer device. In a wireless terminal in an information processing system including a portable information terminal having an electronic payment function and a wireless terminal wirelessly communicating with the portable information terminal,
When a notification signal notifying that the electronic payment process is necessary is received from the portable information terminal while being authenticated by the portable information terminal, a predetermined operation for instructing the user to execute the electronic payment process is requested. Confirmation request means;
A wireless terminal comprising: an execution instruction means for transmitting an execution instruction signal instructing execution of an electronic payment process to the portable information terminal in response to the predetermined operation by a user.   The wireless terminal according to claim 3, wherein the predetermined operation is a one-touch operation on the wireless terminal.   The wireless terminal according to claim 3, wherein the predetermined operation is a password input operation for the wireless terminal.   6. The wireless terminal according to claim 3, wherein the wireless terminal is a wristwatch type. Allowing a portable information terminal having an electronic payment function to authenticate a wireless terminal that wirelessly communicates with the portable information terminal;
When the mobile information terminal has a request to start electronic payment processing, a notification signal notifying that is sent to the wireless terminal;
Requesting a predetermined operation to instruct the user to execute an electronic payment process when the wireless terminal receives the notification signal;
A step of causing the wireless terminal to transmit an execution instruction signal instructing execution of electronic payment processing to the portable information terminal in response to the predetermined operation by the user;
And a step of causing the portable information terminal to execute an electronic payment process on the condition that the execution instruction signal is received from the wireless terminal. A computer having a wireless terminal in an information processing system including a portable information terminal having an electronic payment function and a wireless terminal wirelessly communicating with the portable information terminal;
When a notification signal notifying that the electronic payment process is necessary is received from the portable information terminal while being authenticated by the portable information terminal, a predetermined operation for instructing the user to execute the electronic payment process is requested. Confirmation request means;
A program that functions as an execution instruction unit that transmits an execution instruction signal for instructing execution of an electronic payment process to the portable information terminal in response to the predetermined operation by a user.

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