JP2016028352A - Management server, and program executed in information terminal device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a control method of a portable information terminal device for previously preventing overuse by a user even in electronic settlement employing a post-pay system.SOLUTION: A management server stores account settlement data of unit transactions relating to a settlement by communication between information terminal devices and settlement terminal devices that can communicate with the information terminal devices, and displays information based on the settlement data on a plurality of unit transactions by arranging along with date on the basis of a display order.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a management server that manages a payment made by an information terminal device and a program executed by the information terminal device that performs the payment.

  In recent years, there is a payment service called Osaifu-Keitai (registered trademark) and put on the market. This service uses a mobile phone with a built-in non-contact IC card capable of non-contact transmission and reception of data with the outside. Hold the mobile phone over the card interface module connected to the POS connected to an external payment server via a communication network (wired / wireless), authenticate with the contactless IC card in the mobile phone, and settle after the authentication process I do.

  Most of the payments made with this Osaifu-Keitai are made by prepaid electronic payments, but there are some that can make card payments by postpay in cooperation with a credit card company. In such electronic payment, in order to increase the safety and reliability of payment, there have been proposals related to security (for example, see Patent Document 1). This is to perform user authentication when the payment amount of the card exceeds the accumulated payment amount used in the past (abnormal payment).

Not only such Osaifu-Keitai, but when an abnormal payment is made, there are some card companies that carry out an artificial service in which the cardholder receives a call from the operator and confirms verbally. .
Recently, there are also card companies that do not require the input of a signature or a password only for small payments at convenience stores and supermarkets. Patent Document 2 is known as a method for executing settlement on the premise of input of a personal identification number.

JP 2006-148463 A JP 2003-016398 A

  When making payments using cash, there is an act of physically moving banknotes and money, etc., so the amount of money used by the user can be grasped sensibly, exceeding the amount of banknotes and money on hand. You can't do any shopping. However, in the case of electronic payment, money as a visually visible object does not move, but electronic money moves electronically. Therefore, at first, like prepaid Edy (registered trademark) and airline companies use mileage (boarding distance), etc. to convert their original electronic money to points and charge them to ICs in the card. There were many things. Further, in recent years, as described above, a method of making a payment with a preset limit amount by a post-pay method is gradually being adopted. The problem here is overuse. However, the above-described conventional technology is only a proposal of technology from the viewpoint of keeping the limit of use low even if an accident such as unauthorized use by a third party or an unauthorized use by a third party occurs.

  In addition, in the case of the prepaid method, the amount deposited in advance is displayed, but in the case of the postpay method, since it is not deposited, such a display is not made, and up to the limit amount and the time point The amount of money is not displayed due to leakage of personal information. For example, it is preferable not to transmit the accumulated usage amount data of the personal card to a POS such as a store because of a problem that is concerned about leakage of personal information. As you can imagine, no one should like to know the accumulated payment amount of individuals such as store clerk.

  Furthermore, the post-pay method is expected to be a problem in the case of small-scale payments that do not require a PIN as described above. If you carry out payment by holding your mobile phone or IC card over the card reader, , But the potential for problems will be low, but when making payments by leaving a mobile phone or card to a store clerk, multiple payments may be made by mistake, or payment for products that have not been purchased is incorrect. For example, if a genuine payment is made after the payment is made, the owner of the card will report that the card has been used illegally, even if the receipt as a copy of the card is returned. You will not notice it until it is mailed.

  The present invention has been made in view of the above-described points, and an object of the present invention is to control a portable information terminal device that can prevent overuse of a user even in electronic payment employing a post-pay method. It is to provide a method.

The control method of the portable information terminal device of the present invention is connected to one of a plurality of management servers each managing a payment function by a postpaid method or a prepaid method and each belonging to a different payment service system through a communication line, A control method for a portable information terminal device that transmits and receives identification data for payment and payment data indicating a payment amount with a reading / writing device of a payment terminal device installed at a payment destination such as a store. ,
The information terminal device
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
A clock section capable of outputting date and time data;
While storing the identification data for executing payment in the management server for each payment service system in a non-rewritable state,
Payment data of unit transactions to be settled at the payment terminal device can be received by wireless communication between the transmission / reception unit and the reading / writing device, and can be written and stored in association with date / time data at the time of reception. A storage unit;
A display unit that displays information related to the payment data received and stored in the storage unit by wireless communication between the transmission / reception unit and the reading / writing device;
A control unit, and
The control unit sets identification data used for wireless communication of data with the reading / writing device based on the selection of a payment service system for payment,
And received by the wireless communication between the reading and writing device and the transceiver unit, the settlement data unit transactions are settled before Symbol settlement terminal device, stored in the storage unit,
Control processing for displaying information based on the settlement data for the plurality of unit transactions together with the date and time based on the display order and displaying the information on the display unit is executed.
The following invention is inherent in the description of the embodiment of the present invention.
The first portable information terminal device is connected to a management server that manages a payment function by a post-payment method through a communication line, and between a reading / writing device of a payment terminal device installed at a payment destination such as a store. A portable information terminal device for transmitting and receiving identification data for payment and payment data indicating a payment amount,
In the portable information terminal device, a transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication,
A storage unit that stores, in a non-rewritable state, identification data for executing settlement on the management server from the transmission / reception unit, receives and writes and stores settlement data of unit transactions that are settled at the settlement terminal;
A display unit for displaying information related to the settlement data;
And a control unit that displays the settlement data stored in the storage unit on the display unit.

  A method of displaying a payment amount on the display provided in the reading / writing device of the settlement terminal device is also conceivable, but it is a problem that such a display disappears in an instant. However, if the information is written on an information terminal device, particularly an electronic paper to be described later that does not disappear unless overwritten, the time can be sufficiently confirmed. In addition, in the case of electronic paper, if the history of multiple payments can be displayed, if an information terminal device for payment is assigned to a store clerk, multiple payments are made by mistake, or malicious Even if an unsettled payment is made, the history is displayed on the display unit of the information terminal device, so that an erroneous payment can be prevented.

  The feature of the second portable information terminal device of the present invention is that, unlike the first portable information terminal device, the accumulated payment amount within a predetermined period is displayed on the display unit. Further, the cumulative calculation process is performed independently in a portable information terminal device.

Specifically, identification for settlement between a management server that manages a settlement function by a post-payment method and a communication terminal connected to a reading / writing device of a settlement terminal device installed at a settlement destination such as a store A portable information terminal device for transmitting and receiving data and payment data indicating a payment amount,
In the portable information terminal device, a transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication,
A storage unit that stores, in a non-rewritable state, identification data for executing settlement on the management server from the transmission / reception unit, receives and writes and stores settlement data of unit transactions that are settled at the settlement terminal;
A control unit that cumulatively adds settlement data of unit transactions stored in the storage unit, and stores cumulative payment amount data indicating the added cumulative payment amount in the storage unit;
It is characterized by comprising a display unit that displays the accumulated settlement amount data stored in the storage unit as a numerical value under the control of the control unit.

  According to the portable information terminal device, the user of the information terminal device can recognize the accumulated payment amount, so that it can judge whether or not it is overused, and even in the post-payment method There is a possibility that it can be attracted so that it can be used appropriately and systematically.

  Further, according to the portable information terminal device, when payment data from the payment terminal device is received, the accumulated payment amount data can be generated by the information terminal device itself, so that personal information possessing the information terminal device leaks. Can be prevented.

Furthermore, when a predetermined period for calculating the sum of accumulated payment amounts is set by the input unit and a clock unit that can be input by the user, the predetermined period is stored in the storage unit,
The control unit automatically resets accumulated settlement amount data to zero when the predetermined period has elapsed.

  In the portable information terminal device, when the accumulated payment amount settled is accumulated and displayed on the display unit of the information terminal device independently without involvement of an external management device such as a management server, for example, a card It is assumed that the payment amount corresponding to the monthly cumulative payment amount used between the company closing date and the next closing date does not match the accumulated payment amount data displayed on the display unit. The reason that there is a possibility that they do not match is that the latter data is cumulative data in a period set by the user.

  As an example, it is assumed that the user sets a predetermined period during which the accumulated payment amount is added by input to the input unit as described above. Assuming this case, the portable information terminal receives the accumulated settlement amount managed by the card company for the user who has previously approved that the accumulated settlement amount data may be leaked to a third party. Created to be displayed on the display part of the device.

Specifically, in addition to the characteristics of the second portable information terminal device, the management server capable of transmitting and receiving data to and from the portable information terminal device is preset for each identification data of each information terminal. The sum of the settlement amounts settled within the period is calculated as the accumulated settlement amount based on the settlement data received from the settlement terminal device, and the calculated accumulated settlement amount is stored in the information terminal device as the accumulated settlement amount data of the management server. Assuming that it is configured to have a cumulative payment amount control device to send,
Accumulated amount data of the management server is received via the transmission / reception unit of the portable information terminal device and stored in a storage unit, and the control unit displays the accumulated amount data of the management server stored in the storage unit It is characterized by being displayed on the part.

  Next, the above-described invention is an invention from the viewpoint of a portable information terminal device, but if the invention is grasped from the above-mentioned viewpoint from the management server side, the following invention can be provided. .

That is, a management server that manages a settlement to be settled by a postpay method,
Payment information related to payment by communication between a payment terminal device capable of communicating with the information terminal device, a payment information storage device for storing payment information transmitted from the payment terminal device;
A cumulative payment amount control device for calculating a sum of payment amounts settled in a predetermined period as the cumulative payment amount displayed on the information terminal device based on the payment information, and transmitting the calculated cumulative payment amount to the information terminal device; It consists of

  The above-described post-payment method means a so-called post-pay method, and is a method of performing a settlement process after settlement. In this specification, payment means electronic payment in which data indicating that a user intends to pay money as a price for goods or services is transmitted via a payment terminal. In other words, in the post-payment method, after displaying the intention of settlement, when paying money as the price of goods or services, instead of paying with actual cash such as coins and banknotes, payment is made by sending and receiving electronic data. It means paying as a corresponding clearing.

  In addition, the payment information includes information for identifying the user who made the payment, the date and time when the payment was made, the credit number used in the payment, the member store (store) where the payment was made, Information related to payment, such as service and payment amount.

  According to the configuration described above, the total payment amount (cumulative payment amount) settled in a predetermined period is transmitted to the information terminal device. Since the user of the information terminal device can recognize the accumulated payment amount, he / she can determine whether or not he / she is using too much, and can use it appropriately and systematically even in the postpay system. it can.

Other features from the perspective of the management server are:
The management server includes a settlement period storage device that stores a period set by the user as the predetermined period.

  According to this configuration, since the user can set the predetermined period, it can be determined as appropriate according to the usage status of the user and the timing of settlement.

  Further, it is determined whether or not the calculated accumulated payment amount exceeds a predetermined amount, and if it exceeds, information indicating that the accumulated payment amount has been exceeded may be transmitted to the information terminal device. In this way, not only the accumulated payment amount but also that the accumulated payment amount has exceeded a predetermined amount can be notified and warned to the user via the information terminal device, and the possibility of making the user aware of it. Can be increased.

In addition, other features from the perspective of the management server are:
The information terminal device is
A storage device for storing the accumulated settlement amount transmitted from the accumulated settlement amount control device;
And a display device that displays the accumulated settlement amount transmitted from the accumulated settlement amount control apparatus.

  According to this configuration, since the accumulated payment amount can be stored in the information terminal device, the accumulated payment amount can be displayed on the display device of the information terminal device even when communication is not possible or communication is difficult. The accumulated payment amount can be displayed at any time at a timing desired by the user regardless of the communication state to allow the user to recognize it. Further, since the accumulated payment amount can be displayed without communication, the communication cost can be reduced.

Furthermore, other features from the perspective of the management server are:
The information terminal device displays payment information for each payment on the display device.

  According to this configuration, not only the accumulated payment amount, which is the total amount of payments, can be displayed, but also payment information for each payment can be displayed. It is easy for the user to confirm whether or not there was a problem.

Other features from the perspective of the management server are:
The settlement period storage device stores a period set by the user as a card-corresponding predetermined period for each of a plurality of credit cards owned by the user,
The cumulative settlement amount control apparatus calculates, for each predetermined period corresponding to the card, a sum of settlement amounts settled during the predetermined period corresponding to the card as a cumulative settlement amount, and transmits the calculated cumulative settlement amount to the information terminal device. It is.

  According to this configuration, even when payment is made using a plurality of credit cards, a period can be determined for each credit card and the accumulated payment amount can be calculated. Can be managed collectively. In addition, the total amount of accumulated payment for each of the plurality of credit cards may be calculated and transmitted to the information terminal device. By doing in this way, even if it is a case where several credit cards are used properly, the total amount of accumulated payment amount can be displayed on an information terminal device, and a user can be made to recognize the use condition.

In addition, other features from the perspective of the management server are:
A program executed on an information terminal device that displays an amount related to a settlement to be settled by a postpay method,
A process for receiving a cumulative payment amount from a management server that manages payments, wherein, in the management server, a predetermined period based on payment information related to payment by communication with the payment terminal device that can communicate with the information terminal device A process of receiving the accumulated payment amount calculated from the sum of the payment amount settled in the process and transmitted from the management server;
And displaying the accumulated payment amount received on the display device of the information terminal device.

  According to this configuration, the total payment amount (cumulative payment amount) settled in a predetermined period is transmitted to the information terminal device. Since the user of the information terminal device can recognize the accumulated payment amount, he / she can determine whether or not he / she is using too much, and can use it appropriately and systematically even in the postpay system. it can.

Furthermore, other features from the perspective of the management server are:
A process in which a period input by a user operation from the input device of the information terminal apparatus is transmitted to the management server as the predetermined period.

  According to this configuration, since the user can set the predetermined period, it can be determined as appropriate according to the usage status of the user and the timing of settlement.

Other features from the perspective of the management server are:
Processing for storing the accumulated settlement amount transmitted from the management server;
And a process of displaying the accumulated settlement amount transmitted from the management server.

  According to this configuration, since the accumulated payment amount can be stored in the information terminal device, the accumulated payment amount can be displayed on the display device of the information terminal device even when communication is not possible or communication is difficult. The accumulated payment amount can be displayed and recognized by the user at a timing desired by the user regardless of the communication state. Further, since the accumulated payment amount can be displayed without communication, the communication cost can be reduced.

In addition, other features from the perspective of the management server are:
It has processing which displays the payment information for every payment on the display device.

  According to this configuration, not only the accumulated payment amount, which is the total amount of payments, can be displayed, but also payment information for each payment can be displayed. It is easy for the user to confirm whether or not there was a problem.

The present invention can further employ the following configurations.
(1) A payment terminal that manages a payment function by a post-payment method or a pre-payment method and is connected to one of a plurality of management servers belonging to different payment service systems through a communication line, and is installed at a payment destination such as a store A portable information terminal device that transmits and receives identification data for settlement and settlement data indicating a settlement amount with a reading / writing device of the apparatus,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
A clock section capable of outputting date and time data;
Storing the identification data for executing settlement in the management server for each settlement service system in a non-rewritable state;
Payment data of unit transactions to be settled at the payment terminal device can be received by wireless communication between the transmission / reception unit and the reading / writing device, and can be written and stored in association with date / time data at the time of reception. A storage unit;
A display unit that displays information related to the payment data received and stored in the storage unit by wireless communication between the transmission / reception unit and the reading / writing device;
An input unit that can be input by the user;
Based on an instruction for selecting a settlement service system input via the input unit, identification data used for wireless communication of data with the reading / writing device is set,
The settlement data received by wireless communication between the transmission / reception unit and the reading / writing device and stored in the storage unit is displayed on the display unit, and between the transmission / reception unit and the reading / writing device. A control unit that cumulatively adds settlement data of unit transactions received by wireless communication and stored in the storage unit, and stores cumulative payment amount data indicating the added cumulative payment amount in the storage unit, Prepared,
The storage unit can store settlement data of a plurality of unit transactions,
The control unit determines a display order based on date and time data associated with the settlement data for the plurality of unit transactions, and arranges information based on the settlement data for the plurality of unit transactions based on the display order. Display
The storage unit stores contrast amount data indicating a comparison amount for comparison with the accumulated settlement amount indicated by the accumulated settlement amount data,
The control unit numerically displays a difference between the accumulated payment amount indicated by the accumulated payment amount data and the comparison amount indicated by the comparison amount data, or the user visually recognizes an evaluation result obtained by evaluating the difference step by step. A portable information terminal device that displays in a possible manner.

According to the configuration of (1), the display unit that displays information related to the settlement data received and stored in the storage unit by wireless communication between the transmission / reception unit and the reading / writing device is displayed on the display unit. Information based on the payment data is displayed. Therefore, the user can confirm the amount of transactions in the past multiple times.
Further, the difference between the accumulated settlement amount and the comparison amount is numerically displayed, or an evaluation result obtained by evaluating the difference step by step is displayed in a manner that is visible to the user. Therefore, the user can grasp the difference between the accumulated settlement amount and the comparison amount by looking at the display content. Here, it is desirable that the comparison amount be input by the user via the input unit and stored in the storage unit as comparison amount data. Further, it is desirable that the amount of comparison that can be input via the input unit is smaller than the user's usage limit. According to such a configuration, the user can easily and timely grasp his / her usage status.
Furthermore, the user can use a plurality of payment service systems with one information terminal device, and can make the selection before the payment with the information terminal device.
Generally, the payment terminal device is installed within the reach of the user. However, depending on the store, the payment terminal device may be temporarily deposited with the store clerk, for example, table accounting, and the store clerk may act as a user for the payment. In such a case, the user may have difficulty in verbally telling the store clerk which payment service system is used due to, for example, the relationship with the attendant. According to the present invention, it is possible to set in advance which payment service system is used before making a payment, which is excellent in convenience.

  The prepaid payment service system according to the present invention manages a usable amount with an information terminal device (stores data indicating a usable amount in the information terminal device), and manages a usable amount with a management server. This is a concept that includes a system (which stores data indicating a usable amount of money in an information terminal device). In the present specification, it refers to both systems unless otherwise distinguished.

The present invention can further employ the following configurations.
(2) For payment between a management server that manages a payment function by a postpaid method or a prepaid method through a communication line and a reading / writing device of a payment terminal device installed at a payment destination such as a store A portable information terminal device that transmits and receives identification data and payment data indicating a payment amount,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
The identification data for executing the settlement in the management server is stored in a non-rewritable state, and the settlement data of the unit transaction settled in the settlement terminal device is transmitted between the transmission / reception unit and the reading / writing device. A storage unit capable of receiving and storing data by wireless communication;
A display unit that displays information related to the payment data received and stored in the storage unit by wireless communication between the transmission / reception unit and the reading / writing device;
A control unit for displaying settlement data received by wireless communication between the transmission / reception unit and the reading / writing device and stored in the storage unit on the display unit,
The storage unit can store settlement data of a plurality of unit transactions,
The said control part displays the information based on the said payment data about the said multiple unit transaction, The portable information terminal device characterized by the above-mentioned.

According to the configuration of (2), the display unit that displays information related to the settlement data received and stored in the storage unit by wireless communication between the transmission / reception unit and the reading / writing device is displayed on the display unit. Information based on the payment data is displayed. Therefore, the user can confirm the amount of transactions in the past multiple times.
Generally, the payment terminal device is installed within the reach of the user. However, depending on the store, the payment terminal device may be temporarily deposited with the store clerk, for example, table accounting, and the store clerk may act as a user for the payment. In such a case, there is a request for the user to confirm later whether or not the payment by the store clerk has been properly performed. Also, if such a post-confirmation function is provided, it becomes a deterrent to prevent fraudulent payments by store clerks, thereby contributing to the spread of payment services.

  In the configuration of (2) above, the timing at which the control unit displays information based on the settlement data for a plurality of unit transactions is not particularly limited. For example, the user inputs an instruction to request display via the input unit And the timing when a predetermined time has elapsed since the payment data was received.

The present invention can further employ the following configurations.
(2-1) In the configuration of (2),
It has a clock that can output date and time data,
The storage unit receives payment data of a unit transaction settled by the payment terminal device by wireless communication between the transmission / reception unit and the reading / writing device, and associates the data with date / time data at the time of reception. Write, remember,
The control unit determines a display order based on date and time data associated with the settlement data for the plurality of unit transactions, and arranges information based on the settlement data for the plurality of unit transactions based on the display order. indicate.

  According to the configuration of (2-1), since the user can confirm the time when the settlement is performed, it is possible to more surely confirm whether or not the settlement has been properly performed. Deterrence to prevent settlement can be further increased.

The present invention can further employ the following configurations.
(3) For settlement between a management server that manages a settlement function by a postpaid system or a prepaid system through a communication line and a reading / writing device of a settlement terminal device installed at a settlement destination such as a store A portable information terminal device that transmits and receives identification data and payment data indicating a payment amount,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
The identification data for executing the settlement in the management server is stored in a non-rewritable state, and the settlement data of the unit transaction settled in the settlement terminal device is transmitted between the transmission / reception unit and the reading / writing device. A storage unit capable of receiving and storing data by wireless communication;
Cumulative addition of settlement data of unit transactions received by wireless communication between the transmission / reception unit and the reading / writing device and stored in the storage unit, and the accumulated settlement amount indicating the added cumulative settlement amount A control unit for storing data in the storage unit,
The storage unit stores contrast amount data indicating a comparison amount for comparison with the accumulated settlement amount indicated by the accumulated settlement amount data,
The control unit numerically displays a difference between the accumulated payment amount indicated by the accumulated payment amount data and the comparison amount indicated by the comparison amount data, or the user visually recognizes an evaluation result obtained by evaluating the difference step by step. A portable information terminal device that displays in a possible manner.

  According to the configuration of (3), the difference between the accumulated settlement amount and the comparison amount is numerically displayed, or the evaluation result obtained by evaluating the difference step by step is displayed in a manner that can be visually recognized by the user. . Therefore, the user can grasp the difference between the accumulated settlement amount and the comparison amount by looking at the display content. Here, it is desirable that the comparison amount be input by the user via the input unit and stored in the storage unit as comparison amount data. Further, it is desirable that the amount of comparison that can be input via the input unit is smaller than the user's usage limit. According to such a configuration, the user can easily and timely grasp his / her usage status.

  For example, if the user's usage limit in a payment service system having a payment function by a post-payment method is 500,000 yen, it can be used up to 500,000 yen on the system, but the user can actually use up to 500,000 yen. The user rarely uses it, and in many cases, the user determines a limit amount (for example, monthly allowance, etc.) in addition to the limit amount on the system. In the past, it was the “wallet” that determined the maximum amount within it. In other words, the user has practically determined the limit within himself by putting only a usable amount of cash into the wallet. However, since there is nothing that plays the role of “wallet” in the payment using the information terminal device, the problem is that the user cannot know how much more can be used (ie, the balance in the “wallet”) was there. The present invention has successfully solved this problem.

Displaying the difference numerically is not only a display of the numerical value itself but also a concept including a display that visualizes the numerical value such as a display using a scale and a display by the number of pictures.
In addition, the evaluation result of evaluating the difference step by step is not particularly limited. For example, if the ratio of the difference to the comparison amount is 20% or more, the lamp provided in the information terminal device is lit in blue, When the ratio is less than 20% and 10% or less, the lamp is lit in yellow. When the ratio is less than 10% and 0% or more, the lamp is lit in red. If the difference is 10,000 yen or more, the lamp lights for a predetermined period when payment data is received, and if the difference is 5000 yen or more and less than 10,000 yen, the lamp is relatively slow. If the difference flashes and the difference is less than 5000 yen, the difference itself may be evaluated step by step such that the lamp flashes at a relatively high speed. The difference may be evaluated by evaluating the accumulated settlement amount and the comparison amount.

  In the configuration of (3) above, the user displays numerically the difference between the accumulated payment amount indicated by the accumulated payment amount data and the comparison amount indicated by the comparison amount data, or the evaluation result obtained by evaluating the difference step by step. The timing for displaying in a visually recognizable manner is not particularly limited, but it is desirable that the timing for receiving the settlement data be received. This is because the current usage status can be grasped in a timely manner at the timing of settlement.

  Conventionally, the contents of the “wallet” are usually checked when payment is made, and since the contents of the wallet have been confirmed at this time, it is necessary to open the wallet separately to confirm the contents of the wallet. There was no. However, in the payment service system, the remaining usable amount cannot be confirmed at the time of payment, and the remaining used amount must be confirmed on the web separately via the Internet. For example, the user name for login And the time required for downloading, password entry, and the time required for access were complicated. Also, depending on the radio wave conditions, the remaining usable amount may not be available via the Internet. If such a situation is replaced with an actual “wallet”, it may be cumbersome to open the “wallet” and confirm the contents, or it may not be possible to confirm the contents by opening the “wallet” depending on the surrounding environment. This is not a preferable situation from the viewpoint of user convenience. The present invention solves such a problem brilliantly, and brings the information terminal device in the payment service system closer to the “wallet”, thereby improving the convenience of the payment service system.

The present invention can further employ the following configurations.
(4) A payment terminal that manages a payment function by a postpaid method or a prepaid method and is connected to one of a plurality of management servers each belonging to a different payment service system through a communication line and installed at a payment destination such as a store A portable information terminal device that transmits and receives identification data for settlement and settlement data indicating a settlement amount with a reading / writing device of the apparatus,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
For each payment service system, a storage unit that stores identification data for executing payment on the management server in a non-rewritable state;
An input unit that can be input by the user;
A control unit that sets identification data used for wireless communication of data with the reading / writing device based on an instruction to select a settlement service system input via the input unit. A portable information terminal device.

According to the configuration of (4), the user can use a plurality of payment service systems by one information terminal device, and can make the selection before the payment by the information terminal device.
Generally, the payment terminal device is installed within the reach of the user. However, depending on the store, the payment terminal device may be temporarily deposited with the store clerk, for example, table accounting, and the store clerk may act as a user for the payment. In such a case, the user may have difficulty in verbally telling the store clerk which payment service system is used due to, for example, the relationship with the attendant. According to the present invention, it is possible to set in advance which payment service system is used before making a payment, which is excellent in convenience.

  The settlement service system is not particularly limited, and examples of the existing system include Edy (registered trademark), Suica (registered trademark), nanaco (registered trademark), WAON (registered trademark), and ICOCA (registered trademark). And prepaid payment service systems such as PASMO (registered trademark), and post-payment payment service systems such as iD (registered trademark), QUICPay, and PiTaPa (registered trademark).

The present invention can further employ the following configurations.
(5) Identification data for settlement between a management server that manages a settlement function by a post-payment method and a reading / writing device of a settlement terminal device that is connected to a settlement line such as a store through a communication line; A portable information terminal device that transmits and receives payment data indicating a payment amount,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
The identification data for executing the settlement in the management server is stored in a non-rewritable state, and the settlement data of the unit transaction settled in the settlement terminal device is transmitted between the transmission / reception unit and the reading / writing device. A storage unit capable of receiving and storing data by wireless communication;
A display unit that displays information related to the payment data received and stored in the storage unit by wireless communication between the transmission / reception unit and the reading / writing device;
Portable information comprising: a control unit that displays settlement data received by wireless communication between the transmission / reception unit and the reading / writing device and stored in the storage unit on the display unit Terminal device.

  According to the configuration of (5), the display unit displays information related to the payment data received and stored in the storage unit by wireless communication between the transmission / reception unit and the reading / writing device. Information related to the data can be easily and timely confirmed.

The present invention can further employ the following configurations.
(6) Identification data for settlement between a management server that manages a settlement function by a post-payment method and a reader / writer of a settlement terminal device that is connected to a settlement line such as a store and is connected through a communication line; A portable information terminal device that transmits and receives payment data indicating a payment amount,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
The identification data for executing the settlement in the management server is stored in a non-rewritable state, and the settlement data of the unit transaction settled in the settlement terminal device is transmitted between the transmission / reception unit and the reading / writing device. A storage unit capable of receiving and storing data by wireless communication;
Cumulative addition of settlement data of unit transactions received by wireless communication between the transmission / reception unit and the reading / writing device and stored in the storage unit, and the accumulated settlement amount indicating the added cumulative settlement amount A control unit for storing data in the storage unit;
A portable information terminal device comprising: a display unit configured to display the accumulated settlement amount data stored in the storage unit as a numerical value under the control of the control unit.

  According to the configuration of (6), since the accumulated payment amount can be confirmed, according to the portable information terminal device, the user of the information terminal device can recognize the accumulated payment amount, so that it is overused. It may be possible to determine whether or not the user is aware, and to be able to be attracted so that the post-payment method can be used appropriately and systematically. Further, according to the portable information terminal device, when payment data from the payment terminal device is received, the accumulated payment amount data can be generated by the information terminal device itself, so that personal information possessing the information terminal device leaks. Can be prevented.

The present invention can further employ the following configurations.
(7) The portable information terminal device according to (6),
When a predetermined period for calculating the sum of accumulated payment amounts is set by the input unit, the predetermined period is stored in the storage unit.
The control unit automatically resets accumulated settlement amount data to zero when the predetermined period has elapsed.

The present invention can further employ the following configurations.
(8) The portable information terminal device according to (6) or (7),
The management server calculates the sum of the settlement amount settled within a preset period for each identification data as the accumulated settlement amount based on the settlement data received from the settlement terminal device, and the calculated accumulated settlement A cumulative settlement amount control device that transmits the amount of money as cumulative settlement amount data of the management server to the information terminal device;
The management server receives the accumulated amount data of the management server via the transmission / reception unit and stores it in the storage unit, and the control unit displays the accumulated amount data of the management server stored in the storage unit on the display unit. Features.

The present invention can further employ the following configurations.
(9) Send / receive identification data for payment and payment data indicating the payment amount to / from a reading / writing device of a payment terminal device belonging to a plurality of payment service systems and installed at a payment destination such as a store. A portable information terminal device that can be connected through a communication line to a management server that manages a payment function in a post-payment payment service system,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
For each payment service system, identification data for executing payment in the management server is stored in a non-rewritable state, and payment data of a unit transaction to be settled in the payment terminal device is read from and written to the transmission / reception unit. It can be received and written and stored by wireless communication with the device, and
A storage unit that stores usable amount data related to an amount that can be used in the payment service system of the advance payment method;
When a unit transaction is settled by any one of a plurality of settlement service systems, if the available amount of the user in the settlement service system exceeds the amount of the unit transaction, the unit transaction A control unit that performs processing for performing partial settlement of the amount of money by the settlement service system and performing settlement of the remaining amount of the unit transaction by a settlement service system other than the settlement service system. A characteristic information terminal device.

The present invention can further employ the following configurations.
(10) Identification data and settlement amount for settlement with a reading / writing device of a settlement terminal device belonging to both the prepaid and postpayment settlement service systems and installed at a settlement destination such as a store. A portable information terminal device that can send and receive the payment data shown and is connected through a communication line to a management server that manages a payment function in a post-payment payment service system,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
For each payment service system, identification data for executing payment in the management server is stored in a non-rewritable state, and payment data of a unit transaction to be settled in the payment terminal device is read from and written to the transmission / reception unit. It can be received and written and stored by wireless communication with the device, and
A storage unit that stores usable amount data related to an amount that can be used in the payment service system of the advance payment method;
When the transaction amount data indicating the unit transaction amount in the advance payment system is received by the transmission / reception unit, and the amount indicated by the transaction amount data exceeds the usable amount indicated by the available amount data ,
Of the unit transaction amount indicated by the transaction amount data, for the amount less than or equal to the usable amount indicated by the available amount data, perform payment in the advance payment method payment service system,
Of the unit transaction amount indicated by the transaction amount data, for the amount that has not been settled by the prepaid settlement service system, wireless communication between the transmission / reception unit and the reading / writing device, An information terminal device comprising: a control unit that performs payment in a payment service system.

The present invention can further employ the following configurations.
(11) Identification data and settlement amount for settlement between the payment service system of the settlement terminal apparatus that belongs to both the prepaid and postpaid settlement service systems and is installed at a settlement destination such as a store. A portable information terminal device that can send and receive the payment data shown and is connected through a communication line to a management server that manages a payment function in a post-payment payment service system,
A transmission / reception unit for transmitting / receiving data to / from the reading / writing device by wireless communication;
For each payment service system, identification data for executing payment in the management server is stored in a non-rewritable state, and payment data of a unit transaction to be settled in the payment terminal device is read from and written to the transmission / reception unit. It can be received and written and stored by wireless communication with the device, and
A storage unit that stores usable amount data related to an amount that can be used in the payment service system of the advance payment method;
From the management server of the post-payment payment service system, the amount of unit transactions in the post-payment payment service system exceeds the usable amount of the user in the post-payment payment service system by the transceiver. When a signal is received
Of the unit transaction amount indicated by the transaction amount data, for the amount less than or equal to the usable amount of the user in the postpaid payment service, by wireless communication between the transmission / reception unit and the reading / writing device, Make a payment in the post-payment payment service system,
A control unit that performs settlement in the prepaid payment service system for an amount that has not been settled in the postpaid payment service system out of the unit transaction amount indicated by the transaction price data. Information terminal device.

The present invention can further employ the following configurations.
(12) The information terminal device according to any one of (9) to (11),
The said control part performs the alerting | reporting process for alert | reporting to a user that the settlement of one unit transaction is performed by several payment service system.

  The notification process is not particularly limited, and examples thereof include visual notification by image, light, physical operation, or a combination thereof, auditory notification by sound, physical notification by vibration, or a combination thereof. It is done.

  Even if electronic payment is made using an information terminal device adopting the post-pay method, it is possible to prevent the user from using too much. Moreover, since the payment data is displayed on a display unit of a portable information terminal device such as a card or a mobile phone, for example, even if another person makes a payment by depositing the information terminal device, the display unit of the returned information terminal device The settlement amount can be confirmed by the settlement amount.

It is a block diagram which shows the outline | summary of the payment management system 100 of 1st Embodiment. 3 is a block diagram illustrating an outline of functions of a management server 140. FIG. 3 is a block diagram illustrating an outline of functions of the mobile phone 10; FIG. 2 is a block diagram showing an outline of functions of an IC card 50. FIG. It is a flowchart which shows the subroutine for processing the payment amount data performed with the management server 140. FIG. 5 is a flowchart illustrating a subroutine for setting an accumulation period executed by the management server 140. It is a table | surface which shows the payment database 150 (a) memorize | stored in the database of the management server 140, and the accumulation period database 152 (b). 4 is a flowchart showing a subroutine for displaying an accumulated settlement amount executed by the mobile phone 10; It is a figure which shows the example of the accumulation money amount displayed on the display part 16 of the mobile telephone. 5 is a flowchart showing a subroutine for printing an accumulated settlement amount executed by the IC card 50. It is a figure which shows the example of the accumulation money amount printed on the surface of the IC card. It is a flowchart of a modification. It is a front view which shows typically IC card 550 concerning a 2nd embodiment. 2 is a block diagram showing an internal configuration of an IC card 550. FIG. 10 is a flowchart illustrating a subroutine of payment service system selection processing executed by the IC card 550. (A)-(d) is a figure which shows typically the image displayed on the display apparatus 554 when the process shown in FIG. 15 is performed. 10 is a flowchart illustrating a subroutine of a comparison amount setting process executed by the IC card 550. (A)-(c) is a figure which shows typically the image displayed on the display apparatus 554 when the process shown in FIG. 17 is performed. It is a figure which shows an example of an alerting | reporting aspect selection table. 14 is a flowchart showing a subroutine of payment completion display processing executed by the IC card 550. It is a figure which shows an example of a log | history table. (A)-(c) is a figure which shows typically the payment log | history image displayed on the display apparatus 554. FIG. 10 is a flowchart illustrating a subroutine of payment service system switching processing executed by the IC card 550. (A), (b) is a figure which shows typically the image displayed on the display apparatus 554 when the process shown in FIG. 23 is performed. It is a flowchart which shows the process performed in the payment management system which concerns on 2nd Embodiment. It is a flowchart which shows the subroutine of the deposit payment process performed with IC card 550. FIG.

  Embodiments of the present invention will be described below with reference to the drawings.

[First Embodiment]
<< Outline of Payment Management System 100 >>
FIG. 1 is a block diagram showing an overview of a payment management system 100 according to an embodiment of the present invention. The payment management system 100 mainly includes a payment terminal 120 and a management server 140.

<Payment terminal 120>
The settlement terminal 120 has a reading / writing device 122. The reading / writing device 122 is a device for communicating with the mobile phone 10 and the IC card 50, and is a so-called reader / writer. The mobile phone 10 and the IC card 50 are provided with non-contact IC chips (22 and 58 described later), and the mobile phone 10 and the IC card 50 communicate with the reading / writing device 122 via the non-contact IC chip. Can do. In addition to the non-contact IC chip, an element that can communicate with the reading / writing device 122 such as a contact IC chip may be provided in the mobile phone 10 or the IC card 50.

  The settlement terminal 120 is stored in the storage unit 18 of the mobile phone 10 or the storage unit 56 of the IC card 50 via the non-contact IC chip provided in the mobile phone 10 or the IC card 50 and the reading / writing device 122. Various data and information can be acquired from the mobile phone 10 or the IC card 50.

  The communication between the non-contact IC chip provided in the mobile phone 10 or the IC card 50 and the reading / writing device 122 is bidirectional. Therefore, data and information can be transmitted from the mobile phone 10 or the IC card 50 to the reading / writing device 122, and data and information can also be transmitted from the reading / writing device 122 to the mobile phone 10 or the IC card 50. be able to. By doing so, as will be described later, the accumulated settlement amount can be calculated by the management server 140, and the accumulated settlement amount can be transmitted from the management server 140 to the mobile phone 10 or the IC card 50. It can be displayed on the mobile phone 10 or the IC card 50.

  In addition, when two-way communication is possible between the mobile phone 10 or the IC card 50 and the reading / writing device 122, date / time information indicating the correct date / time is read from the reading / writing device 122 to the mobile phone 10 or the IC card 50. It is preferable to transmit. By doing in this way, when the payment information is stored in the mobile phone 10 or the IC card 50, it is possible to store the payment date including the exact date and time when payment is made. As described above, the payment information includes information for identifying the user who made the payment, the date and time when the payment was made, the credit number used for the payment, the member store (store) where the payment was made, and the target of the payment. This refers to information related to payment, such as the products and services that have become, and the payment amount.

  For example, if the storage unit 18 of the mobile phone 10 or the storage unit 56 of the IC card 50 is configured to store the payment information of the user, it is necessary to store the exact date and time when the payment was made. For this reason, when two-way communication is possible between the mobile phone 10 or the IC card 50 and the reading / writing device 122, date / time information indicating an accurate date / time is transmitted from the reading / writing device 122, and the mobile phone 10 or In the IC card 50, it is preferable that accurate date and time can be maintained. In this manner, when the payment information is stored in the mobile phone 10 or the IC card 50, it is possible to display a history of payments made so far even in an environment where communication is not possible. In addition, the settlement history can be displayed without incurring communication costs.

  Further, from the viewpoint of security and the like, the communication between the non-contact IC chip provided in the mobile phone 10 or the IC card 50 and the reading / writing device 122 may be one-way communication. That is, data and information can be transmitted from the mobile phone 10 or the IC card 50 to the reading / writing device 122, but cannot be transmitted from the reading / writing device 122 to the mobile phone 10 or the IC card 50. It is. In such a case, an email indicating the accumulated payment amount calculated by the management server 140 is generated, and the generated email is transmitted to the mobile phone 10, whereby the accumulated payment amount can be displayed on the mobile phone 10.

  The payment terminal 120 has a communication device 124. The communication device 124 mainly includes a communication interface circuit (not shown). The communication device 124 is electrically connected to the reading / writing device 122. Further, a payment network 130 is communicably connected to the communication device 124. As will be described later, a management server 140 is communicably connected to the payment network 130. Via the payment network 130, the payment terminal 120 transmits various data and information acquired from the mobile phone 10 and the IC card 50 to the management server 140, and various data and information transmitted from the management server 140. Can be received.

  The payment terminal 120 described above corresponds to a payment terminal device, and the mobile phone 10 or the IC card 50 corresponds to an information terminal device.

<Management server 140>
As shown in FIG. 2, the management server 140 mainly includes a control unit 142, a storage unit 144, a communication unit 146, and a database unit 148. The management server 140 is a server owned or managed by various financial institutions such as a credit card company or a bank having a user account. Here, credit card companies include member store management companies (acquirers), card issuers (issuers), brands, and the like. The management server 140 may be a server that is owned or managed by an institution or organization that can manage settlement and payment. Furthermore, the management server 140 may be a server owned or managed not only by a financial institution but also by a third party institution or organization that monitors the financial institution.

  The control unit 142 mainly includes a CPU (Central Processing Unit), a ROM (Read Only Memory), an input / output bus, an I / O port, and the like. The ROM stores various control programs such as subroutine programs shown in FIGS. 5 and 6 to be described later, and is read from the ROM at a predetermined timing and executed by the CPU.

  The storage unit 144 mainly includes a RAM (Random Access Memory). The storage unit 144 stores variable values used when the subroutines shown in FIGS. 5 and 6 are executed.

  The communication unit 146 mainly includes a communication interface circuit (not shown). A payment network 130 is communicably connected to the communication unit 146. Various data (including identification data for specifying a user) and information transmitted from the mobile phone 10 or the IC card 50 and information are received by the management server 140 via the communication unit 146, or calculated by the management server 140. And various data and information generated can be transmitted to the mobile phone 10 or the IC card 50.

  The database unit 148 mainly includes a settlement database 150 and an accumulation period database 152.

  The payment database 150 stores payment information. Settlement information includes information related to settlement, such as the date and time of settlement, the credit number used for the settlement, the member store (store) where the settlement was performed, the goods and services subject to the settlement, and the settlement amount. Say.

  Specifically, as shown in FIG. 7A, the payment database 150 mainly includes a user ID, a payment date and time, a payment amount, and payment contents. The user ID is information for authenticating the identity of the user, and is information indicating that the user is a person who is a management target in the management server 140. The payment date and time is the date and time when payment was made by causing the mobile phone 10 or the IC card 50 to communicate with the payment terminal 120. The settlement amount is the amount that is the object of the settlement. In the post-pay method, the settlement amount is an amount that is settled later by a credit card or the like. Further, the payment content is information indicating the content of payment such as a product for which payment is made or a store where payment is made.

  As shown in FIG. 7B, the accumulation period database 152 mainly includes a user ID and a start date and an end date of the accumulation period. As described above, the user ID is information for authenticating the user himself / herself. The cumulative period is a period in which the payment for which the cumulative payment amount is calculated is performed, the start date is the first day of the period, and the end date is the last day of the period.

  The control unit 142 described above corresponds to a cumulative payment amount control device, and the storage unit 144 corresponds to a payment information storage device.

<Mail server 170>
The payment management system 100 is further connected to the mail server 170 via the general-purpose network 160. The payment management system 100 has a mail address database 172. The mail address database 172 stores a user ID and a mail address in association with each other. Here, the mail address is that of the user's mobile phone 10.

  Information indicating the accumulated settlement amount calculated by the management server 140 is transmitted from the management server 140 to the mail server 170 via the general-purpose network 160 together with the user ID. The mail server 170 generates an email based on information indicating the accumulated settlement amount. Next, the mail address database 172 is searched using the user ID, and the mail address corresponding to the user ID is acquired. The mail server 170 transmits the generated mail to the acquired mail address. The mail transmitted from the mail server 170 is transmitted to the mobile phone 10 via the base station 180.

  In this way, the accumulated payment amount can be displayed on the mobile phone 10 by transmitting an email indicating the accumulated payment amount to the mobile phone 10. As described above, there is a case where communication between the mobile phone 10 and the reading / writing device 122 must be one-way communication from the viewpoint of security or the like. Even in such a case, an email indicating the accumulated payment amount can be transmitted to the mobile phone 10 and the accumulated payment amount can be displayed on the mobile phone 10.

<Mobile phone 10>
FIG. 3 is a block diagram showing an outline of functions of the mobile phone 10. The mobile phone 10 mainly includes an input unit 12, a control unit 14, a display unit 16, a storage unit 18, a communication unit 20, and a non-contact IC chip 22.

  The input unit 12 mainly includes a keyboard, buttons, and the like, and can input character information and the like corresponding to the keyboard and buttons when operated by the user. When the user operates the input unit 12, the start date and end date of the accumulation period can be input and set.

  The control unit 14 includes a CPU (Central Processing Unit), a ROM (Read Only Memory), an input / output bus, an I / O port, and the like. The ROM stores various control programs such as a subroutine program shown in FIG. 8 described later, and is read from the ROM at a predetermined timing and executed by the CPU.

  The display unit 16 mainly includes a liquid crystal display. The display unit 16 displays input character information or the like when the user operates the input unit 12, and various information and data transmitted from the management server 140 via the transmission / reception unit 24 described later. It is displayed. For example, as will be described later, the accumulated settlement amount transmitted from the management server 140 is displayed on the display unit 16. By doing in this way, the total amount of money settled in a predetermined accumulation period can be made visible to the user.

  The storage unit 18 mainly includes a RAM (Random Access Memory) including a flash memory in which a partially rewritable area and a rewritable area can be set. By adopting a flash memory, data will not be erased even if there is no backup power supply unless the erasure process is executed. Further, the storage unit 18 stores variable values used when the subroutine shown in FIG. 8 is executed. Further, identification data for identifying the user is stored in the area of the storage unit 18 that is set to be non-rewritable. In the area that is set to be rewritable, payment data and cumulative payment described later are stored. Amount data is stored. In the present embodiment, a rewritable area and a non-rewritable area are formed in one memory by dividing the area, but the present invention is not limited to this. For example, a semiconductor memory in which the rewritable area is physically unrewritable, such as a mask ROM, may be adopted, and the rewritable area may be constituted by a physically separate memory by adopting a flash memory or SRAM.

  In addition, various information and data transmitted from the management server 140 are stored. For example, the accumulated payment amount transmitted from the management server 140 is stored in the storage unit 18. Further, various information input by the user operating the input unit 12 is also stored in the storage unit 18.

  The communication unit 20 mainly includes a wireless communication interface circuit (not shown). The communication unit 20 can perform wireless communication with the base station 180 near the mobile phone 10 via the communication unit 20. Voice information can be transmitted and received by this wireless communication. The mobile phone 10 is provided with a microphone and a speaker (not shown), and can perform normal conversations with other mobile phones by transmitting and receiving voice information by wireless communication. In addition, by wireless communication with the base station 180, transmission / reception of character information, still image information, and moving image information can be performed with the center server and other mobile phones.

  The non-contact IC chip 22 mainly includes a transmission / reception unit 24. The transmission / reception unit 24 has an antenna and communicates with the reading / writing device 122 of the payment terminal 120. Various data and information such as payment data received through communication with the reading / writing device 122 of the payment terminal 120 via the transmission / reception unit 24 are stored in the storage unit 18 described above. Various data and information stored in the storage unit 18 are read out and transmitted to the reading / writing device 122 of the settlement terminal 120.

  The user can communicate between the non-contact IC chip 22 of the mobile phone 10 and the read / write device 122 of the payment terminal 120 when the user holds the mobile phone 10 near the read / write device 122 of the payment terminal 120. And payment is made by this communication. Payment information is transmitted from the payment terminal 120 to the management server 140 in response to the payment being made. This payment information includes the user ID, the payment date and time, the payment amount, and the payment content to be stored in the payment database 150.

  The display unit 16 described above corresponds to a display device, and the storage unit 18 corresponds to a storage device.

<IC card 50>
The IC card 50 has a thin plate shape and is made of a flexible material such as plastic. The IC card 50 mainly includes a control unit 52, a display unit 54, a storage unit 56, and a non-contact IC chip 58.

  The control unit 52 includes a CPU (Central Processing Unit), a ROM (Read Only Memory), an input / output bus, an I / O port, and the like. The ROM stores various control programs such as a subroutine program shown in FIG. 10 described later, and is read from the ROM at a predetermined timing and executed by the CPU.

  The display unit 54 is formed on the surface of the IC card 50 and is made of rewritable paper such as electronic paper. The rewritable paper is made of a material such as a leuco dye that combines with a developer at a certain temperature to develop a color, and separates from the developer at a different temperature and disappears. In this way, by setting the IC card 50 made of rewritable paper in a predetermined dedicated printer, the printing information on the surface of the IC card 50 can be rewritten repeatedly. Note that the rewritable paper may be rewritable using a display element such as a cholesteric liquid crystal.

  The storage unit 56 mainly includes a RAM (Random Access Memory). The storage unit 56 stores values of variables used when the subroutine shown in FIG. 10 is executed. In addition, various information and data transmitted from the management server 140 are stored. Further, identification data for identifying the user is stored in the area of the storage unit 56 that is set to be non-rewritable. In the area that is set to be rewritable, payment data and cumulative payment described later are stored. Amount data is stored. In the present embodiment, a rewritable area and a non-rewritable area are formed in one memory by dividing the area, but the present invention is not limited to this. For example, a semiconductor memory in which the rewritable area is physically unrewritable, such as a mask ROM, may be adopted, and the rewritable area may be constituted by a physically separate memory by adopting a flash memory or SRAM. The accumulated payment amount data includes, for example, data transmitted from the management server 140 and data accumulated by the control unit 52 in the IC card 50.

  The non-contact IC chip 58 mainly includes a transmission / reception unit 60. The transmission / reception unit 60 has an antenna and communicates with the reading / writing device 122 of the payment terminal 120. Various data and information received through communication with the reading / writing device 122 of the payment terminal 120 via the transmission / reception unit 60 are stored in the storage unit 56 described above. Various data and information stored in the storage unit 56 are read out and transmitted to the reading / writing device 122 of the settlement terminal 120.

  Communication between the non-contact IC chip 58 of the IC card 50 and the reading / writing device 122 of the payment terminal 120 is possible when the user holds the IC card 50 near the reading / writing device 122 of the payment terminal 120. And payment is made by this communication. Payment information is transmitted from the payment terminal 120 to the management server 140 in response to the payment being made. This payment information includes the user ID, the payment date and time, the payment amount, and the payment content to be stored in the payment database 150.

  The display unit 54 described above corresponds to a display device, and the storage unit 56 corresponds to a storage device.

<< Payment amount data processing >>
FIG. 5 is a flowchart showing a subroutine for processing settlement amount data executed by the management server 140.

  First, it is determined whether or not payment processing has been performed at the payment terminal 120 (step S511). This determination is based on information indicating that payment processing has been performed at the payment terminal 120, a payment amount, a payment target, and payment by the user holding the mobile phone 10 or the IC card 50 over the payment terminal 120. This can be done by determining whether or not information related to payment processing such as a store has been transmitted from the payment terminal 120 to the management server 140.

  When it is determined that the payment process is not performed at the payment terminal 120 (NO), this subroutine is immediately ended. When it is determined that the payment process has been performed at the payment terminal 120 (YES), the user ID is received from the payment terminal 120 (step S513). This user ID may be any information that can identify the person who made the payment. Specifically, it is information that can specify the user of the mobile phone 10 and the owner of the IC card 50, and includes the serial number of the mobile phone 10 and the IC card 50. Note that the process of receiving this user ID may not be executed at this timing. For example, the user ID may be received when the mobile phone 10 or the IC card 50 and the payment terminal 120 change from a communication disabled state to a communication enabled state.

  Next, using the received user ID, it is determined whether or not the user communicating with the payment terminal 120 is a valid user (step S515). This is to eliminate access to the management server using an unauthorized user ID. When it is determined that the user is not a legitimate user (NO), information indicating that the user is not a legitimate user is transmitted to the settlement terminal 120 (step S517), and this subroutine is terminated. In this way, it is possible to notify the administrator of the payment terminal 120 that the user is not a valid user.

  On the other hand, when it is determined that the user is a legitimate user (YES), settlement amount data indicating the amount of settlement performed at the settlement terminal 120 is received (step S519). The received settlement amount data and settlement date and time are stored in the settlement database 150 in association with the user ID (step S521). For example, a user ID, a settlement date and a settlement amount are stored in a settlement database 150 as shown in FIG. By doing so, it is possible to accurately manage the settlement date and the history of the settlement amount for each user ID.

  Next, the settlement database 150 of the management server is searched to determine whether there has been a past settlement within a predetermined accumulation period (step S523). Here, the cumulative period refers to a predetermined period for calculating the cumulative amount. As will be described later, the cumulative period is a period from the start date to the end date, and the user can set the start date and the end date. The settlement amount in this accumulation period, that is, the sum of the amounts settled between the start date and the end date is the accumulation amount.

  When it is determined in the determination process in step S523 that there has been a past settlement within the accumulation period (YES), the settlement amounts stored in the settlement database 150 are read out within the accumulation period, The total sum is calculated as the accumulated settlement amount (step S525). Next, the calculated accumulated payment amount is transmitted to the payment terminal 120 (step S527), and this subroutine is terminated.

  When it is determined in the determination process in step S523 that there has been no past settlement within the accumulation period (NO), the fact that there is no past accumulated settlement amount is transmitted to the settlement terminal 120 (step S529). The determination that there has been no past payment within this cumulative period means that there is only the payment amount received at step S519 this time. For this reason, since it is not necessary to calculate the sum of the payment amounts, it may be transmitted to the payment terminal 120 that there is no past accumulated payment amount.

  As will be described later, the accumulated payment amount transmitted to the payment terminal 120 is displayed on the mobile phone 10 or the IC card 50 by the process of step S527. In this way, by displaying the accumulated payment amount on the mobile phone 10 or the IC card 50, the user can visually recognize and recognize all the past payment amounts (cumulative payment amount) within the accumulation period, and the user has used too much. The user can be given an opportunity to determine whether or not there is any.

  Further, in the payment amount data processing shown in FIG. 5, it is determined whether or not the calculated accumulated payment amount exceeds a predetermined amount. Information indicating this may be transmitted to the information terminal device. In this way, not only the accumulated payment amount but also that the accumulated payment amount has exceeded a predetermined amount can be notified and warned to the user via the information terminal device, and the user is made aware of the usage status. The possibility can be increased.

  In addition, the user often uses a plurality of credit cards. In order to cope with such a situation, a credit card number is also included in the settlement database 150 shown in FIG. In this way, even if the payment is made using a plurality of credit cards, the accumulated payment amount can be calculated for each credit card. Can be managed. In addition, the total amount of accumulated payment for each of the plurality of credit cards may be calculated and transmitted to the information terminal device. By doing in this way, even if it is a case where several credit cards are used properly, the total amount of accumulated payment amount can be displayed on an information terminal device, and a user can be made to recognize the use condition.

<< Cumulative period setting process >>
FIG. 6 is a flowchart showing a subroutine for setting the accumulation period in the management server 140.

  First, a user ID is received (step S611). As described above, it is information that can specify the user of the mobile phone 10 or the owner of the IC card 50, and the serial number of the mobile phone 10 or the IC card 50 is good. Using the received user ID, it is determined whether or not the user communicating with the payment terminal 120 is a valid user (step S613). This is a determination process similar to step S515 described above. When it is determined that the user is not a valid user (NO), the subroutine is immediately terminated.

  On the other hand, when it is determined that the user is a valid user (YES), it is determined whether or not the start date has been received (step S615). This process is, for example, a process of determining whether or not the management server 140 has received the start date input by operating the key of the mobile phone 10 by the user. When it is determined that the start date has been received (YES), the received start date data is stored in the storage unit 144 of the management server 140 (step S617).

  Next, it is determined whether an end date has been received (step S619). This process is also a process of determining whether or not the management server 140 has received an end date input by the user operating a key of the mobile phone 10, for example. When it is determined that the end date has been received (YES), the received end date data is stored in the storage unit 144 of the management server 140 (step S621).

  Note that the input of the start date and end date described above is not limited to a mobile phone, but may be anything that can communicate with a management server via a network, such as a personal computer connected to the network.

  After executing the process of step S621 described above, it is determined whether or not the received start date and end date are confirmed (step S623). This determination process is a process for determining whether or not a message indicating whether or not to confirm is transmitted to the mobile phone 10 and information indicating that the user confirms is transmitted from the mobile phone 10 accordingly. When it is determined not to be confirmed (NO), the process returns to step S615 so that the start date and the end date can be received again. On the other hand, when it is determined to be confirmed (YES), the start date and the end date stored in the storage unit 144 of the management server 140 are stored in the accumulation period database 152 (step S625), and this subroutine is terminated.

  When it is determined that the start date has not been received in the determination process in step S615 described above (NO), or when it is determined in the determination process in step S619 that the end date has not been received (NO), the default Is accumulated (step S627), the default accumulation period is stored in the accumulation period database 152 (step S625), and this subroutine is terminated.

  The default accumulation period described above is a predetermined period. For example, the accumulation period can be one month with the 26th day of each month as the start date and the 25th day of the following month as the end date. Alternatively, the closing date of each month of a financial institution such as a credit company may be the end date, and the day after the closing date of the previous month may be the start date. In this way, the accumulation period can be set by setting the start date and the end date without complicating the user's work process.

  As described above, the user often uses a plurality of credit cards. In order to cope with such a case, the product period database 152 shown in FIG. 7B may include an accumulation period for each credit card. In this way, even when payment is made using a plurality of credit cards, a period can be determined for each credit card and the accumulated payment amount can be calculated. You can manage payments for all at once.

<< Cumulative settlement amount display processing >>
FIG. 8 is a flowchart showing a subroutine for displaying the settlement amount or the accumulated settlement amount executed by the mobile phone 10.

  First, it is determined whether or not the accumulated settlement amount has been transmitted from the management server 140 (step S811). When it is determined that the accumulated settlement amount has been transmitted from the management server 140 (YES), the transmitted accumulated settlement amount is displayed on the display unit 16 (step S813), and this subroutine is terminated.

  In this way, when the accumulated settlement amount is transmitted from the management server 140, the accumulated settlement amount is immediately displayed on the display unit 16. Therefore, whether the user has used too much by viewing the accumulated settlement amount or not. Can be quickly determined. For example, a screen as shown in FIG. 9B is displayed on the display unit 16 of the mobile phone 10. In the example shown in FIG. 9B, the accumulated settlement amount is displayed as the start date and end date of the accumulation period, the accumulated settlement amount in the accumulation period, and the payment date when the amount is deducted from a predetermined account. Displayed on the part 16.

  When it is determined in the determination process in step S811 that the accumulated payment amount has not been transmitted from the management server 140 (NO), an image showing an IC card supported by the mobile phone 10 is displayed (step S815). This image has a function as a so-called icon, and is preferably an image such as a logo of a credit card company corresponding to an IC card, for example. In this way, the user can easily recognize the IC card to be selected.

  By executing the processing in step S815 described above, a screen as shown in FIG. 9A is displayed on the display unit 16 of the mobile phone 10. In FIG. 9A, images showing nine types of IC cards A to I are displayed. By displaying in this way, the user can be prompted to select an IC card.

  Next, it is determined whether or not an IC card has been selected by the user operating the input unit 12 of the mobile phone 10 (step S817). When it is determined that the IC card has not been selected by the user (NO), this subroutine is immediately terminated.

  On the other hand, if it is determined in step S817 that the IC card has been selected by the user (YES), it is determined whether or not to display the accumulated settlement amount (step S819). This determination process is a process of determining whether or not the user has operated the input unit 12 of the mobile phone 10 to select to display the accumulated payment amount.

  If it is determined in the determination process in step S819 that the accumulated payment amount is to be displayed (YES), it is determined whether or not the accumulated payment amount data is stored in the storage unit 18 of the mobile phone 10 (step S821). When it is determined that the accumulated settlement amount data is not stored in the storage unit 18 of the mobile phone 10 (NO), this subroutine is immediately terminated.

  On the other hand, when it is determined that the accumulated payment amount data is stored in the storage unit 18 of the mobile phone 10 (YES), the accumulated payment amount data is read from the storage unit 18 (step S823), and the read accumulated settlement amount is read. The amount is displayed on the display unit 16 (step S813), and this subroutine is terminated.

  By executing the process of step S813, a screen as shown in FIG. 9B is displayed on the display unit 16 of the mobile phone 10 as described above.

  On the other hand, when it is determined that the accumulated payment amount is not to be displayed in the determination process of step S819 described above (NO), it is determined whether or not the payment amount data is stored in the storage unit 18 of the mobile phone 10 ( Step S825). The settlement amount data is at least one settlement amount data that has been settled by the user, and means data indicating a past settlement history. When it is determined that the payment amount data is not stored in the storage unit 18 of the mobile phone 10 (NO), this subroutine is immediately terminated.

  On the other hand, when it is determined that the payment amount data is stored in the storage unit 18 of the mobile phone 10 (YES), the payment amount data is read from the storage unit 18 (step S827), and the read payment amount is displayed. This is displayed on the part 16 (step S829), and this subroutine is finished.

  By executing the process of step S829 described above, a screen as shown in FIG. 9C is displayed on the display unit 16 of the mobile phone 10. In the example shown in FIG. 9C, the date of settlement and the settlement amount at that time are displayed on the display unit 16 for at least one, for example, five settlements.

  In this way, by displaying the date of settlement and the settlement amount at that time on the display unit 16 of the mobile phone 10, it is possible to show the past settlement history to the user, and whether or not it has been overused. Can be recognized, and the user can also check whether the payment has been made illegally by another person.

  In the accumulated payment amount display process shown in FIG. 8, the accumulated amount displayed on the display unit 16 when a predetermined time, for example, 30 seconds elapses after the accumulated payment amount is displayed on the display unit 16 by the process of step S813. It is preferable to hide the settlement amount. In this way, even if another person looks at the display unit 16, the user's personal information can be protected accurately because it is immediately lost.

<< Cumulative payment amount printing process >>
FIG. 10 is a flowchart showing a subroutine for printing the accumulated settlement amount executed by the IC card 50.

  First, it is determined whether or not the IC card 50 is in a printable state (step S1011). As described above, rewritable paper, for example, electronic paper, is provided in a predetermined area on the surface of the IC card 50. This rewritable paper can rewrite information to be printed by a dedicated printer. The determination processing in step S1011 is to determine whether or not the IC card 50 is set in the dedicated printer and the rewritable paper portion can be rewritten. If it is determined in step S1011 that the IC card 50 is not in a printable state (NO), this subroutine is immediately terminated.

  On the other hand, when it is determined in step S1011 that the IC card 50 is in a printable state (YES), it is determined whether or not the accumulated settlement amount is stored in the storage unit 56 of the IC card 50 ( Step S1013). As described above, the accumulated payment amount is transmitted from the payment terminal 120 and stored in the storage unit 56 of the IC card 50 when communicating with the payment terminal 120 via the non-contact IC chip 58. If it is determined in step S1013 that the accumulated settlement amount is not stored in the storage unit 56 of the IC card 50 (NO), this subroutine is immediately terminated.

  When it is determined in the determination process in step S1013 that the accumulated settlement amount is stored in the storage unit 56 of the IC card 50 (YES), the data of the accumulated settlement amount stored in the storage unit 56 of the IC card 50 (Step S1015), the accumulated settlement amount is printed on the surface of the IC card 50 (step S1017), and this subroutine is finished.

  When the payment terminal 120 is equipped with a printer for printing the IC card 50, the accumulated payment amount can be printed together with the communication with the payment terminal 120. On the other hand, if the payment terminal 120 is not equipped with a printer for printing the IC card 50, the accumulated payment amount can be printed by setting the IC card 50 in the printer for printing the IC card 50. it can.

  In this way, as shown in FIG. 11, the accumulated settlement amount is printed as “TOTAL: ¥ ===, ===, ===” on the lower part of the surface of the IC card. Since the accumulated payment amount is printed on the surface of the IC card, the user can visually recognize the accumulated payment amount at that time, and can determine whether or not it is overused. Further, a history of settlement amounts similar to that shown in FIG. 9C may be printed in relation to the area and layout of the surface of the IC card. By printing the payment amount history, the user can easily confirm whether or not the IC card is illegally used by another person. Note that it is preferable not to store the history information of the settlement amount in the storage unit 56 of the IC card 50 from the viewpoint of protection of personal information and security.

  When bidirectional communication can be performed between the non-contact IC chip (22 and 58) provided in the mobile phone 10 or the IC card 50 and the reading / writing device 122 of the settlement terminal 120, the management server 140 The accumulated payment amount thus transmitted can be transmitted to the mobile phone 10 or the IC card 50 via the reading / writing device 122. The mobile phone 10 and the IC card 50 can display the accumulated payment amount transmitted. In the case of the mobile phone 10, the transmitted accumulated payment amount can be displayed on the display unit 16 of the mobile phone 10. In the case of the IC card 50, the accumulated settlement amount is stored in the storage unit 56 of the IC card 50, and is formed on the surface of the IC card 50 when the IC card 50 is set in a printer for printing. The accumulated settlement amount is printed on the display unit 54. For example, the IC card 50 may be any card as long as the display unit 54 on the surface is made of so-called electronic paper and can be repeatedly printed and erased (rewritten).

  Processing similar to the flowcharts shown in FIGS. 5 and 6 may be executed by the application program of the mobile phone 10. By doing in this way, the mobile phone 10 can execute the same processing as the management server 140, and can calculate the accumulated amount. Since the mobile phone 10 can calculate and display the accumulated amount without communicating with the management server 140, the communication cost can be reduced, or the accumulated amount can be displayed even in an environment where communication with the management server 140 is not possible. be able to.

  According to the feature of the embodiment of the present invention, the total payment amount (cumulative payment amount) settled in a predetermined period is transmitted to the information terminal device, so that the user of the information terminal device recognizes the accumulated payment amount. be able to. That is, the feature according to the embodiment of the present invention is to enable the accumulated payment amount to be displayed on the information terminal device owned by the user. Therefore, the payment amount is different from that displayed on the payment terminal installed in the store. The feature according to the embodiment of the present invention is to prevent the user from using too much in the post-payment method. Therefore, it is different from the one in which the remaining amount is displayed on a prepaid IC card or the like.

(Modification)
What has been described above is a method for displaying data obtained by calculating the accumulated settlement amount on the management server in a display area of a mobile phone or a card. However, as described above, there may be a case where it is desired to adopt a method in which the accumulated payment amount data of a specific individual is not transmitted to a payment terminal device (so-called POS) installed in a store or the like due to the problem of leakage of personal information. A portable information terminal device based on this assumption will be described below.

  As hardware, clock portions 25 and 59 indicated by alternate long and short dash lines in the hardware block diagrams of FIGS. 3 and 4 described above are provided. In addition, the storage unit 18 and the storage unit 56 include a calculation program that cumulatively calculates the settlement data received from the external settlement terminal device under the control of the control units 14 and 52, and accumulated settlement amount data. A time management program for managing a period for cumulative addition processing, accumulation start of accumulated payment amount data, and time data indicating a time to reset to zero are stored. Of course, the time limit data can be set and changed by the input operation of the input unit 12 described above.

  Further, the display unit 54 of the card 50 employs a liquid crystal sheet used for electronic paper. Since the control flow from the end of the settlement of the mobile phone 10 and the IC card 50 in the modification to the display of the settlement data and the accumulated settlement data is the same control, it will be described at once based on FIG.

  First, the payment terminal 120 receives an input of the amount to be settled by the user as a payment terminal device provided with an input interface capable of inputting the payment amount at a store such as a POS (step S1-1). Each process in payment terminal 120 is executed by a control unit (not shown).

  Next, when an amount is input through the interface and an input to execute electronic payment is made, the payment terminal 120 activates the reading / writing device 122 (so-called card reader), and the mobile phone 10 or IC A reception process for requesting identification data from the card 50 is executed (step S1-2).

  If the mobile phone 10 or the IC card is held over the reading / writing device during this process, an electromagnetic induction electromotive force is generated through the antenna in the mobile phone 10 or the IC card as described above, and the storage unit 18 or 56 is rewritten. A signal requesting identification data stored in the unusable area is transmitted through the communication unit 20 or the transmission / reception unit 60 of the mobile phone 10 or the IC card 50.

  When the mobile phone 10 or the IC card 50 receives this request signal (step S1-3), the control units 14 and 52 of the mobile phone 10 or the IC card 50 transmit and receive the identification data stored in the storage units 18 and 56. The data is transmitted to the payment terminal 120 via the units 24 and 60 (step S1-4).

  When the payment terminal 120 receives the identification data, a control unit (not shown) of the payment terminal 120 receives the identification data received by the management server 140 located at an address corresponding to the predetermined identification data and payment amount data to be settled. Is transferred (S1-5).

  When the management server 140 receives the identification data received from the payment terminal 120, it does not exceed the limit amount determined for the user corresponding to the identification data even if the payment is made with the payment amount, or A settlement process for checking whether the card corresponding to the identification data has expired is executed (step S1-6).

  The result of the payment in step S1-6 is transmitted to the payment terminal 120 as a permission signal (S1-7). On the other hand, if the determination result in step S1-6 is that payment is possible, the process of updating the accumulated payment amount is executed as described above (step S1-8).

  Next, when the payment terminal 120 receives this approval / disapproval signal (step S1-9), the payment processing by the control unit 142 of the management server 140 indicates whether payment is impossible or possible. The determination is performed by the control unit of the payment terminal 120 (step S1-10).

  If the determination result in step S1-10 is that payment is not possible, an error display is executed on the display unit of the payment terminal 120 (not shown) (S1-11).

  If the determination result in step S1-10 is that payment is possible, the control unit of the payment terminal 120 performs a process of indicating to the payment terminal 120 that the payment is completed by voice or display, and the mobile phone 10 or the IC card 50 The settlement amount data as settlement possible data is transmitted via the transmission / reception units 24, 60 (S1-12).

  When the mobile phone 10 or IC card 50 settlement amount data transmitted in step S1-12 is received, the control units 14 and 52 of the mobile phone 10 or IC card 50 receive the current date and time data obtained by the clock units 25 and 59, respectively. In comparison with the date and time data settled immediately before stored in the storage unit 18 or 56, it is determined whether or not the predetermined period stored in the storage unit 18 or 56 is exceeded (step S1-13). That is, the time management program and the control units 14 and 56 execute whether the payment is made within a predetermined period from the previous payment date.

  If there is no settlement within a predetermined period, the accumulated settlement amount data stored in the storage units 18 and 56 are reset to zero, and preparations for storing the settlement amount data settled this time as new data are executed ( Step S1-14).

  After the controller 18 or 56 determines that the payment has been made within the predetermined period in step S1-13, or after the zero reset process is executed in step S1-14 assuming that the payment has not been made within the predetermined period, Based on the calculation program, the control units 18 and 56 execute a process of adding the settlement amount data of the unit to be settled this time to the accumulated settlement amount data stored in 56, and the updated accumulated settlement amount is stored in the storage unit. 18 and 56 (step S1-15).

  Then, the accumulated settlement amount data updated and stored in the storage units 18 and 56 and the unit settlement amount data settled this time are displayed on the liquid crystal as the display units 16 and 54 of the mobile phone 10 or the IC card 50 (step S1). -16).

  As described above, in this modification, the calculation process for obtaining the accumulated payment amount data in the management server 140 is executed in the mobile phone 10 or the IC card 50 completely independently from the above-described embodiment. As a result, it is possible to eliminate the risk that the personal card usage limit amount and the accumulated payment amount will leak to a third party. Further, if the period for calculating and displaying the accumulated payment amount can be set by the input unit 12 of the mobile phone 10, the accumulated payment amount during the user-like period can be displayed.

  Further, when the settlement amount data of this time is displayed and deleted, it can be executed for the first time by an input operation of the input unit of the mobile phone 10, and the storage unit 18 stores not only the accumulated settlement amount but also the unit settlement amount data and settlement. Since the control unit 14 also stores the date and time based on the calculation program, it becomes possible to confirm the previous payment amount later.

  Thus, even if the mobile phone 10 is deposited with a store clerk and settled, even if it is wrongly or illegally settled multiple times, the mobile phone 10 can show the settlement amount and settlement date at least once before and at least once. By displaying, it can be confirmed on the spot whether there is any mistake or fraud.

  On the other hand, even in the case of the IC card 50, as with the mobile phone 10, the settlement amount data settled at least immediately before and at least once is displayed on the liquid crystal display unit 54 that maintains the display state. It can be confirmed on the spot whether or not there was any fraud.

[Second Embodiment]
Next, a second embodiment will be described. The second embodiment is the same as the first embodiment (including modifications thereof) unless otherwise described below. Therefore, about the structure or step similar to 1st Embodiment (including the modification), the same code | symbol is attached | subjected and the description is abbreviate | omitted.

  Note that the settlement service systems “Fhy”, “iB”, and “QIUNPai” in the second embodiment are fictitious settlement service systems used for convenience of explanation. “Fhy” is a prepaid payment service system, and “iB” and “QUINPai” are postpay payment services systems. In addition, “iB” and “QUINPai” each have a predetermined withdrawal date from the deposit account.

<IC card 550>
FIG. 13 is a front view schematically showing an IC card 550 according to the second embodiment.
In the second embodiment, an IC card 550 is used instead of the IC card 50.
The IC card 550 has a card shape, and a display device 554 is installed at the center of the front surface thereof. The display device 554 is a liquid crystal display device, and a touch panel 557 (not shown) is provided on the surface thereof. A speaker 561 (not shown) is provided on the back surface. A so-called jog dial 555 is provided on the side surface.
The IC card 550 corresponds to an information terminal device. The display device 554 corresponds to a display unit. The touch panel 557 and the jog dial 555 correspond to an input unit.

  The image displayed on the display device 554 is an image showing a past transaction history by the settlement service system “Fhy”. The “Fhy” logo displayed on the upper left of the screen indicates that “Fhy” is currently set as a payment service system used for payment. The “set upper limit” is an upper limit set for “Fhy”. This set upper limit is not the user's limit on the system but the amount set by the user himself. Of course, the user can set the user's own limit amount on the system as the set upper limit value, and in this case, the limit amount matches the installation upper limit value.

  “Available remaining amount” indicates a difference obtained by subtracting the accumulated usage amount from the “set upper limit value”. However, when the difference is greater than the value of the deposit (amount of money that can be used in the prepaid payment service system), the “usable balance” indicates the value of the deposit. Three gauges are displayed on the right side of the “set upper limit value” and the “usable remaining amount”. This gauge indicates the remaining battery level. At the bottom of the screen, a list of “transaction history” is displayed. Each row of the transaction list corresponds to a unit transaction, and for each unit transaction, a transaction time (date and time indicated by date / time data) and a settlement amount (amount indicated by settlement data) are displayed. The list of “transaction history” is displayed based on past settlement data, and the display based on each settlement data is arranged based on the display order by the date / time data associated with the settlement data. That is, the display based on the settlement data relating to the recent transaction is displayed at the uppermost position, and is arranged in the new order below.

  In this embodiment, a liquid crystal display device is used as the display unit. However, in the present invention, the display unit is not limited to this example. Examples of the display unit include electronic paper and EL. Further, the input device is not particularly limited, and a conventionally known device can be used.

FIG. 14 is a block diagram showing the internal configuration of the IC card 550. As shown in FIG.
The IC card 550 has a thin plate shape and includes a microcomputer 552 and a non-contact IC chip 558 inside.
The microcomputer 552 includes a CPU 552C, a ROM 552R, and a RAM 552M. The ROM 552R stores, for example, programs for performing processing such as a settlement service system selection process, a comparison amount setting process, a settlement completion display process, a settlement service system switching process, and a deposit settlement process, which will be described later. The data is read from the ROM 552R and executed by the CPU 552C at a predetermined timing.

The RAM 552M has an area that is set to be non-rewritable and an area that is rewritable. In the area that is set to be non-rewritable, identification data for identifying the user is stored and can be rewritten. In the area set to, settlement data and accumulated settlement amount data, which will be described later, are stored.
In the present embodiment, a rewritable area and a non-rewritable area are formed in one memory by dividing the area, but the present invention is not limited to this. For example, a semiconductor memory in which the rewritable area is physically unrewritable, such as a mask ROM, may be adopted, and the rewritable area may be constituted by a physically separate memory by adopting a flash memory or SRAM. Further, the RAM 552M stores the deposit of the prepaid payment service system “Fhy”.

  The non-contact IC chip 558 mainly includes a transmission / reception circuit 560. The transmission / reception circuit 560 has an antenna and communicates with the reading / writing device 122 of the settlement terminal 120. Various data and information received through communication with the reading / writing device 122 of the payment terminal 120 via the transmission / reception circuit 560 are stored in the RAM 552M described above. Various data and information stored in the RAM 552M are read and transmitted to the reading / writing device 122 of the settlement terminal 120. In this embodiment, user identification data in a plurality of settlement service systems “Fhy”, “iB”, and “QUINPai” are stored in the same non-contact IC chip 558, but the present invention is limited to this example. For example, a separate non-contact IC chip is provided for each payment service system, or different non-contact IC chips are used for a prepaid payment service system and a post-payment payment service system. A plurality of non-contact IC chips may be provided.

  When the user holds the IC card 550 near the reading / writing device 122 of the payment terminal 120, communication can be performed between the non-contact IC chip 558 of the IC card 550 and the reading / writing device 122 of the payment terminal 120. And payment is made by this communication. Payment information is transmitted from the payment terminal 120 to the management server 140 in response to the payment being made. This payment information includes the user ID, the payment date and time, the payment amount, and the payment content to be stored in the payment database 150.

  A press detection sensor 555P, a dial rotation detection sensor 555D, a touch panel 557, and a clock circuit 559 are connected to the control unit 552. Press detection sensor 555P and dial rotation detection sensor 555D detect the operation of jog dial 555. That is, the press detection sensor 555P detects that the jog dial 555 has been pressed by the user. Dial rotation detection sensor 555D detects the rotation of jog dial 555. The touch panel 557 is installed on the front surface of the display device 554, and can output a signal indicating position information touched by the user. The clock circuit 559 outputs date and time data at the current time.

  A display device 554 and a speaker 561 are connected to the control unit 552. The display device 554 is controlled by the control unit 552 and displays various images described later. The speaker 561 outputs a notification sound or the like. The IC card 550 includes a non-contact charging circuit 563 and a secondary battery 562 as a power supply unit 564, and the power supply unit 564 supplies power to each device described above.

  Here, the IC card 550 has been described as being used in the second embodiment, but the IC card 550 may be used in the first embodiment (including modifications). Conversely, the mobile phone 10 or the IC card 50 may be used in the second embodiment.

<< Payment service system selection process >>
FIG. 15 is a flowchart showing a settlement service system selection processing subroutine executed by the IC card 550. This subroutine is a process performed when the settlement process is not performed.
FIGS. 16A to 16D are diagrams schematically showing images displayed on the display device 554 when the processing shown in FIG. 15 is executed.

  The control unit 552 determines whether or not the dial has been pressed in a standby state (state in which payment processing is not performed) (step S101). Specifically, control unit 552 determines whether or not a detection signal has been received from press detection sensor 555P in the standby state. If it is determined that the dial is not pressed, this subroutine is terminated.

  If it is determined in step S101 that the dial has been pressed, the control unit 552 performs processing for displaying a menu on the display device 554 (step S102). FIG. 16A shows an example of an image displayed on the display device 554 at this time. In the center of the screen, four options of “system selection”, “upper limit setting”, “switch setting” and “other” are displayed. The user can operate either the touch panel 557 or the jog dial 555 to select one of four options.

  Next, it is determined whether or not a settlement service system selection menu (“system selection” option) has been selected (step S103). If the payment service system selection menu is not selected, the process returns to step S102, whereas if the payment service system selection menu is selected, the process proceeds to step S104.

  In step S104, the control unit 552 displays a list of available payment service systems on the display device 554 (step S104). FIG. 16B shows an example of an image displayed on the display device 554 at this time. In the center of the screen, an image showing the instruction “Please select a payment service system” is placed, and the logos “iB”, “Fhy”, and “QUINPai” are displayed below it. “Fhy”, which is currently set as a default, is arranged in the center. On the right side, “setting upper limit amount” and “usable amount” are displayed as the current setting contents for “Fhy”.

  Next, the control unit 552 determines whether or not the dial has rotated (step S105). Specifically, control unit 552 determines whether a detection signal is received from dial rotation detection sensor 555D. If it is determined that the dial is not rotated, the process proceeds to step S107. On the other hand, if it is determined that the dial is rotated, the comparison amount (set upper limit amount), the used amount and the remaining amount are displayed (step S106). FIG. 16C shows an example of an image displayed on the display device 554 at this time. In the center of the image, an image showing an instruction “Please select a payment service system.” Is arranged, and on the lower side, “iB” is arranged in the center as the dial rotates. . On the right side, the current setting content for “iB” is displayed. Thus, by rotating the jog dial 555, the current settings for each payment service system can be confirmed. Here, the user can change (confirm) the setting by pressing the jog dial 555.

  Next, the control unit 552 determines whether or not the dial has been pressed (step S107). Specifically, the control unit 552 determines whether a detection signal is received from the press detection sensor 555P. If it is determined that the detection signal has not been received, the process returns to step S105. On the other hand, if it is determined that the dial has been pressed, a password input screen is displayed on the display device 554 (step S108). Identification data (settlement service system) used for settlement is selected and set in the RAM 552M. Specifically, a flag corresponding to each identification data is set in the RAM 552M, and the identification data flag used for settlement is turned on. Thereafter, this subroutine is terminated. FIG. 16D shows an example of an image displayed on the display device 554 at this time. In FIG. 16D, the “iB” logo is displayed at the upper left of the screen. This indicates that “iB” is currently set as a payment service system used for payment.

<< Contrast amount setting process >>
FIG. 17 is a flowchart showing a subroutine of comparison amount setting processing executed by the IC card 550. This subroutine is a process performed when the settlement process is not performed.
18A to 18C are diagrams schematically showing images displayed on the display device 554 when the processing shown in FIG. 17 is executed.

  The control unit 552 determines whether or not the dial has been pressed in the standby state (step S120). Processing for displaying a menu is performed (step S121, see FIG. 16A).

  Next, it is determined whether or not a comparison amount setting menu (an option for “upper limit setting”) has been selected (step S122). If the comparison amount menu is not selected, the process returns to step S121. If the comparison amount menu is selected, the process proceeds to step S123.

  In step S123, the control unit 552 displays a comparison amount input screen on the display device 554 (step S123). FIG. 18A shows an image displayed on the display device 554 at this time. In the center of the screen, an image indicating an instruction “Please enter an upper limit” is displayed. On the lower left side, an upper limit amount input field is provided, and on the lower side, a limit amount is displayed for reference. On the right side, a numeric keypad is set. At this time, the user can input the upper limit using the touch panel 557 and the jog dial 555. The amount that can be entered in the input field is a value that is less than or equal to the limit amount. Then, after inputting the upper limit amount, the input amount can be set by pressing “decision”.

  Next, the control unit 552 determines whether or not an input amount has been input (step S124). If it is determined that the input amount has not been input, the process returns to step S123. On the other hand, if it is determined that the input amount has been input, the process proceeds to step S125.

In step S125, the control unit 552 displays a notification condition input screen on the display device 554. FIG. 18B shows an image displayed on the display device 554 at this time. In the center of the screen, an image indicating an instruction “Please input notification conditions” is displayed. In the lower left, “notification level number”, “parameter”, and “LV1” to “LV4” are displayed. The “number of notification levels” corresponds to the number of notification stages. As the “parameter”, either a ratio or a difference can be selected. Since the number of notification levels is set to 3, only “LV1” to “LV3” have a numerical range for parameters (ratio), and no parameter is set to “LV4”. The “ratio” is expressed as (difference obtained by subtracting the accumulated usage amount from the set upper limit amount) / the set upper limit amount, and “difference” is a difference amount obtained by subtracting the accumulated use amount from the set upper limit value. In “LV1”, the ratio is set to 0% or more and 80% or less, in “LV2” the ratio is set to over 80% and 90% or less, and in “LV3”, the ratio is set to over 90 and 100% or less. Yes.
When such an image is displayed, the user can input a value for each item using the touch panel 557 and the jog dial 555, and then press the “OK” button to input the notification. A value for the condition can be determined.

  Next, the control unit 552 determines whether or not a notification condition has been input (step S126). If it is determined that the notification condition has not been input, the process returns to step S125. If it is determined that the notification condition has been input, the process proceeds to step S127.

In step S127, the control unit 552 displays a notification mode input screen on the display device 554. FIG. 18C shows an image displayed on the display device 554 at this time. In the center of the screen, an image indicating an instruction “Please set the notification mode” is displayed. Below that, a table for inputting a notification mode is arranged. Each “notification LV” has three items of “color”, “display”, and “sound”. “Color” indicates a notification color, that is, a color system of an image displayed on the display device 554. “Display” indicates a display mode of an image displayed on the display device 554. “1” indicates a fast flashing pattern, “2” indicates a slow flashing pattern, and “3” indicates a lighting pattern.
When such an image is displayed, the user can input a value for each item using the touch panel 557 and the jog dial 555, and then input the value by pressing “OK”. It is possible to determine a value for the notification mode.

  Next, the control unit 552 determines whether or not a notification mode has been input (step S128). If it is determined that the notification mode has not been input, the process proceeds to step S127. On the other hand, if it is determined that the notification mode has been input, the process proceeds to step S129.

  In step S129, the control unit 552 displays a password input screen on the display device 554. When the input is completed, the subroutine is terminated.

The result of the process shown in FIG. 18 is stored in the notification mode selection table in the RAM 552M.
FIG. 19 is a diagram illustrating an example of a notification mode selection table.
In the notification mode selection table, the difference evaluation parameter, the difference evaluation result, and the notification mode are associated with each other. In the present embodiment, the evaluation parameter for the difference is the accumulated usage amount / contrast amount within a predetermined period, the number of notification levels is 3, and the notification color, the notification display mode, and the notification sound are set as the notification mode. However, the present invention is not limited to this example.

<< Settlement completion display process >>
The payment completion process is a process in step S1-12 of the process shown in FIG. 12, but in the second embodiment, the IC card 550 also receives payment data from the payment terminal 120 and performs the payment completion process.
FIG. 20 is a flowchart showing a subroutine of settlement completion display processing executed by the IC card 550.

When receiving the payment data from the payment terminal 120, the control unit 552 stores the payment data together with the date / time data in the RAM 552M, and calculates a difference evaluation parameter based on the plurality of payment data stored in the RAM 552M and the set upper limit value. (Step S140). After that, the control unit 552 refers to the notification mode selection table (see FIG. 19) and selects a notification mode according to the difference evaluation parameter (step S141).
Next, the control unit 552 performs voice and display of payment completion (step S142), and then outputs the difference evaluation result over a predetermined period (step S143). Specifically, based on the notification mode selection table shown in FIG. 19, the control unit 552 causes the display device 554 to light up and display a blue image if the accumulated settlement amount with respect to the set upper limit amount is 80% or less. At this time, the notification sound is not output from the speaker 561. Also, if the accumulated settlement amount with respect to the set upper limit is more than 80% and not more than 90%, a yellow image is flashed and displayed on the display device 554, and a notification sound “pi, pi, pi” is output from the speaker 561. . Further, if the accumulated settlement amount with respect to the set upper limit value is more than 90% and not more than 100%, a red image is blinked and displayed on the display device 554 at high speed, and a notification sound “Pi” is output from the speaker 561. By this notification, the user can grasp how much the settlement service system has been used.

  As described above, the information terminal device of the present invention is preferably configured to set the notification condition and the notification mode based on the instruction input by the user via the input unit. The notification mode is a combination of a plurality of types of elements (such as image type, color or size, lamp color or lighting mode, sound pattern, melody, size, etc.). It is desirable that the elements of the notification mode can be combined based on the input instruction.

  If the notification mode when the IC card 550 is held over the payment terminal 120 to make a payment at a store is fixed, there is a risk that the remaining amount of the user may be grasped by another person and the user cannot use it with peace of mind. There is. On the other hand, according to the above configuration, since the notification mode is customized by the user himself / herself, the user can confirm the content at the time of settlement, while preventing the content from being confirmed by others. it can. Therefore, the user can use the IC card 550 with a feeling closer to an actual “wallet”.

<< History display >>
In step S140 of the process shown in FIG. 20, the payment data is stored in the history table in the RAM 552M.
FIG. 21 is a diagram illustrating an example of a history table.
In the history table, for each unit transaction, a payment identification number is assigned in sequence, and further, data indicating the payment service system used for the unit payment, payment date and time (date and time data when payment data is received), and payment amount (Settlement amount indicated by the settlement data) is stored.
Note that the data stored in the history table may be limited by the number of payment data, or may be limited by the date and time of payment.

The data stored in the history table is used when displaying the transaction history on the display device 554.
FIGS. 22A to 22C are diagrams schematically showing settlement history images displayed on the display device 554. FIG.
FIG. 22A shows a menu screen. Here, options of “all transactions”, “by system”, “period specification”, and “setting” are displayed as menus. At this time, the user can select one of the options using the touch panel 557 and the jog dial 555.

  FIG. 22B is an image displayed when “all transactions” is selected. The transaction history in each settlement service system is displayed in a mixed manner. FIG. 22C shows an image displayed when “Specify period” is selected and the current day is selected. Thus, according to the IC card 550, the transaction history can be confirmed using the IC card 550 without going through the Internet.

<< Settlement service system switching setting process >>
FIG. 23 is a flowchart showing a subroutine of the settlement service system switching process executed by the IC card 550. This subroutine is a subroutine that is executed when payment processing is not performed.
24A and 24B are diagrams schematically showing an image displayed on the display device 554 when the process shown in FIG. 23 is executed.

  The control unit 552 determines whether or not the dial has been pressed in the standby state (step S160). Processing for displaying a menu is performed (see step S161, FIG. 16A).

  Next, it is determined whether or not system switching (an option for “switch setting”) has been selected (step S162). If the system switching menu is not selected, the process returns to step S161. If the system switching menu is selected, the process proceeds to step S163.

  In step S163, the control unit 552 displays the image shown in FIG. 24A on the display device 554, thereby allowing the user to select the second use settlement service system (step S163). The logo “Fhy” in the upper left of the screen shown in FIG. 24A indicates that “Fhy” is currently set as a payment service system used for payment. “Fhy” is a prepaid payment service system, and the upper limit set by the user is 100,000 yen, but already 95,000 yen is used, and the remaining balance is 5,000. It is a circle.

  In the center of the screen, an image indicating an instruction “Please select a second system” is displayed. The second system here is automatically set when the available amount in the settlement service system (first system, corresponding to “Fhy” in the present embodiment) set at the current time becomes 0 yen. Payment service system.

  On the lower side of the image indicating the instruction, logos “iB” and “QUINPai” are displayed, and “iB” is currently displayed in the center. On the right side, the current setting content for “iB” is displayed. At this time, when the user rotates the jog dial 555, the positions of the “iB” and “QUINPai” logos are switched, and accordingly, the setting contents displayed on the right side thereof are changed. When the user presses the jog dial 555, the payment service system corresponding to the logo displayed on the near side at the time of pressing is set as the second system.

When the second use settlement service system is selected in step S163, the control unit 552 displays a password input screen on the display device 554 (step S164). When the input is completed, the control device 552 displays the password on the display device 554. An image as shown in FIG. 24B is displayed, and the user is requested to select a notification mode (step S165). In the image shown in FIG. 24B, the payment service system “Fhy” (prepaid method, prepaid) arranged in the top row is a first system, and the payment service system “iB” (postpay method, arranged in the next row) Post-pay) is a second system. In the center of the screen, an image indicating an instruction “Please select a notification mode” is displayed, and a table for inputting a notification mode is arranged below the image. In the table, “notification LV” is set to “system switching”, and elements of notification modes of “color”, “display”, and “sound” are associated with each other. When such an image is displayed, the user can input a value for each item using the touch panel 557 and the jog dial 555, and then input the value by pressing “OK”. It is possible to determine a value for the notification mode.
After executing the processing of step S165, this subroutine is terminated.

  As described above, in the IC card 550, when the prepaid payment service system is set as the first system and the postpay payment service system is set as the second system, in the payment management system, for example, as shown in FIG. Processing is executed.

FIG. 25 is a flowchart showing processing executed in the payment management system according to the second embodiment.
The process shown in FIG. 25 is the same as that shown in FIG. 25 except that a deposit settlement process (step S1-3 ′) is performed between the request signal reception (step S1-3) and the ID data transmission process (step S1-4). 12 is the same as the process shown in FIG. 12, and the description of the process similar to the process shown in FIG.

FIG. 26 is a flowchart showing a subroutine of deposit settlement processing executed by IC card 550.
First, the control unit 552 receives transaction amount data indicating the amount of unit transaction in the advance payment method payment service system from the payment terminal 120 (step S180). Next, it is determined whether or not the amount of the unit transaction is larger than the usable amount in the prepaid payment service system (first system) (step S181).

  In step S181, if the amount of the unit transaction is equal to or less than the usable amount in the prepaid payment service system, the entire amount of the unit transaction can be settled by the prepaid payment service system. Accordingly, the control unit 552 performs a process for depositing the entire unit transaction (step S182), and ends this process. In this case, since the payment process is completed, the subsequent process in FIG. 25 is not performed.

  On the other hand, if the unit transaction amount is larger than the usable amount in the prepaid payment service system in step S181, the entire unit transaction amount cannot be settled by the prepaid payment service system. Accordingly, the control unit 552 deposits only the amount corresponding to the usable amount in the advance payment type payment service system among the unit transaction amounts (step S183). Next, the control unit 552 sets the second system identification data in the RAM 552M as identification data used for payment, thereby performing a process of switching the payment service system used for payment (step S184).

  Subsequently, the control unit 552 notifies system switching (step S185). For example, when the notification mode illustrated in FIG. 24B is set, the control unit 552 causes the display device 554 to blink a green image at high speed, and outputs a notification sound “pea” from the speaker 561. Thereby, the user can recognize that the payment service system used for payment has been switched. Thereafter, this subroutine is terminated, and the process proceeds to step S1-4 in FIG. In step S1-4, identification data is transmitted from the IC card 550 to the payment terminal 120, and data indicating the remaining payment amount is also transmitted. Then, the subsequent processing is performed on the remaining payment amount.

As a result, the settlement for one unit transaction can be performed by a plurality of settlement service systems, and the settlement service system at that time is automatically switched, which is convenient for the user.
It is very embarrassing for the user that the payment cannot be made due to a shortage of the balance when using the payment service system. Even if payment for one unit transaction can be performed by a plurality of payment service systems, if the switching cannot be performed automatically, the user will eventually switch when performing payment at the store. You have to be embarrassed.
The present invention has successfully solved such a problem. In addition, when the settlement service system is switched, the notification is performed in a mode set by the user, so that it is possible to prevent others from knowing that the settlement service system has been switched.

  Although the first embodiment and the second embodiment have been described above, the present invention is not limited to these embodiments, and for example, the following configurations can be adopted.

  In the second embodiment described above, as shown in FIGS. 25 and 26, the case where the first system is a prepaid payment service system and the second system is a postpay payment service system has been described. The combination of the first system and the second system is not limited to this example. For example, the combination of the first system and the second system is a prepaid system, the combination of the first system and the second system is the postpaid system, and the first system is the postpay system. Examples include combinations in which the second system is a prepaid system.

10 Mobile phone (information terminal equipment)
16 Display unit (display device)
18 Storage unit (storage device)
50 IC card (information terminal equipment)
54 Display (Display Device)
56 Storage unit (storage device)
100 payment management system 120 payment terminal (payment terminal device)
140 management server 142 control unit (cumulative settlement amount control device)
144 Storage unit (payment information storage device)
550 IC card (information terminal equipment)
552 Microcomputer (control unit)
552C CPU
552R ROM (storage unit)
552M RAM (storage unit)
554 Display device (display unit)
555 Jog dial (input section)
555P Press detection sensor 555D Dial rotation detection sensor 557 Touch panel (input unit)
558 Non-contact IC chip (memory unit)
559 Clock circuit (clock part)
560 Transmission / reception circuit (transmission / reception unit)
561 Speaker 562 Secondary battery 563 Non-contact charging circuit 564 Power supply unit

Claims (2)

A portable information terminal device that transmits and receives payment data for payment to a payment service system including a first system for payment and a second system that is different from the first system. And
A storage unit for storing a notification mode that can be set by the user;
If payment by the payment data is not possible in the first system, the payment is made by switching to the second system, and is set by the user when switching from the first system to the second system. A portable information terminal device comprising: a control unit that performs notification in the notification mode. Control of portable information terminal device for transmitting / receiving settlement data for settlement to / from a settlement service system including a first system for settlement and a second system different from the first system A method,
The information terminal device
A storage unit for storing a notification mode that can be set by the user;
And a control unit,
The controller is
If payment by the payment data is not possible in the first system, switch to the second system and pay,
A control method for a portable information terminal device, wherein notification is performed in a notification mode set by the user when switching from the first system to the second system.

Images