JP2016091102A - Radio terminal device, settlement control method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To restrain unintended electronic settlement from being performed, since a part of a plurality of terminal devices is used by another person.SOLUTION: When a radio terminal device 10 receives, from a second wearable terminal 30, polling notice for notifying reception of a polling signal from a settlement terminal 40, it determines whether it is connected with a first wearable terminal 20 by short-range radio communication (S1-S3). When the radio terminal device 10 is connected with the first wearable terminal 20, it transmits a response instruction for instructing a response to the settlement terminal 40 in order to permit electronic settlement performed via the second wearable terminal 30 (S4), and then it instructs the second wearable terminal 30 to transmit a settlement request when receiving, from the second wearable terminal 30, confirmation notice for notifying the reception of a confirmation signal from the settlement terminal 40 (S6-S8).SELECTED DRAWING: Figure 8

Description

  The present invention relates to a technique for controlling electronic payment performed via an external terminal device.

  There is a technique of linking functions installed in each terminal device by connecting a plurality of terminal devices by wireless communication. For example, Patent Document 1 discloses that a security module that executes electronic money settlement processing is mounted on an external control device that communicates with a customer service terminal without being installed on a customer service terminal installed in a store or the like. . In this case, commands and data necessary for the electronic money settlement process are exchanged between the security module of the customer service terminal and the control device. As a technique related to electronic payment, Patent Document 2 selects an electronic money type with the highest return rate from a plurality of electronic money types in order to automatically select the most suitable electronic money type for payment. Is disclosed.

JP 2008-33888 A JP 2013-145600 A

A single user may have a plurality of terminal devices such as smartphones, tablet computers, and wearable computers, and use them depending on the purpose of use. In addition, this user may lend a part of a plurality of terminal devices to others and temporarily use them. For example, a part of a terminal device owned by a father may be lent to a child and purchased by electronic payment. At this time, it is only necessary that the father grants the electronic payment by the child and the terminal device is lent. For example, even if the child takes out the terminal device owned by the father without permission, the electronic payment by the child is possible. It becomes.
Accordingly, an object of the present invention is to prevent a part of a plurality of terminal devices from being used by others and causing unintended electronic payments to be performed.

  In order to solve the above-described problems, a wireless terminal device of the present invention is connected to each of an external first terminal device and an external second terminal device that can be connected to a payment terminal that performs electronic payment, thereby performing wireless communication. And a settlement control unit for controlling the electronic settlement performed via the second terminal device based on a connection state between the wireless communication unit and the first terminal device.

In the wireless terminal device of the present invention, the payment control unit may permit the electronic payment to be performed via the second terminal device when the wireless communication unit is connected to the first terminal device. .
In the wireless terminal device of the present invention, the payment control unit is configured to perform the electronic payment performed via the second terminal device according to a state of the wireless communication performed between the wireless communication unit and the first terminal device. Limits may vary.
In the wireless terminal device of the present invention, the wireless communication unit includes a first wireless communication unit and a second wireless communication unit having a longer distance for wireless communication than the first wireless communication unit, and the settlement control unit When the second terminal device is connected to the first wireless communication unit, when the second terminal device is connected to the second wireless communication unit without the permission of the user of the own wireless terminal device. The electronic settlement performed via the second terminal device may be permitted on condition that the user is permitted.

In the wireless terminal device of the present invention, the wireless communication unit can further perform wireless communication with an external third terminal device, and the payment control unit includes the wireless communication unit and the first terminal device. Depending on which one of the three terminal devices is connected, the restriction of the electronic payment performed through the second terminal device may be varied.
In the wireless terminal device of the present invention, the first terminal device is connectable to the payment terminal, and the payment control unit is configured such that the wireless communication unit is connected to at least one of the first terminal device and the second terminal device. When not connected, both the electronic payments performed via the first terminal device and the second terminal device may be prohibited.
In the wireless terminal device of the present invention, the settlement control unit may set the electronic settlement restriction for each device connectable to the settlement terminal.

  In the settlement control method of the present invention, a wireless terminal device that performs wireless communication by connecting to each of an external first terminal device and an external second terminal device that is connected to a payment terminal that performs electronic payment, And a step of controlling the electronic settlement performed via the second terminal device based on a state of connection with the first terminal device.

  A program of the present invention is a wireless terminal device including a wireless communication unit that performs wireless communication by connecting to each of an external first terminal device and an external second terminal device connected to a payment terminal that performs electronic payment. This program causes the computer to execute a step of controlling the electronic settlement performed via the second terminal device based on a connection state between the wireless communication unit and the first terminal device.

  ADVANTAGE OF THE INVENTION According to this invention, it can suppress that some of several terminal devices are used by others, and the electronic payment which is not intended is performed.

Explanatory drawing of the outline | summary of one Embodiment of this invention. The block diagram which shows the structure of the radio | wireless terminal apparatus which concerns on the same embodiment. The block diagram which shows the structure of the 1st wearing type terminal and 2nd wearing type terminal which concern on the embodiment. The sequence diagram which shows the flow of the electronic payment of the (operation example 1) in the same embodiment. The sequence diagram which shows the flow of the electronic payment of the (operation example 2) in the same embodiment. The sequence diagram which shows the flow of the electronic payment of the (operation example 3) in the same embodiment. Explanatory drawing of the outline | summary of (Operation example 3) in the same embodiment. The sequence diagram which shows the flow of the electronic payment of the (operation example 4) in the same embodiment.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram for explaining the outline of the present embodiment.
A wireless terminal device 10 shown in FIG. 1 is a terminal device that is held and used by a user, and is a smartphone here. Each of the first wearable terminal 20 (first terminal device) and the second wearable terminal 30 (second terminal device) is a terminal device (that is, a wearable computer) in a form used by a user wearing on an arm. Here, it is a wristband type terminal device. Each of the wireless terminal device 10, the first wearable terminal 20, and the second wearable terminal 30 has a function of connecting to each other and performing wireless communication.

  Here, each of the wireless terminal device 10, the first wearable terminal 20, and the second wearable terminal 30 is owned by a user A (for example, a father) who is the same user. In the illustration of FIG. 1, a state in which the second wearable terminal 30 is lent to a user B (for example, a child) is shown.

  The wireless terminal device 10 is equipped with an electronic settlement function that performs electronic settlement using electronic money. This electronic payment function can be used not only by the wireless terminal device 10 but also by the first wearable terminal 20 and the second wearable terminal 30. For example, when the second wearable terminal 30 uses the electronic payment function, as shown in FIG. 1, the reader / writer device of the payment terminal 40 (for example, electronic register) that performs electronic payment installed in a store or the like is connected to the second writer device. The wearable terminal 30 is brought close to the wearable terminal 30. That is, the first wearable terminal 20 and the second wearable terminal 30 function as a non-contact interface that connects to the payment terminal 40 when the wireless terminal device 10 performs electronic payment.

FIG. 2 is a block diagram illustrating a configuration of the wireless terminal device 10. As illustrated in FIG. 2, the wireless terminal device 10 includes, as a hardware configuration, a control unit 11, a UI (User Interface) unit 12, a wireless communication unit 13, and a secure element (hereinafter referred to as “SE”) 14. And a storage unit 15.
The control unit 11 includes a microcomputer including a central processing unit (CPU), a read only memory (ROM), and a random access memory (RAM) as an arithmetic processing unit. The CPU controls each unit of the wireless terminal device 10 by reading the program stored in the ROM or the storage unit 15 into the RAM and executing it. The UI unit 12 is a display device that employs, for example, a touch screen, and includes a display unit that displays an image and a user interface that includes an operation unit that receives a user operation using the touch screen.

  The wireless communication unit 13 includes a short-range wireless communication unit 131 and a network communication unit 132, and performs wireless communication by connecting to an external device. The short-range wireless communication unit 131 has, for example, a wireless communication circuit and an antenna, and is connected to an external device set as a communication partner (that is, paired), and is short-range compliant with Bluetooth (registered trademark) A first wireless communication unit that performs wireless communication. The short-range wireless communication performed by the short-range wireless communication unit 131 may be short-range wireless communication of another communication standard as long as it is wireless communication performed when the distance between the devices approaches a predetermined distance or less. The network communication unit 132 includes, for example, a wireless communication circuit and an antenna, and is a second wireless communication unit that performs wireless communication (hereinafter referred to as “network communication”) by connecting to a network (mobile communication network) (not shown). The network communication may be, for example, wireless LAN (Local Area Network) communication conforming to Wi-Fi (registered trademark). As described above, the wireless communication performed by the network communication unit 132 has a longer distance for wireless communication than the short-range wireless communication unit 131.

  SE14 is a security module for electronic payment, and functions as an electronic payment means. The SE 14 stores data for performing electronic payment, and realizes secure communication using an authentication key, an encryption key, or the like. Data stored in the SE 14 includes electronic money information M. The electronic money information M includes, for example, a user identifier for identifying a user and balance information indicating a balance for each type of electronic money that can be used for payment.

The storage unit 15 is a storage device such as an EEPROM (Electronically Erasable and Programmable ROM) or a flash memory. The storage unit 15 stores, for example, an electronic money application AP for accessing the SE 14 and performing electronic payment. The electronic money application AP is an application program for performing electronic payment in cooperation with the first wearable terminal 20 and the second wearable terminal 30. The control unit 11 realizes a function corresponding to the settlement control unit 111 by executing the electronic money application AP. The payment control unit 111 controls the electronic payment in cooperation with the first wearable terminal 20 and the second wearable terminal 30.
Note that the wireless terminal device 10 includes a configuration (for example, an antenna, a module for wireless communication, etc.) for the device itself to connect to the payment terminal 40 and perform electronic payment, but the description thereof is omitted in this embodiment.

  FIG. 3 is a block diagram illustrating configurations of the first wearable terminal 20 and the second wearable terminal 30. The configuration of the first wearable terminal 20 and the second wearable terminal 30 in this embodiment is substantially the same. Hereinafter, the configuration of the first wearable terminal 20 will be mainly described. The first wearable terminal 20 includes a control unit 21, an operation unit 22, a wireless communication unit 23, a CLF (Contact Less Frontend) chip 24, an antenna 25, and a storage unit 26 as hardware configurations.

  The control unit 21 is configured by the same hardware as the control unit 11 and controls each unit of the first wearable terminal 20. The operation unit 22 is an operation device that includes a physical key and is operated by a user. The wireless communication unit 23 includes a short-range wireless communication unit 231 and a network communication unit 232, and performs wireless communication by connecting to an external device. The near field communication unit 231 and the network communication unit 232 are configured by the same hardware as the near field communication unit 131 and the network communication unit 132, respectively. The CLF chip 24 is a communication control unit that performs wireless communication based on the NFC standard performed via the antenna 25. The storage unit 26 is configured by the same hardware as the storage unit 15 and stores a program executed by the control unit 21.

  The second wearable terminal 30 includes a control unit 31, an operation unit 32, a wireless communication unit 33, a CLF chip 34, an antenna 35, and a storage unit 36. Each means (element) of the second wearable terminal 30 corresponds to the means (element) of the same name in the first wearable terminal 20.

Next, an operation related to electronic payment according to the present embodiment will be described. Below, the operation | movement which concerns on the electronic payment performed via the 2nd wearable terminal 30 is demonstrated. Prior to this electronic payment, the user A connects the wireless terminal device 10 possessed by the user A and the first wearable terminal 20 to each other. Near-field wireless communication is used for this connection. In addition, when permitting electronic payment to be performed via the second wearable terminal 30, the user A connects the wireless terminal device 10 and the second wearable terminal 30 to each other in advance. For this connection, either short-range wireless communication or network communication is used, but short-range wireless communication is selected unless otherwise specified.
Hereinafter, the following (Operation Example 1) to (Operation Example 4) will be described as operations related to electronic payment.

(Operation example 1)
FIG. 4 is a sequence diagram showing the flow of electronic payment in (Operation Example 1).
When the user B wants to make a payment at a store where the payment terminal 40 is installed, when the employee B asks the clerk to use electronic payment, the clerk operates the payment terminal 40 to change the payment method to electronic payment. Instruct to do. In response to this instruction, the settlement terminal 40 starts transmitting a polling signal via the reader / writer device.

  When user B brings the second wearable terminal 30 close to (holds over) the reader / writer device, the second wearable terminal 30 connects to the payment terminal 40. This connection is performed by wireless communication conforming to the NFC standard. Then, the CLF chip 34 of the second wearable terminal 30 receives the polling signal transmitted from the settlement terminal 40 via the antenna 35 (step S1). When the polling signal is received, the control unit 31 transmits a polling notification for notifying reception of the polling signal to the wireless terminal device 10 via the short-range wireless communication unit 331 (step S2).

  When receiving the polling notification via the short-range wireless communication unit 131, the control unit 11 of the wireless terminal device 10 determines whether the short-range wireless communication unit 131 is connected to the first wearable terminal 20 (step S3). . When it determines with "NO" at step S3, the control part 11 prohibits electronic payment (step S12). When the wireless terminal device 10 and the first wearable terminal 20 are not connected by short-range wireless communication, there is a possibility that at least one of these is not at hand of the user A. For example, although the first wearable terminal 20 is worn on the arm of the user A, the wireless terminal device 10 may be taken out by the user B. In this case, since there is a possibility that the electronic payment performed by the user A via the second wearable terminal 30 is not permitted, the control unit 11 prohibits the electronic payment.

  On the other hand, when it determines with "YES" at step S3, ie, when the radio | wireless terminal apparatus 10 and the 1st wearable terminal 20 are connected by near field communication, the control part 11 is a response with respect to reception of a polling signal. Is transmitted to the second wearable terminal 30 via the short-range wireless communication unit 131 (step S4). When receiving the response instruction via the short-range wireless communication unit 331, the control unit 31 of the second wearable terminal 30 transmits a response signal to the payment terminal 40 (step S5).

  When receiving the response signal from the second wearable terminal 30, the payment terminal 40 transmits a payment request for requesting electronic payment to the second wearable terminal 30 (step S6). This payment request includes information specifying the type of electronic money used for electronic payment and the payment amount. When the CLF chip 34 of the second wearable terminal 30 receives this settlement request via the antenna 35, the control unit 31 sends a settlement request notification for notifying receipt of the settlement request via the short-range wireless communication unit 331. And transmitted to the wireless terminal device 10 (step S7).

When receiving the settlement request notification via the short-range wireless communication unit 131, the control unit 11 of the wireless terminal device 10 accesses the SE 14 and updates the electronic money information M (step S8). For example, the control unit 11 subtracts the payment amount from the balance specified by the electronic money information M for the electronic money used for the electronic payment. And the control part 11 transmits the payment response instruction | indication which shows the response that the process according to a payment request was completed to the 2nd wearable terminal 30 via the near field communication part 131 (step S9). When receiving the payment response instruction via the short-range wireless communication unit 331, the control unit 31 of the second wearable terminal 30 transmits a payment response signal to the payment terminal 40 (step S10). When receiving the response signal from the second wearable terminal 30, the payment terminal 40 completes the electronic payment (Step S11).
In the above description, the name of the signal received by the second wearable terminal 30 is different from the name of the signal transmitted by the second wearable terminal 30 based on this signal (for example, a polling signal and (Polling notification), the first wearable terminal 20 only needs to perform a process of relaying a signal transmitted and received between the wireless terminal device 10 and the payment terminal 40. Further, the above-described settlement request and settlement response may be a transaction request and a transaction response, respectively.

  As described above, when the wireless terminal device 10 is connected to the first wearable terminal 20 by short-range wireless communication, the wireless terminal device 10 permits electronic payment performed through the second wearable terminal 30 and is not connected. Sometimes this electronic payment is prohibited. Thereby, even if the second wearable terminal 30 and the first wearable terminal 20 are taken out by the user B without the user A's knowledge, the electronic payment unintended by the user A is performed. Can be suppressed.

(Operation example 2)
FIG. 5 is a sequence diagram showing the flow of electronic payment in (Operation Example 2). In this (operation example 2), restrictions on electronic payment differ depending on the state of wireless communication between the wireless terminal device 10 and the first wearable terminal 20.
Specifically, after the processing of steps S1 to S7 is executed as in (Operation Example 1), the control unit 11 of the wireless terminal device 10 depends on the state of wireless communication with the first wearable terminal 20, A restriction on electronic payment is specified (step S21).

  As a state of wireless communication, here, communication means used for connection with the first wearable terminal 20, reception strength of a signal (radio wave) from the other party when connected by short-range wireless communication, or a combination thereof There is. For example, when the communication means used for connection is the short-range wireless communication unit 131, the distance between the wireless terminal device 10 and the first wearable terminal 20 is shorter than when the network communication unit 132 is used. It is estimated to be. And it is estimated that the electronic payment performed via the 2nd wearable terminal 30 is likely to be permitted by the user A, so that this distance is near. Therefore, when the short-range wireless communication unit 131 is used, the control unit 11 reduces electronic payment restrictions as compared with the case where the network communication unit 132 is used. For the same reason, it is estimated that the distance between the wireless terminal device 10 and the first wearable terminal 20 is shorter as the reception strength of the signal from the other party when connected by short-range wireless communication is larger. Therefore, the control unit 11 reduces the restriction of electronic payment as the signal reception intensity is higher.

  The electronic payment limit is, for example, the upper limit of the amount that can be settled. The lower the limit on electronic payment, the higher this limit. The restriction of electronic payment is not limited to this example, but depends on the place where payment can be made (a reader / writer device that can make payment), the object of payment (product), whether age restriction is applied, the type of electronic money used for electronic payment, etc. There may be. That is, restrictions on electronic payments do not completely prohibit the use of electronic payments, but any restrictions may be applied as long as they cause some restrictions on the movement of monetary value by electronic payments.

  When the electronic payment limitation is specified in step S21, the control unit 11 determines whether or not electronic payment can be performed after applying the specified electronic payment limitation (step S22). Here, when it is impossible to perform the electronic payment (step S22; NO), the control unit 11 prohibits the electronic payment (step S23). On the other hand, when the electronic payment can be made (step S22; YES), the control unit 11 proceeds to step S8, accesses SE14, and updates the electronic money information M. In FIG. 5, the illustration of the processing after step S9 is omitted, but the processing after step S9 may be performed in the same manner as in (Operation Example 1).

  As described above, when the wireless terminal device 10 is connected to the first wearable terminal 20 by short-range wireless communication, electronic payment is performed using the second wearable terminal 30 according to the communication state. Restrict. Then, the wireless terminal device 10 reduces the restrictions on electronic payment as it is estimated that there is a high possibility that the user has permitted electronic payment based on the state of wireless communication between the wireless terminal device 10 and the first wearable terminal 20. . This makes it easy to use electronic payment via the first wearable terminal 20 and to make it difficult for the electronic payment not intended by the user A to be performed.

(Operation example 3)
FIG. 6 is a sequence diagram showing the flow of electronic payment in (Operation Example 3). In this (operation example 3), the response to be performed by the user A differs depending on the communication means used for connection between the wireless terminal device 10 and the second wearable terminal 30.
Specifically, after the processing of steps S1 to S7 is executed as in (Operation Example 1), whether or not the control unit 11 of the wireless terminal device 10 is being connected to the second wearable terminal 30 by short-range wireless communication. Is determined (step S31). When it determines with being connected with the 2nd wearable terminal 30 by near field communication (step S31; YES), the control part 21 progresses to step S8 similarly to (operation example 1), and accesses SE14. The electronic money information M is updated.

  On the other hand, when it is determined that the control unit 11 is not connected to the second wearable terminal 30 by short-range wireless communication, that is, connected by network communication (step S31; NO), the user of the own wireless terminal device It is determined whether or not electronic payment is permitted by the user A (step S32). The control unit 31 inquires of the user A whether or not to permit electronic payment, for example, by displaying a predetermined inquiry screen. In response to this inquiry, when a response to permit electronic payment (for example, input of a predetermined password) is received, the control unit 11 determines that electronic payment is permitted by the user A (step S32; YES) If it is determined that the electronic payment is permitted, the control unit 11 proceeds to step S8 and accesses SE14 to update the electronic money information M, as in (Operation Example 1). In FIG. 6, the illustration of the processing after step S8 is omitted, but the processing after step S8 may be performed in the same manner as in (Operation Example 1). If it is determined “NO” in step S32, the control unit 11 prohibits electronic payment (step S33).

  As described above, the wireless terminal device 10 changes the necessity of permission of the user A according to the communication means when connected to the first wearable terminal 20. Here, when the communication means estimated that the distance between the user A and the user B is short is used, it is estimated that the user A's action of the user B is relatively easy. No permission is required. On the other hand, when the communication means that the distance between the user A and the user B is estimated to be long is used, it is estimated that it is relatively difficult for the user A to confirm the action of the user B. Need. Thereby, both the reduction of the effort of the user A of the wireless terminal device 10 and the difficulty of making an electronic payment unintended by the user A are compatible.

(Operation example 4)
In this (operation example 4), restrictions on electronic payment differ depending on the terminal device to which the wireless terminal device 10 is connected. In this embodiment, as shown in FIG. 7, in addition to the radio | wireless terminal apparatus 10, the 1st wearable terminal 20, and the 2nd wearable terminal 30, the 3rd wearable terminal 50 (3rd terminal device) exists. The third wearable terminal 50 has the same configuration as the first wearable terminal 20 or the second wearable terminal 30. In the present embodiment, the wireless terminal device 10 is used by the user B (for example, loaned from the user A), the first wearable terminal 20 is used by the user A, the second wearable terminal 30 is used by the user B, Consider a case where the 3-wear type terminal 50 is used by a user C (for example, mother) different from the users A and B.

FIG. 8 is a sequence diagram showing the flow of electronic payment in (Operation Example 4).
In this operation example, when the control unit 11 of the wireless terminal device 10 receives the polling notification via the short-range wireless communication unit 131 after the processing of Steps S1 and S2 that are the same as (Operation Example 1), the short-range wireless communication is performed. It is determined by the part 131 whether it is connecting with the 1st wearable terminal 20 or the 3rd wearable terminal 50 (step S40). When it determines with "NO" at step S40, the control part 11 prohibits electronic payment (step S12). On the other hand, when it determines with "YES" by step S40, ie, when the radio | wireless terminal apparatus 10 is connected with the 1st wearing type terminal 20 or the 3rd wearing type terminal 50 by near field communication, the control part 11 is. Then, a response instruction for instructing a response to reception of the polling signal is transmitted to the second wearable terminal 30 via the short-range wireless communication unit 131 (step S4).

After that, when the processing of steps S5 to S7 is executed as in (Operation Example 1), the control unit 11 of the wireless terminal device 10 performs the second operation according to the device to which the wireless terminal device is connected by short-range wireless communication. The restriction | limiting of the electronic payment performed via the wearable terminal 30 is specified (step S41). Specifically, the control unit 11 performs the operation via the second wearable terminal 30 depending on whether the own wireless terminal device is connected to the first wearable terminal 20 or the third wearable terminal 50. Different restrictions on electronic payments. As an example, when the control unit 11 is connected to the first wearable terminal 20 by short-range wireless communication, the control unit 11 restricts electronic payment more than when connected to the third wearable terminal 50 by short-range wireless communication. Reduce. When connecting with the 1st wearable terminal 20 by near field communication, the user B may be acting with the user A who uses the 1st wearable terminal 20, and the 3rd wearable terminal 50 and When connecting by short-range wireless communication, the user B may be acting together with the user C using the third wearable terminal 50. For this reason, it can also be said that the control part 11 has specified the restriction | limiting of electronic payment based on the person who exists with the user B in step S41. The restriction on electronic payment may be the same as the restriction described in (Operation Example 1).
In addition, when the radio | wireless terminal apparatus 10 is connected to both the 1st wearable terminal 20 and the 3rd wearable terminal 50, the restrictions when connecting with the 1st wearable terminal 20, and 3rd wear Either of the restrictions when connected to the type terminal 50 may be applied, but, for example, the user A follows the pre-setting for the wireless terminal device 10.

When the electronic payment restriction is specified in step S41, the control unit 11 determines whether or not electronic payment can be performed after applying the specified electronic payment restriction (step S42). When the electronic payment is impossible (step S42; NO), the control unit 11 prohibits the electronic payment (step S43). On the other hand, if the electronic payment can be made (step S42; YES), the control unit 11 proceeds to step S8, accesses SE14, and updates the electronic money information M. In FIG. 7, the illustration of the processing after step S9 is omitted, but the processing after step S9 may be performed in the same manner as in (Operation Example 1).
As described above, the wireless terminal device 10 can vary the restrictions on electronic payment in consideration of a user who is estimated to be acting together with a user who is about to make electronic payment.

The present invention can be implemented in a form different from the above-described embodiment. The present invention can also be implemented in the following forms, for example. Further, the following modifications may be combined as appropriate.
(Modification 1)
When the operation example 1 described above is modified and the wireless terminal device 10 is connected to the second wearable terminal 30 via the first wearable terminal 20, the wireless terminal device 10 is performed via the second wearable terminal 30. When the electronic payment is permitted and the second wearable terminal 30 is not connected via the first wearable terminal 20, the electronic payment may be prohibited. In this case, the connection between the first wearable terminal 20 and the second wearable terminal 30 and the connection between the wireless terminal device 10 and the first wearable terminal 20 are performed by short-range wireless communication, for example.

(Modification 2)
In embodiment mentioned above, the radio | wireless terminal apparatus 10 is equipped with SE14, and the electronic payment performed via the 1st wearable terminal 20 or the 2nd wearable terminal 30 is performed based on the information memorize | stored in this SE14. It was. Instead of this, each of the wireless terminal device 10, the first wearable terminal 20, and the second wearable terminal 30 may include an SE, and electronic settlement may be performed based on information stored in each SE. Also in this case, the wireless terminal device 10 can control the electronic payment in the first wearable terminal 20 and the second wearable terminal 30 by the method described in the above-described embodiment.
Also, information on electronic money used for electronic payment may be stored in a server device connected to the wireless terminal device 10 via a network, instead of being stored in the SE 14 of the wireless terminal device 10. In this case, information corresponding to the electronic money information M described above is stored in the server device. This server device communicates with the payment terminal 40 to update information corresponding to the electronic money information M in accordance with the electronic payment performed.

(Modification 3)
When the wireless terminal device 10 is not connected by short-range wireless communication with either the first wearable terminal 20 or the second wearable terminal 30, both the first wearable terminal 20 and the second wearable terminal 30 are used. Both electronic payments performed in may be prohibited. In other words, when the wireless terminal device 10 is connected to both the first wearable terminal 20 and the second wearable terminal 30 by short-range wireless communication, the first wearable terminal 20 and the second wearable terminal. Both electronic payments performed at both terminals 30 are permitted. Thereby, when both the first wearable terminal 20 and the second wearable terminal 30 are close enough to allow short-range wireless communication, the wireless terminal device 10 and the second wearable terminal 20 and the second wearable terminal Since the electronic payment performed at the terminal 30 is permitted, not only the second wearable terminal 30 but also the first wearable terminal 20 is used, and the possibility that the electronic payment not intended by the user A is performed is reduced.

(Modification 4)
In order to suppress electronic payments not intended by the user A, the control unit 11 may set electronic payment restrictions for each device that can be connected to the payment terminal 40. Devices that can be connected to the payment terminal 40 are the wireless terminal device 10, the first wearable terminal 20, and the second wearable terminal 30 (further, the third wearable terminal 50 described in the operation example 4). The restriction on the electronic payment for each device is in accordance with, for example, a preset setting for the wireless terminal device 10 by the user A.

(Modification 5)
A part of the configuration or operation described in each embodiment described above may be omitted. Moreover, the order of the processes described in the above-described embodiments may be changed.
The wireless terminal device of the present invention may be a wearable device or a stationary device instead of a device that is held and used by a user. The external terminal device connected to the wireless terminal device is not limited to a wearable terminal device, and may be a terminal device that is held and used by a user.
The electronic money of the above-described embodiment may be electronic data having a monetary value equivalent to or equivalent to money, which is called value. The electronic money in this case is a concept including electronic points, electronic coupons, and the like that generate a monetary value under a predetermined condition.

  The functions realized by the control unit 11 of the wireless terminal device 10 of the embodiment described above, the control unit 21 of the first wearable terminal 20, and the control unit 31 of the second wearable terminal 30 are realized by a combination of a plurality of programs. Alternatively, it can be realized by linking a plurality of hardware resources. When the functions of the control units 11, 21, 31 are realized using a program, this program can be a magnetic recording medium (magnetic tape, magnetic disk (HDD (Hard Disk Drive), FD (Flexible Disk)), etc.), optical It may be provided in a state stored in a computer-readable recording medium such as a recording medium (such as an optical disk), a magneto-optical recording medium, or a semiconductor memory, or may be distributed via a network. The present invention can also be grasped as a settlement control method.

DESCRIPTION OF SYMBOLS 10 ... Wireless terminal device, 11, 21, 31 ... Control part, 111 ... Settlement control part, 12 ... UI part, 13, 23, 33 ... Wireless communication part, 131, 231, 331 ... Short-range wireless communication part, 132, 232, 332: Network communication unit, 14 ... SE, 15, 26, 36 ... Storage unit, 20 ... First wearable terminal, 22, 32 ... Operation unit, 24, 34 ... CLF chip, 25, 35 ... Antenna, 30 ... 2nd wearable terminal, 40 ... Payment terminal, 50 ... 3rd wearable terminal

Claims (9)

A wireless communication unit that performs wireless communication by connecting to each of an external first terminal device and an external second terminal device that can be connected to a payment terminal that performs electronic payment;
A wireless terminal device comprising: a payment control unit that controls the electronic payment performed via the second terminal device based on a connection state between the wireless communication unit and the first terminal device. The settlement control unit
2. The wireless terminal device according to claim 1, wherein when the wireless communication unit is connected to the first terminal device, the electronic payment performed through the second terminal device is permitted. The settlement control unit
The restriction of the electronic payment performed via the second terminal device is made different depending on a state of the wireless communication performed between the wireless communication unit and the first terminal device. The wireless terminal device according to claim 2. The wireless communication unit
Including a first wireless communication unit and a second wireless communication unit having a longer distance for wireless communication than the first wireless communication unit,
The settlement control unit
When the second terminal device is connected to the first wireless communication unit, the second terminal device is connected to the second wireless communication unit without the permission of the user of the own wireless terminal device. The wireless terminal device according to any one of claims 1 to 3, wherein the electronic payment performed through the second terminal device is permitted on condition that the user has granted permission. The wireless communication unit can further perform wireless communication with an external third terminal device,
The settlement control unit
The restriction of the electronic payment performed via the second terminal device is made different depending on whether the wireless communication unit is connected to the first terminal device or the third terminal device. The wireless terminal device according to any one of claims 1 to 4. The first terminal device can be connected to the payment terminal,
The settlement control unit
When the wireless communication unit is not connected to at least one of the first terminal device and the second terminal device, both the electronic payments performed via the first terminal device and the second terminal device are prohibited. The radio | wireless terminal apparatus of any one of Claims 1-4 characterized by the above-mentioned. The settlement control unit
The wireless terminal device according to any one of claims 1 to 6, wherein the electronic payment limit is set for each device connectable to the payment terminal. A wireless terminal device that performs wireless communication by connecting to each of an external first terminal device and an external second terminal device connected to a payment terminal that performs electronic payment,
A payment control method comprising: controlling the electronic payment performed through the second terminal device based on a state of connection with the first terminal device. A computer of a wireless terminal device including a wireless communication unit that performs wireless communication by connecting to each of an external first terminal device and an external second terminal device connected to a payment terminal that performs electronic payment,
A program for executing a step of controlling the electronic settlement performed via the second terminal device based on a connection state between the wireless communication unit and the first terminal device.

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