JP2020009002A - User terminal device - Google Patents

Abstract

To improve user-friendliness and security while allowing a plurality of payment methods to be selectively used.SOLUTION: A user terminal device is provided which is wearable around user's wrist and includes: a first acquisition unit which acquires myopotential information from a worn part; an authentication unit which performs authentication based on biological information; a communication unit capable of communicating with an external terminal; and a control unit which, in response to successful authentication in the authentication unit, sets a first payment permission state in which payment via communication with the external device is possible, on the basis of correspondence information indicative of correspondence between a plurality of pairs of myopotential change modes and payment methods and the myopotential information. In the first payment permission state, the control unit allows payment in a payment method corresponding to a change mode to which the myopotential information is correlated to, out of the plurality of payment methods.SELECTED DRAWING: Figure 7

Description

  The present disclosure relates to a user terminal device.

  2. Description of the Related Art A technique for performing login authentication on a user terminal using myoelectric potential information of a user is known.

JP 2016-212696A

  By the way, in recent years, diversification of payments such as credit cards and electronic money has been progressing. For example, in a user terminal device equipped with a FeliCa (registered trademark) chip, a plurality of types of credit cards and electronic money can be registered. In this case, the user activates a payment application at the time of payment and sets a desired one. It is necessary to select a settlement method by an operation such as swipe and input authentication information such as a fingerprint, and there is room for improvement from the viewpoint of convenience and security.

  Therefore, in one aspect, an object of the present invention is to improve convenience and security while enabling a plurality of payment methods to be selectively used.

In one aspect, a user terminal device that can be worn on a user's wrist,
A first acquisition unit that acquires myoelectric potential information from a worn part,
An authentication unit that performs authentication based on biometric information;
A communication unit capable of communicating with an external terminal;
When the authentication by the authentication unit is successful, the settlement by communication with the external terminal is performed based on the correspondence information indicating a plurality of sets of correspondences between the change mode of the myoelectric potential and the settlement method, and the myoelectric potential information. And a control unit for forming a first settlement enabled state that is enabled.
The user terminal device, wherein the control unit enables the settlement by the settlement method associated with the change mode in which the myoelectric potential information is correlated among the plurality of settlement methods in the first settlement possible state. Provided.

  In one aspect, according to the present invention, it is possible to improve convenience and security while enabling a plurality of payment methods to be selectively used.

FIG. 2 is an explanatory diagram illustrating an appearance of a user terminal device according to one embodiment. FIG. 3 illustrates an example of a hardware configuration of a processing device. 3 is a functional block diagram illustrating an example of a functional configuration of a processing device for implementing a finger pay function. FIG. 4 is an explanatory diagram illustrating an example of myoelectric potential information. FIG. 9 is an explanatory diagram illustrating an example of correspondence information. FIG. 4 is an explanatory diagram illustrating an example of basic gesture data. It is an explanatory view of a usage method of a user terminal device. It is a flowchart which shows an example of the process performed by the processing apparatus of a user terminal device in a standby state. 9 is a flowchart illustrating an example of a process executed by a processing device of the user terminal device in a standby state. It is a flowchart which shows an example of the process performed by the processing device of a user terminal device in a payment possible state. 9 is a functional block diagram illustrating an example of a functional configuration of a processing device for implementing a finger pay function according to a first modification. FIG. 9 is an explanatory diagram of correspondence information according to a first modification. 14 is a functional block diagram illustrating an example of a functional configuration of a processing device for realizing a finger pay function according to Modification Example 2. It is an explanatory view of recommended settlement method information. FIG. 3 is a diagram schematically illustrating a relationship between a server and a user terminal device. 6 is a timing chart illustrating an example of information exchange between a server and a user terminal device.

  Hereinafter, each embodiment will be described in detail with reference to the accompanying drawings.

  FIG. 1 is an explanatory diagram illustrating an appearance of a user terminal device 10 according to an embodiment. FIG. 1 also shows the external terminal 90. The external terminal 90 is, for example, a payment terminal on the store side. For example, the external terminal 90 is a reader for FeliCa (registered trademark).

  The user terminal device 10 can be worn on a user's wrist, and has a ring-shaped form. The user terminal device 10 may be a dedicated terminal for a payment function (referred to as a “finger pay function”) described below, or an application such as a telephone, an email, a clock, a game, or the like may be executed. You may.

  As will be described later in detail, the user terminal device 10 realizes settlement by communicating with the external terminal 90. That is, when the user brings the user terminal device 10 close to the external terminal 90, communication between the user terminal device 10 and the external terminal 90 is executed, and payment at the store is realized according to the communication result. Such a settlement mode is widely known as Osaifu-Keitai (registered trademark) or Apple Pay (registered trademark). The finger pay function described below utilizes such settlement by short-range communication (hereinafter, simply referred to as “short-range communication settlement”).

  The finger pay function is a method of moving a hand (including moving a finger) with the user wearing the user terminal device 10 on the wrist, in accordance with the movement of the hand among a plurality of registered payment methods. This function enables short-distance communication payment using different types of payment methods.

  Payment methods include credit card payment, electronic money payment, prepaid card payment, debit card payment, and the like, and these are different types. In the case of payment using a credit card, the type of payment method differs depending on the type of credit card, and the same applies to electronic money, prepaid cards, and the like.

  The user terminal device 10 includes a myoelectric potential sensor 61, a vein sensor 62, an acceleration sensor 63, a GPS (Global Positioning System) receiver 64, an input device 68, an output device 69, and a processing device 100. In this embodiment, the acceleration sensor 63 and the GPS receiver 64 may be omitted. Note that the acceleration sensor 63 and the GPS receiver 64 are used in Modification Examples 1 and 2 described later.

  The myoelectric potential sensor 61 is provided on the inner peripheral surface of the ring-shaped user terminal device 10. When the user terminal device 10 is worn by the user, the myoelectric potential sensor 61 comes into contact with a part to be worn (wrist) of the user terminal device 10 by the user. The myoelectric potential sensor 61 acquires a surface myoelectric potential signal relating to the attached site. The surface myoelectric signal is generated by the electrical activity of the muscle fibers during contraction and is detected on the skin surface of the wear site.

  The vein sensor 62 is provided on the inner peripheral surface of the ring-shaped user terminal device 10. In a state where the user terminal device 10 is worn by the user, the vein sensor 62 comes into contact with or faces a part (wrist) to which the user terminal device 10 is worn by the user. The vein sensor 62 acquires an image (near-infrared image) of the attached site when the near-infrared ray is irradiated, and acquires a vein pattern (vein pattern) based on the near-infrared image.

  The acceleration sensor 63 acquires an acceleration signal representing the movement of the user terminal device 10. The acceleration sensor 63 acquires acceleration signals along three axes (three orthogonal axes) fixed to the user terminal device 10.

  The GPS receiver 64 receives a satellite signal from a GPS satellite and performs positioning based on the result of receiving the satellite signal.

  The input device 68 is, for example, a touch panel. The input device 68 may be realized by a microphone, a voice recognition engine, or the like.

  The output device 69 is, for example, a display device, for example, a liquid crystal display device. The output device 69 may include a sound output device such as a speaker, a device that outputs light (for example, a device that can selectively output light of a plurality of colors), a device that generates vibration, and the like.

  FIG. 2 is a diagram illustrating an example of a hardware configuration of the processing device 100. FIG. 2 schematically illustrates an electronic device 60 connected to the processing device 100 in association with the hardware configuration of the processing device 100. The electronic device 60 includes various electronic components included in the user terminal device 10, that is, a myoelectric potential sensor 61, an acceleration sensor 63, a vein sensor 62, a GPS receiver 64, an input device 68, and an output device 69.

  The processing device 100 includes a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, a ROM (Read Only Memory) 13, an auxiliary storage device 14, a drive device 15, and a communication interface 17 connected by a bus 19. , A wired transmission / reception unit 25 and a wireless transmission / reception unit 26 (an example of a communication unit) connected to the communication interface 17.

  The auxiliary storage device 14 is, for example, a hard disk drive (HDD) or a solid state drive (SSD), and is a storage device that stores data related to application software and the like.

  The wired transmission / reception unit 25 includes a transmission / reception unit that can communicate using a wired network. An electronic device 60 is connected to the wired transmission / reception unit 25. However, part or all of the electronic device 60 may be connected to the bus 19 or may be connected to the wireless transmission / reception unit 26.

  The wireless transmitting / receiving unit 26 includes a near field communication (NFC) unit such as FeliCa (registered trademark), a Bluetooth (registered trademark) communication unit, a Wi-Fi (Wireless-Fidelity) transmitting / receiving unit, It may include an infrared transceiver. The wireless transmitting / receiving unit 26 is a transmitting / receiving unit that can communicate using a wireless network. The wireless network may include a wireless communication network of a mobile phone, the Internet, a VPN (Virtual Private Network), a WAN (Wide Area Network), and the like.

  Note that the processing device 100 may be connectable to the recording medium 16. The recording medium 16 stores a predetermined program. The program stored in the recording medium 16 is installed in the auxiliary storage device 14 of the processing device 100 via the drive device 15. The installed predetermined program can be executed by the CPU 11 of the processing device 100. For example, the recording medium 16 is a recording medium for recording information optically, electrically or magnetically, such as a CD (Compact Disc) -ROM, a flexible disk, a magneto-optical disk, or the like, or an information, such as a ROM or a flash memory. May be a semiconductor memory or the like that electrically records the data.

  FIG. 3 is a functional block diagram illustrating an example of a functional configuration of the processing device 100 for implementing the finger pay function. FIG. 4 is an explanatory diagram illustrating an example of the myoelectric potential information. FIG. 5 is an explanatory diagram illustrating an example of the correspondence information. FIG. 6 is an explanatory diagram illustrating an example of the basic gesture data.

  The processing device 100 includes a sensor information acquisition unit 110, an authentication unit 120, a control unit 130, a payment execution unit 140, a registration information output unit 150 (an example of an output unit), a notification unit 160, and a registration processing unit 170. And a registration information storage unit 172. In the sensor information acquisition unit 110, the authentication unit 120, the control unit 130, the settlement execution unit 140, the registration information output unit 150, the notification unit 160, and the registration processing unit 170, the CPU 11 executes a program in a storage device such as a ROM. This can be achieved by: The registration information storage unit 172 can be realized by the auxiliary storage device 14.

  The sensor information acquisition unit 110 acquires various types of sensor information. The sensor information acquisition unit 110 includes a myoelectric potential information acquisition unit 111 (an example of a first acquisition unit) that acquires myoelectric potential information, and a vein information acquisition unit 112 (an example of a second acquisition unit) that acquires vein information. .

  Myoelectric potential information acquisition section 111 acquires myoelectric potential information from myoelectric potential sensor 61. Here, the myoelectric potential information is, for example, a time-series waveform of a surface myoelectric potential signal as shown in FIG.

  The vein information acquisition unit 112 acquires vein information from the vein sensor 62. Here, the vein information is, for example, a vein pattern.

  The authentication unit 120 performs authentication based on biometric information. The authentication unit 120 includes a first authentication unit 121 and a second authentication unit 122.

  The first authentication unit 121 performs user authentication by comparing the myoelectric potential information acquired by the myoelectric potential information acquiring unit 111 with the registered myoelectric potential information stored in the registered information storage unit 172. The myoelectric potential information to be compared with the registered myoelectric potential information is myoelectric potential information obtained in the predetermined period ΔT1. The predetermined period ΔT1 is arbitrary, but in the present embodiment, as an example, it is a part or all of a period in which a standby state described later is formed. The registered myoelectric potential information is information registered in advance by the user, and is generated based on the myoelectric potential information obtained when the user performs a predetermined operation with the hand while the user is wearing the user terminal device 10. May be.

  The second authentication unit 122 performs user authentication by comparing the vein information acquired by the vein information acquisition unit 112 with the master vein information stored in the registration information storage unit 172. The vein information to be compared with the master vein information is the vein information obtained in the predetermined period ΔT2. The predetermined period ΔT2 is arbitrary, but in the present embodiment, as an example, it is a part or all of the period in which a standby state described later is formed. The master vein information is information registered by the user in advance, and may be generated based on the vein information obtained when the user wears the user terminal device 10.

  Hereinafter, when distinguishing, the authentication process by the first authentication unit 121 is also referred to as “first authentication process”, and the authentication process by the second authentication unit 122 is also referred to as “second authentication process”. Also referred to as “authentication processing”.

  When the authentication by the authentication unit 120 is successful, the control unit 130, based on the correspondence information in the registration information storage unit 172 (see FIG. 5) and the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111, , A state in which short-range communication settlement is possible (hereinafter, referred to as a “payment possible state”) (an example of a first settlement possible state). For example, the control unit 130 may form a payment enabled state when the authentication by both the first authentication unit 121 and the second authentication unit 122 is successful.

  In the settlement enabled state, the control unit 130 enables short-range communication settlement by a settlement method according to the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111, from among a plurality of payment methods registered in advance.

  At this time, the control unit 130 determines a settlement method according to the myoelectric potential information acquired by the myoelectric potential information acquiring unit 111 based on the correspondence information in the registration information storage unit 172. The correspondence information is information representing a plurality of sets of correspondences between the change mode of the myoelectric potential and the settlement method. The change mode of the myoelectric potential is a change mode when the myoelectric potential changes, and specifically, is a time-series change pattern of the myoelectric potential.

  Here, the change mode of the myoelectric potential is different if the hand movement is different. For example, the manner in which the myoelectric potential changes in a case where the user moves his hand in the order of goo, choki, par while the user terminal 10 is worn is different from a case where the user moves the hand in the order of choki, par, goo. . Further, the manner of change of the myoelectric potential differs for each user even when the hand is moved in the same manner. For example, in the example shown in FIG. 4, the change mode 400 of the myoelectric potential is data of a certain user A, the change mode 401 of the myoelectric potential is data of another user B, and both data indicate the same hand movement. It is the data at the time of doing. The myoelectric potential change mode 403 is data of the same user A as the myoelectric potential change mode 400, but is data when the hand moves differently from the myoelectric potential change mode 400. In consideration of this point, in the present embodiment, both the user authentication and the selection of the settlement method are realized based on the change state of the myoelectric potential.

  In the example shown in FIG. 5, there are three types of settlement methods: a credit card CA, an electronic money MA, and a debit card DC, each of which has a change in myoelectric potential (raw data) and a change in myoelectric potential (converted value). Are associated with each other. The example shown in FIG. 5 is assumed to be the correspondence information relating to the user A. When the user terminal device 10 is used by a plurality of users, the correspondence information may be set for each user.

  The myoelectric potential change mode (raw data) is the myoelectric potential information itself acquired by the myoelectric potential information acquiring section 111, but may be processed data. The processed data may be, for example, data from which noise or the like has been removed or data from which feature points have been extracted.

  The change mode (converted value) of the myoelectric potential indicates a hand movement corresponding to the change mode (raw data) of the myoelectric potential. That is, the change mode (converted value) of the myoelectric potential is obtained by converting the change mode (raw data) of the myoelectric potential into information indicating hand movement. For example, the registration data A1 is data representing a change mode of the myoelectric potential when the user A performs a “thumb-up (a gesture of raising a thumb)”. When the registration data A1 is converted into information representing a hand movement, , "Thumb-up" As described above, the change mode (converted value) of the myoelectric potential represents the movement of the hand corresponding to the registered data, and is hereinafter referred to as a “type designation gesture”.

  The type designation gesture is made up of one or more combinations of basic hand movements (one by one hand movement such as goo, choki, par, and thumb up) (hereinafter, referred to as "basic gestures").

  In the example shown in FIG. 5, the credit card CA is associated with a type designation gesture related to a single basic gesture “thumb-up”, and the electronic money MA is associated with two basic gestures “choke” and “thumb-up”. A type designation gesture relating to a combination of gestures is associated with the debit card DC, and a type designation gesture relating to a combination of two basic gestures of “par” and “thumb up” is associated with the debit card DC. In a modification, a type designation gesture related to a combination of three or more basic gestures may be associated with a certain settlement method.

  In addition, in order to specify the type designation gesture from the change mode (raw data) of the myoelectric potential, the change mode (raw data) of the myoelectric potential when the user performs a basic hand movement (that is, a basic gesture) is useful. It is. Hereinafter, such a change mode (raw data) of the myoelectric potential when the user performs the basic gesture is referred to as “basic gesture data”. The basic gesture data may be registered by the user at the time of initial registration. In this case, the basic gesture data may be stored in the registration information storage unit 172. FIG. 6 shows an example of the basic gesture data. FIG. 6 shows registration data X1 to X4 corresponding to the four basic gestures “goo”, “choki”, “par”, and “thumb up”. Note that the number of basic gestures may be five or more, or three or less. Further, the basic gesture may include not only finger movements such as “goo”, “choki”, and “par” but also wrist movements.

  In the example illustrated in FIG. 5, the control unit 130 performs 3 based on the correlation between the myoelectric potential information acquired by the myoelectric potential information acquiring unit 111 and the change mode (raw data) of the myoelectric potential according to the correspondence information. One of the types of settlement methods is determined according to the myoelectric potential information. For example, when the myoelectric potential information acquired by the myoelectric potential information acquiring section 111 and the registration data A1 are correlated, the control section 130 forms a state in which settlement by the credit card CA is possible. Similarly, when the myoelectric potential information acquired by myoelectric potential information acquiring section 111 correlates with registration data A2, control section 130 forms a state in which electronic money MA can be settled. Similarly, when the myoelectric potential information acquired by myoelectric potential information acquiring section 111 correlates with registration data A3, control section 130 forms a state in which settlement is possible with debit card DC. Note that when there is no registration data correlated with the myoelectric potential information acquired by the myoelectric potential information acquiring section 111, the control section 130 does not form a state in which settlement with a credit card CA or the like is possible. Note that “correlation” between two data indicates a state in which the degree of correlation between the two data is equal to or greater than a predetermined threshold. The predetermined threshold may be adapted according to a test result or the like.

  Alternatively, based on the myoelectric potential information acquired by the myoelectric potential information acquiring section 111 and the registered basic gesture data, the control section 130 displays the hand represented by the myoelectric potential information acquired by the myoelectric potential information acquiring section 111. May be derived, and a type designation gesture corresponding to the derived hand movement may be specified. In this case, the control unit 130 determines a settlement method associated with the type designation gesture corresponding to the derived hand movement as a settlement method according to the myoelectric potential information.

  The controller 130 preferably shifts to the standby state when a standby shift operation (an example of a predetermined operation) of the user is detected based on the myoelectric potential information. The control unit 130 forms a settlement enabled state based on myoelectric potential information acquired in the standby state. That is, the settlement possible state is changed from the standby state. By providing the standby state, it is possible to reduce the possibility that the settlement possible state is unnecessarily formed due to an unintended hand movement by the user. In the state before the transition to the standby state (standby state), the control unit 130 monitors whether or not the user's standby transition operation is detected based on the myoelectric potential information.

  The standby transition operation is optional, and is, for example, to maintain the state of being goo by hand for 5 seconds. However, from the viewpoint of minimizing the possibility that the settlement possible state is unnecessarily formed due to the unintended hand movement by the user, the standby transition operation is not normally performed. It is desirable to be a movement. For example, the standby transition operation is a finger operation that can be realized only by using both hands, for example, an operation in which a specific finger is bent by 45 degrees or more.

  The payment execution unit 140 executes a payment process related to short-distance communication payment via the wireless transmission / reception unit 26 when the user terminal device 10 approaches the external terminal 90 in a payment enabled state. In the settlement enabled state, the settlement execution unit 140 implements the short-distance communication settlement by a settlement method according to the myoelectric potential information.

  The registration information output unit 150 displays, based on the correspondence information in the registration information storage unit 172, a change mode associated with one of the plurality of payment methods specified by the user as a hand movement. It is converted to information representing and output. The designation of one settlement method by the user can be realized, for example, via the input device 68. In the example illustrated in FIG. 5, when the user specifies “credit card CA”, the registration information output unit 150 converts the change mode (registration data A1) associated with the credit card CA into information representing hand movement. Convert and output. That is, the registration information output unit 150 outputs “thumb-up” which is a change mode (converted value) of the myoelectric potential according to the registration data A1. Thus, even if the user forgets the hand movement associated with “Credit card CA”, if “Credit card CA” is specified, the user can obtain “Credit card CA” based on the output of the registration information output unit 150. The movement of the hand associated with CA ”can be known.

  The notification unit 160 provides various notifications to the user via the output device 69. The notification unit 160 includes a first notification unit 161 and a second notification unit 162.

  The first notification unit 161 notifies the transition to the standby state by sound, display, vibration, light, or any combination thereof. As described above, the standby state is shifted when the standby shift operation is detected in the standby state. Accordingly, the user who has performed the standby transition operation can easily determine whether or not the standby transition operation has been detected by the user terminal device 10 based on the notification from the first notification unit 161. For example, when the notification is performed by sound or vibration, it is easy for a user who has a visual impairment to recognize the transition to the standby state. In addition, when the notification is performed by display, vibration, or light, it is easy for a user who has a hearing impairment to recognize the transition to the standby state.

  The first notification unit 161 preferably notifies the transition to the standby state in a notification mode according to the attribute of the user. The notification mode according to the attribute of the user may be selected in advance by the user or may be automatically set. For example, a user who has a visual impairment may be associated with a notification mode using sound or vibration.

  The second notification unit 162 notifies, by sound, display, vibration, light, or any combination thereof, a payment method of which a short-distance communication payment is enabled in a payment enabled state among a plurality of registered payment methods. I do. This makes it easier for the user to confirm whether or not the payment is to be performed by the intended payment method based on the notification from the first notification unit 161 before performing the payment. For example, a different notification sound is assigned to each of a plurality of settlement methods. In this case, the user can understand one specific settlement method according to the type of the notification sound. The same applies to display, vibration, light, and the like. Similarly, in the case of performing notification by sound or vibration, for example, even a user who is visually impaired can easily recognize a payment method that enables short-distance communication payment in a payment enabled state. In addition, when the notification is performed by display, vibration, or light, even a user who has a hearing impairment can easily recognize a payment method in which short-distance communication payment is possible in a payment enabled state.

  The second notification unit 162 preferably notifies the settlement method in which the short-range communication settlement is enabled, in a notification mode according to the attribute of the user. The notification mode according to the attribute of the user may be selected in advance by the user or may be automatically set. For example, a notification mode using light or vibration may be associated with a user who has a hearing impairment.

  The registration processing unit 170 performs a registration process for registering various information in the registration information storage unit 172. For example, the registration processing unit 170 performs registration processing of the above-described master vein information, correspondence information, basic gesture data, and the like. At this time, the registration processing unit 170 supports the registration work by the user while outputting the guidance via the output device 69. For example, when the basic gesture data is registered, the registration processing unit 170 outputs a guidance to the effect that “Please goo by hand”. Then, the registration processing unit 170 may acquire the data related to “goo” a plurality of times and, when detecting a certain characteristic (trend), notify “registration completed”.

  The registration of the correspondence information may be realized using a user terminal device (for example, a smartphone or a tablet terminal) other than the user terminal device 10 or another computer (for example, a personal computer). The user may first register, for example, a plurality of payment methods in the smartphone, and then transmit the registration information of the payment method from the smartphone and cause the wireless transmission / reception unit 26 of the user terminal device 10 to receive the information. The wireless communication at this time may be realized based on Bluetooth (registered trademark).

  Upon receiving the registration information of the settlement method, the registration processing unit 170 requests the user for the movement of the hand to be associated with each of the settlement methods, and registers the myoelectric potential information (change mode of the myoelectric potential) obtained at that time. I do. At this time, the registration processing unit 170 may acquire the myoelectric potential information a plurality of times for each settlement method, and may notify "registration completed" when a certain characteristic (trend) is detected.

  The registration information storage unit 172 stores (registers) the above-described correspondence information (FIG. 5), basic gesture data (FIG. 6), and the like. Note that the correspondence information, basic gesture data, and the like may be registered for each user as described above.

  Next, a method of using the user terminal device 10 (finger pay function) will be outlined with reference to FIG.

  FIG. 7 is an explanatory diagram of a method of using the user terminal device 10, in which three scenes 701, 702, and 703 are shown. Here, it is assumed that the correspondence information shown in FIG. 5 is registered as an example. Here, it is assumed that the user is a legitimate user and authentication by the authentication unit 120 is successful.

  In the scene 701, a user who wears the user terminal device 10 on his / her wrist (only his hand is shown) wants to pay with a credit card CA when performing payment for shopping at a certain store. In this case, the user performs the type transition gesture corresponding to the credit card CA (see S1) after performing the standby transition operation to transition to the standby state (see S0). Note that, when shifting to the standby state, the second authentication unit 122 may execute a second authentication process (authentication process using vein information). However, in the modified example, the execution timing of the second authentication process by the second authentication unit 122 may be after a type designation gesture described later is detected or before the transition to the standby state.

  In the scene 701, since the user wants to pay by the credit card CA, the type designation gesture to be performed by the user is a type designation gesture corresponding to the credit card CA. Specifically, as shown in the drawing, "Thumb up". When the user has forgotten the type designation gesture corresponding to the credit card CA, the user inquires the user terminal device 10 by voice, for example, "Tell me the type designation gesture for calling the credit card CA" (that is, the credit card) CA). In this case, as described above, the registration information output unit 150 outputs an image representing “thumb-up” on the output device 69 in the form of a display device, for example. This output method may be realized by another method such as voice.

  In the scene 701, when the user performs a type designation gesture corresponding to the credit card CA, the authentication by the first authentication unit 121 succeeds, and the user terminal device 10 forms a state in which settlement by the credit card CA is possible (S2). reference). At this time, the second notification unit 162 may output the image G1 representing the credit card CA on the output device 69 in the form of a display device (see S2). In addition, the second notification unit 162 may transmit the information of “credit card CA” to the user by voice or the like. For example, the user visually confirms the image G1 and then holds the user terminal device 10 over the external terminal 90 (see S3), thereby realizing the settlement using the credit card CA. However, the user may hold the user terminal device 10 over the external terminal 90 while performing the type designation gesture. In this case, the settlement by the credit card CA is realized almost at the same time when the settlement possible state by the credit card CA is formed.

  In the scene 702, a user who wears the user terminal device 10 on his / her wrist (only his hand is shown) desires to pay with the electronic money MA when performing payment for shopping at a certain store. In this case, after performing the standby transition operation to transition to the standby state (see S10), the user performs a type designation gesture corresponding to the electronic money MA (see S11). In this case, the type designation gesture corresponding to the electronic money MA is a combination of “choking” and “thumb-up” as illustrated. If the user forgets the type designation gesture corresponding to the electronic money MA, the user inquires the user terminal device 10 by voice, for example, "Tell me the type designation gesture for calling the electronic money MA" (that is, the electronic money MA). MA). In this case, as described above, the registration information output unit 150 outputs an image representing a combination of “choking” and “thumb-up” on the output device 69 in the form of a display device, for example. This output method may be realized by another method such as voice.

  In the scene 702, when the user performs a type designation gesture corresponding to the electronic money MA, the authentication by the first authentication unit 121 succeeds, and the user terminal device 10 forms a state in which settlement by the electronic money MA is possible (S12). reference). At this time, the second notification unit 162 may output the image G2 representing the electronic money MA on the output device 69 in the form of a display device (see S12). In addition, the second notification unit 162 may transmit the information of “electronic money MA” to the user by voice or the like. The user, for example, visually confirms the image G2 and then holds the user terminal device 10 over the external terminal 90 (see S13), thereby realizing the settlement with the electronic money MA.

  The same applies to the scene 703, in which a user who wears the user terminal device 10 on his wrist (only his hand is shown) wants to pay with a debit card DC when making a purchase settlement at a certain store. In this case, the user performs a standby transition operation to transition to the standby state (see S20), and then performs a type designation gesture corresponding to the debit card DC (see S21). In this case, the type designation gesture corresponding to the debit card DC is a combination of “par” and “thumb up” as shown in the figure. When the type designation gesture corresponding to the debit card DC is performed, the authentication by the first authentication unit 121 succeeds, and the user terminal device 10 forms a state in which settlement by the debit card DC is possible (see S22). Thereafter, the user visually confirms the image G3 related to the “debit card DC”, for example, and then holds the user terminal device 10 over the external terminal 90 (see S23), thereby realizing the settlement using the debit card DC.

  In this manner, according to the present embodiment, the user can realize the settlement by the desired settlement method by the movement of the hand (here, the movement of the finger). Therefore, according to the present embodiment, instead of performing the operation of selecting a desired payment method by swiping or the like and inputting authentication information such as a fingerprint, the user merely performs a type designation gesture after the standby transition operation, Since the settlement by the desired settlement method can be realized, the convenience is improved. Further, in the present embodiment, as described above, the authentication processing by the authentication unit 120 is automatically performed during or before or after a series of hand movements. Such a special operation for inputting biological information is not required, and convenience is improved.

  Note that the type designation gesture is executed in an environment that can be seen by others, and thus may be known to others, but this point does not pose a major problem. This is because even if the type designation gesture is known to another person, even if the movement of the hand is the same as described above, since the EMG information is different for each person, it is unlikely that a settlement possible state is formed by another person. .

  Further, according to the present embodiment, since the authentication process is executed using the myoelectric potential information and the vein information, security can be enhanced. In particular, when both the myoelectric potential information and the vein information are used, two different biometric information are used, so that the security can be further enhanced.

  In this manner, according to the present embodiment, it is possible to improve convenience and security while enabling a plurality of settlement methods to be selectively used.

  Further, according to the present embodiment, since the authentication process is performed using the myoelectric potential information obtained when the user performs the type designation gesture, a gesture for the authentication process other than the type designation gesture is separately performed for the user. As compared with the case where the user performs the operation, the work to be performed by the user is reduced, and the convenience is improved.

  Next, an operation example of the user terminal device 10 will be described with reference to the flowcharts of FIGS. In the following processing flow diagrams (flow charts), the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired.

  FIG. 8 is a flowchart illustrating an example of a process executed by the processing device 100 of the user terminal device 10 in the standby state.

  In step S800, the processing device 100 acquires the surface myoelectric potential signal in the current cycle.

  In step S802, the processing device 100 stores the value of the surface EMG signal acquired in step S800 in a predetermined storage area. The predetermined storage area is set in the auxiliary storage device 14, for example. The surface myoelectric potential signal may store a predetermined time T1 (not shown) in, for example, a FIFO (First In, First Out) format.

  In step S804, the processing device 100 determines whether or not the user has performed the standby transition operation based on the time series of the surface EMG signals stored in the predetermined storage area (that is, EMG information). If the determination is "YES", the flow proceeds to step S806; otherwise, the processing from step S800 is repeated.

  In step S806, the processing device 100 shifts from the standby state to the standby state.

  In step S808, the processing device 100 resets the time series of the surface myoelectric potential signal in the predetermined storage area, and ends the standby state.

  FIG. 9 is a flowchart illustrating an example of a process executed by the processing device 100 of the user terminal device 10 in the standby state.

  In step S820, the processing device 100 acquires the vein information.

  In step S822, the processing device 100 executes the second authentication process based on the vein information acquired in step S820. As a result of the second authentication processing, if the authentication is successful (“YES” in step S824), the process proceeds to step S828; otherwise (“NO” in step S824), the process proceeds to step S826.

  In step S826, the processing device 100 determines whether the number of retries has reached the upper limit. Note that the upper limit may be any number equal to or greater than one. If the determination is "YES", the flow proceeds to step S846; otherwise, the processing from step S820 is repeated for retrying the second authentication processing.

  In step S828, the processing device 100 starts a timer that times out at the predetermined time T2. The predetermined time T2 corresponds to the upper limit of the input waiting time of the type designation gesture, and is set as appropriate.

  In step S830, the processing device 100 acquires the surface myoelectric potential signal in the current cycle.

  In step S832, the processing device 100 stores the value of the surface EMG signal acquired in step S830 in a predetermined storage area.

  In step S834, the processing device 100 detects the time series of the surface myoelectric potential signal stored in the predetermined storage area (that is, the myoelectric potential information) and the myoelectric potential related to the correspondence information in order to detect the type designation gesture. Evaluate the correlation between changes. As a result of the evaluation of the correlation, if there is a change in the myoelectric potential that is correlated with the myoelectric potential information among the various changes in the myoelectric potential related to the correspondence information, that is, if a type designation gesture is detected (step If “YES” in S836), the process proceeds to step S838; otherwise (“NO” in step S836), the process proceeds to step S842.

  In step S838, the processing device 100 executes a first authentication process based on the myoelectric potential information in the predetermined storage area. Note that the processing of step S840 may be realized by the processing of step S834. That is, the criterion for determining whether or not there is a correlation (a predetermined threshold value for the degree of correlation) may be strict, so that the correlation may mean that the first authentication process has succeeded. As a result of the first authentication process, if the authentication is successful (“YES” in step S840), the process proceeds to step S844; otherwise (“NO” in step S840), the process proceeds to step S842.

  In step S842, the processing device 100 determines whether the timer has timed out. If the determination is "YES", the flow proceeds to step S846; otherwise, the processing from step S830 is repeated.

  In step S844, the processing device 100 forms a payment enabled state by a payment method corresponding to the type designation gesture detected in step S834. That is, the processing device 100 shifts from the standby state to a state in which a payment method according to the type designation gesture detected in step S834 can be settled.

  In step S846, the processing device 100 shifts from the standby state to the standby state.

  FIG. 10 is a flowchart illustrating an example of a process executed by the processing device 100 of the user terminal device 10 in a payment enabled state (a payment enabled state according to the type designation gesture detected in step S834).

  In step S860, processing device 100 determines whether communication with external terminal 90 has been established. If the determination is "YES", the flow proceeds to step S864; otherwise, the flow proceeds to step S862.

  In step S862, processing device 100 determines whether a predetermined end condition has been satisfied. The predetermined termination condition may be satisfied, for example, when the settlement enabled state has continued for a predetermined time T3 or more. The predetermined time T3 corresponds to an appropriate duration of the settlement enabled state. If the determination is "YES", the flow proceeds to step S866; otherwise, the processing from step S860 is repeated.

  In step S864, the processing device 100 executes a payment process related to short-range communication payment via the wireless transmission / reception unit 26. That is, the processing device 100 realizes the settlement by the settlement method according to the type designation gesture detected in step S834. When the payment method is a credit card payment, the payment information is transmitted from the external terminal 90 to a payment server (not shown) managed by the corresponding credit card company, and the payment server performs the payment. Complete. When the payment method is payment by electronic money, the payment is completed in the external terminal 90. In the case of electronic money of a type in which a balance or the like is managed by a settlement server (not shown), settlement information is transmitted from the external terminal 90 to the settlement server, and settlement is completed in the settlement server. When the payment method is payment by a debit card, payment information is transmitted from the external terminal 90 to a payment server (not shown) managed by the corresponding financial institution, and the payment server completes the payment.

  In step S866, the processing device 100 shifts from the settlement possible state to the standby state.

  According to the processing illustrated in FIGS. 8 to 10, the transition to the standby state is performed only when the predetermined operation is detected in the standby state. It is possible to reduce the possibility that the settlement possible state is formed when the user does not intend. In addition, since a payment possible state is formed by a payment method according to the type designation gesture, a payment possible state by a payment method that meets the user's intention can be formed among a plurality of payment methods.

  Although the first authentication processing is performed in the standby state in the processing illustrated in FIGS. 8 to 10, the first authentication processing may be performed in the standby state instead or in addition thereto. In this case, for example, the first authentication processing may be executed based on myoelectric potential information related to the standby shift operation. In this case, if the authentication by the first authentication processing does not succeed, the state may not be shifted to the standby state.

  Further, in the processing shown in FIGS. 8 to 10, the second authentication processing is executed in the standby state, but may be executed in the standby state instead or in addition to this. In this case, if the authentication by the second authentication process does not succeed, the state may not be shifted to the standby state.

  Next, various modifications to the above-described embodiment will be described with reference to FIGS.

<Modification 1>
The first modification is different from the above-described embodiment in that a payment possible state is formed by further using acceleration information. In this modification, components that may be the same as those in the above-described embodiments are given the same reference numerals, and description thereof may be omitted.

  FIG. 11 is a functional block diagram illustrating an example of a functional configuration of a processing device 100A for implementing a finger pay function according to the present modification. FIG. 12 is an explanatory diagram of the correspondence information according to the present modification.

  The processing apparatus 100A according to the present modification differs from the processing apparatus 100 according to the above-described embodiment in that the sensor information acquisition unit 110 is replaced by a sensor information acquisition unit 110A, and the control unit 130 is replaced by a control unit 130A, as shown in FIG. And the registration information storage unit 172 is replaced by the registration information storage unit 172A.

  The sensor information acquisition unit 110A is different from the sensor information acquisition unit 110 according to the above-described embodiment in that the sensor information acquisition unit 110A further includes an acceleration information acquisition unit 113 (an example of a third acquisition unit) that acquires acceleration information (an example of motion information).

  The acceleration information acquisition unit 113 acquires acceleration information from the acceleration sensor 63. Here, the acceleration information is, for example, a time-series waveform of the acceleration signal.

  When the authentication by the authentication unit 120 is successful, the control unit 130A transmits the correspondence information in the registration information storage unit 172A (see FIG. 12), the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111, and the acceleration information. Based on the acceleration information obtained by the obtaining unit 113, a state in which short-distance communication payment is possible (payable state) (an example of a first payment available state) is formed.

  At this time, the control unit 130A sets the settlement method according to the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 and the acceleration information acquired by the acceleration information acquisition unit 113, as the correspondence information in the registration information storage unit 172A. Based on the decision. The correspondence information is information indicating a plurality of sets of correspondence between the change mode of the myoelectric potential and the change mode of the acceleration and the settlement method. The change mode of the acceleration is a change mode when the acceleration changes, and specifically, is a time-series change pattern of the acceleration.

  In the example shown in FIG. 12, there are three types of settlement methods: a credit card CA, an electronic money MA, and a debit card DC, each of which has a change in myoelectric potential (raw data) and a change in myoelectric potential (converted value). And an acceleration change mode are associated with each other. That is, in the present modification, the change mode of the myoelectric potential is associated with the settlement method by a combination with the acceleration of the user terminal device 10 (that is, the acceleration of the mounted part of the user terminal device 10).

  In the example illustrated in FIG. 12, the control unit 130 </ b> A determines the correlation between the myoelectric potential information acquired by the myoelectric potential information acquiring unit 111 and the change mode (raw data) of the myoelectric potential according to the correspondence information, and the acceleration information. Based on the correlation between the acceleration information acquired by the acquisition unit 113 and the change mode of the acceleration according to the correspondence information, one of the three types of settlement methods is a settlement method corresponding to the myoelectric potential information and the acceleration information. To determine. For example, when the myoelectric potential information correlated with the registration data A1 and the acceleration information correlated with the registration data B1 are obtained, a state in which the credit card CA can be settled is formed.

  Here, unlike the myoelectric potential information, the acceleration information is not information suitable for authentication, but is information that differs according to the movement of the hand, like the myoelectric potential information. According to the present modified example, diversification of the settlement method can be further dealt with by associating the combination of the acceleration information and the myoelectric potential information with the settlement method.

  In the present modification, the acceleration information from the acceleration sensor is used. However, instead of or in addition to the acceleration sensor, angular velocity information (another example of the motion information) from the gyro sensor may be used.

<Modification 2>
The second modification is different from the above-described embodiment in that a position where payment is possible is formed by further using position information. In this modification, components that may be the same as those in the above-described embodiments are given the same reference numerals, and description thereof may be omitted.

  FIG. 13 is a functional block diagram illustrating an example of a functional configuration of a processing device 100B for implementing a finger pay function according to the present modification. FIG. 14 is an explanatory diagram of recommended settlement method information.

  The processing device 100B according to the present modification differs from the processing device 100 according to the above-described embodiment in that the sensor information obtaining unit 110 is replaced with a sensor information obtaining unit 110B as illustrated in FIG. 2 mainly in that a registration processing unit 170B is added and the registration information storage unit 172 is replaced with a registration information storage unit 172B.

  The sensor information acquisition unit 110B is different from the sensor information acquisition unit 110 according to the above-described embodiment in further including a position information acquisition unit 114 (an example of a fourth acquisition unit) that acquires position information.

  The position information acquisition unit 114 acquires position information from the GPS receiver 64. The information source of the position information is not limited to the position information from the GPS receiver 64. A base station of a mobile phone or a method of acquiring position information using Wi-Fi may be used.

  The second control unit 130B functions when the control unit 130 does not function. That is, one of the second control unit 130B and the control unit 130 functions. In the present modified example, as an example, the control unit 130 functions in the normal mode, and the control unit 130B functions in the automatic mode. Switching between the normal mode and the automatic mode may be realized by an instruction from the user (for example, an instruction via the input device 68).

  When the authentication by the authentication unit 120 is successful, the second control unit 130B is based on the recommended settlement method information in the registration information storage unit 172B (see FIG. 14) and the position information acquired by the position information acquisition unit 114. Thus, a settlement possible state (an example of a second settlement possible state) is formed.

  In the recommended settlement method information, as shown in FIG. 14, the position range is associated with the settlement method. Specifically, a plurality of position ranges C1, C2,... Are associated with the settlement method “credit card CB”. The position range C1 may be defined, for example, by a range of a predetermined radius centered on coordinates (latitude, longitude). Similarly, the settlement method “electronic money MA” is associated with a plurality of position ranges D1, D2,..., And the settlement method “debit card DC” is associated with a plurality of position ranges E1, E2,. Are associated with each other.

  In the example illustrated in FIG. 14, when the position information is within the position range C1, the second control unit 130B forms a state in which settlement by the credit card CB is possible. Similarly, when the position information is within the position range D1, the second control unit 130B forms a state in which settlement by the electronic money MA is possible.

  The second registration processing unit 170B stores (registers) the recommended settlement method information in the registration information storage unit 172B. The second registration processing unit 170B may generate recommended settlement method information in accordance with, for example, an instruction from a user, and then store the recommended settlement method information. Alternatively, the second registration processing unit 170B may automatically generate the recommended payment method information by learning or the like, and then store the recommended payment method information. In this case, the recommended settlement method information in the registration information storage unit 172B may be updated by ex-post learning. Specifically, the second registration processing unit 170B, based on the selection history of the user's payment method in the normal mode, adjusts the recommended payment method in the registration information storage unit 172B so as to match the past selection history of the payment method. The information may be updated. For example, when the use frequency of the credit card CA in the position range F1 is high, the second registration processing unit 170B stores (updates) the recommended settlement method information in which the position range F1 is associated with the credit card CA.

  In addition, the second registration processing unit 170B may automatically generate the recommended payment method information and then store the recommended payment method information from the viewpoint of easy attachment. For example, it is assumed that a credit card CA is more advantageous at a certain affiliated store than using the electronic money MA. In this case, the second registration processing unit 170B may store (update) the recommended settlement method information in which the position range where the affiliated store exists is associated with the credit card CA.

  In this modification, the settlement method is associated with the position range, but is not limited to this. For example, a point card may be associated with a position range. A point card is a card to which a predetermined point is given by being presented at a store or the like, or read magnetically or optically. Points are also diversified, as is the settlement method, and there are various types of points. For example, a certain point is given at the store of the series P1, but another point is given at the store of the series P2. Therefore, points to be given (point cards to be presented) may be associated with the position range. In this case, the second control unit 130B determines a point card according to the position range, and forms a state in which the determined point card can be presented. It should be noted that the awarding of points related to the point card may be enabled by short-range communication between the user terminal device 10 and the external terminal 90 via the wireless transmission / reception unit 26, similarly to credit cards and electronic money. .

  This modification can be combined with the first modification. That is, in the first modification, the second control unit 130B and the like may be provided.

<Modification 3>
Modification 3 is different from the above-described embodiment in that the server executes a part of the processing related to the finger pay function.

  FIG. 15 is a diagram schematically illustrating a relationship between the server 200 and the user terminal device 10. FIG. 16 is a timing chart illustrating an example of information exchange between the server 200 and the user terminal device 10.

  The server 200 is formed by, for example, a server computer. The server 200 may be realized by a plurality of types of server computers. For example, the server 200 may include a settlement server associated with various settlement methods (see Modification 4 described later).

  The server 200 and the user terminal device 10 can communicate bidirectionally via the network 4. The network 4 may include the Internet, a WAN (Wide Area Network), a wireless communication network, a wired network, or any combination thereof.

  In the present modification, a part of the functions of the processing device 100 shown in FIG. The function realized by the server 200 is an arbitrary part of the function of the processing device 100, and may be, for example, a part of the function of the control unit 130.

  For example, as shown in FIG. 16, in the user terminal device 10, the sensor information acquisition unit 110 acquires various sensor information (myoelectric potential information, vein information, and the like) (Step S <b> 161), and transmits the various sensor information to the server 200. (Step S162). The server 200 holds master vein information, correspondence information, basic gesture data, and the like. Upon receiving various types of sensor information (step S163), the server 200 performs authentication processing (step S164), and based on the correspondence information. Then, the settlement method according to the received myoelectric potential information is specified (step S165). An instruction is transmitted to the user terminal device 10 so as to form a payment enabled state by the specified payment method (step S166). Upon receiving the command (step S167), the user terminal device 10 forms a payment enabled state according to the payment method according to the command (step S168). When communication with the external terminal 90 is established, the user terminal device 10 performs a payment process related to short-range communication payment. Execute (step S169).

  According to the example shown in FIG. 16, the authentication processing and the processing for specifying the settlement method according to the myoelectric potential information are executed on the server 200 side, so that the processing load on the user terminal device 10 can be reduced.

<Modification 4>
Modification 4 is different from the above-described embodiment in that the user terminal device 10 transmits the payment information to the server. Specifically, in the above-described embodiment, when completing the payment, the payment information is transmitted from the external terminal 90 to the payment server (not shown) as necessary.

  On the other hand, in the fourth modification, the settlement information is transmitted from the user terminal device 10 communicating with the external terminal 90 to the settlement server (not shown) as necessary. Specifically, when the user holds the hand over the external terminal 90, the user terminal device 10 acquires the payment amount from the external terminal 90 through communication with the external terminal 90. When the user terminal device 10 acquires the payment amount from the external terminal 90, the user terminal device 10 transmits the payment information including the payment amount and the information on the payment method corresponding to the myoelectric potential information to the corresponding payment server (corresponding to the myoelectric potential information). (A settlement server associated with the settlement method). For example, when the payment method is a credit card payment, the payment information is transmitted from the user terminal device 10 to a payment server (not shown) managed by a corresponding credit card company, and the payment server performs the payment. Is completed. In the case where the settlement method is settlement by electronic money, and in the case of electronic money of a type in which a balance or the like is managed by a settlement server (not shown), the settlement information is stored in the user terminal device 10 in the settlement server. And the payment is completed in the payment server. When the settlement method is settlement by a debit card, settlement information is transmitted from the user terminal device 10 to a settlement server (not shown) managed by the corresponding financial institution, and the settlement server completes the settlement.

  As described above, the embodiments have been described in detail. However, the present invention is not limited to the specific embodiments, and various modifications and changes can be made within the scope described in the claims. It is also possible to combine all or a plurality of the components of the embodiment described above.

  For example, in the above-described embodiment, as a preferable example, the processing device 100 includes the registration information output unit 150 and the notification unit 160, but at least one of the registration information output unit 150 and the notification unit 160 may be omitted. .

  Further, in the above-described embodiment, as a preferable example, in the correspondence information, the change mode of the myoelectric potential (raw data) and the change mode of the myoelectric potential (converted value) are associated with the settlement method. Not limited. For example, one of the myoelectric potential change mode (raw data) and the myoelectric potential change mode (converted value) may be omitted. This is because the change mode (raw data) of the myoelectric potential and the change mode (converted value) of the myoelectric potential can be derived from one to the other via the basic gesture data. In addition, when the registration information output unit 150 is omitted as described above, the basic gesture data is unnecessary, and the correspondence information may be associated with the change mode (raw data) of the myoelectric potential in the settlement method. .

  Further, in the above-described embodiment, the settlement method in which the settlement is possible is selected according to the myoelectric potential information, but the present invention is not limited to this. For example, a point card that can be presented may be selected according to myoelectric potential information.

  Further, in the above-described embodiment, the myoelectric potential information is used for selecting a payment method that is set to be in a payment-enabled state, but may be used for an operation instruction. For example, regarding the opening / closing operation on a door that can be opened / closed, the user terminal device 10 sends a command to open the door when detecting the myoelectric potential information associated with the opening of the door. (Not shown).

  Further, in the above-described embodiment, when the standby shift operation is a finger operation that can be realized for the first time using both hands, the user may notify the processing device 100 of the fact in advance. Such a notification may be a special input, for example, a finger movement that can be realized only by using both hands. In this case, even if the user is forced to force another person's hand shape (the hand shape related to the standby shift operation), it is difficult to shift to the standby state, which is effective in crime prevention.

  Further, in the above-described embodiment, there is only one type of standby state, but two types of standby states may be formed. In this case, a feasible settlement method may be different for each standby state. For example, in the first standby state, a payment method for low-cost payment may be associated, and in the second standby state, a payment method for high-value payment may be associated. In this case, the standby shift operation also differs for each standby state to be shifted.

  Further, in the above-described embodiment, the myoelectric potential information of the hand is used, but instead or in addition, the myoelectric potential information of the foot or another part may be used. For example, even in the case of a foot, myoelectric potential changes only by putting weight on one foot, leaning back and forth, right and left, and shifting the weight. When the terminal is attached to the foot, the external terminal 90 may be placed on the foot. Further, the security may be further enhanced by associating a combination of the myoelectric potential information of the hand and the myoelectric potential information of the foot with the settlement method.

  Further, in the above-described embodiment, the hand on which the user terminal device 10 is worn may be the dominant hand of the user, or may be the hand that is not the dominant hand. In addition, the user can selectively use the case where the user terminal device 10 is mounted on the dominant hand and the case where the user terminal device 10 is mounted on the non-dominant hand. This is because the dominant hand and the non-dominant hand tend to have different changes in the myoelectric potential even with the same hand movement. For example, the user may use the user terminal device 10 for low price settlement when the user terminal device 10 is attached to the dominant hand, and may use the user terminal device 10 for high price settlement when attaching the user terminal device 10 to the non-dominant hand, or vice versa. Good.

4 Network 10 User terminal device 14 Auxiliary storage device 15 Drive device 16 Recording medium 17 Communication interface 19 Bus 25 Wired transmission / reception unit 26 Wireless transmission / reception unit 60 Electronic device 61 Myoelectric potential sensor 62 Vein sensor 63 Acceleration sensor 64 GPS receiver 68 Input device 69 Output device 90 External terminals 100, 100A, 100B Processing devices 110, 110A, 110B Sensor information acquisition unit 111 Myoelectric potential information acquisition unit 112 Vein information acquisition unit 113 Acceleration information acquisition unit 114 Position information acquisition unit 120 Authentication unit 121 First authentication unit 122 second authentication unit 130, 130A control unit 130B second control unit 140 payment execution unit 150 registration information output unit 160 notification unit 161 first notification unit 162 second notification unit 170 registration processing unit 170B second registration processing unit 172, 172A , 172B Registration Multi-address storage unit 200 server

Claims (12)

A user terminal device that can be worn on a user's wrist,
A first acquisition unit that acquires myoelectric potential information from a worn part,
An authentication unit that performs authentication based on biometric information;
A communication unit capable of communicating with an external terminal;
When the authentication by the authentication unit is successful, the settlement by communication with the external terminal is performed based on the correspondence information indicating a plurality of sets of correspondences between the change mode of the myoelectric potential and the settlement method, and the myoelectric potential information. And a control unit for forming a first settlement enabled state that is enabled.
The user terminal device, wherein the control unit enables the settlement by the settlement method associated with the change mode in which the myoelectric potential information is correlated among the plurality of settlement methods in the first settlement possible state.   The user terminal device according to claim 1, wherein the biological information includes the myoelectric potential information. A second acquisition unit that acquires vein information from the attached site;
The user terminal device according to claim 1, wherein the biological information includes the vein information. A third acquisition unit configured to acquire motion information indicating a motion of the mounted part;
The correspondence relationship includes a correspondence relationship between the change mode combined with the movement of the mounted part and the settlement method,
The control unit further forms the first payment enabled state based on the movement information,
In the first payment enabled state, the control unit is the change mode in which the myoelectric potential information is correlated among a plurality of the payment methods, and the change combined with the motion in which the motion information is correlated. The user terminal device according to any one of claims 1 to 3, wherein the user terminal device enables payment by a payment method associated with the aspect. The apparatus further includes a fourth acquisition unit that acquires position information indicating a position of the user terminal device,
The control unit further forms a second settlement possible state in which settlement by communication with the external terminal is enabled based on the position information when the authentication by the authentication unit is successful,
5. The control unit according to claim 1, wherein in the second payment possible state, the control unit enables payment by a payment method according to a position of a user among the plurality of payment methods. 6. User terminal device according to claim 1.   An output unit configured to convert the change mode associated with one payment method designated by a user among the plurality of payment methods based on the correspondence information into information representing hand movement and output the converted information; The user terminal device according to any one of claims 1 to 5, further comprising:   The control unit, when a predetermined operation of the user is detected based on the myoelectric potential information, shifts to a standby state, and based on the myoelectric potential information acquired in the standby state, the first payment enabled state The user terminal device according to claim 1, wherein the user terminal device forms:   The user terminal device according to claim 7, wherein the predetermined operation is a finger operation that can be realized using both hands.   The user terminal device according to claim 7, further comprising a first notification unit that notifies the transition to the standby state in a notification mode according to a user attribute.   The method according to any one of claims 1 to 9, further comprising: a second notification unit that notifies the payment method in which payment is enabled among the plurality of payment methods in a notification mode according to a user attribute. A user terminal device according to the section.   The user terminal device according to claim 9, wherein the notification mode includes sound, display, vibration, light, or a combination thereof.   The user terminal device according to claim 1, further comprising a storage unit that stores the correspondence information.