JP3881685B2 - Mobile phone and information processing method - Google Patents

Description

The present invention relates to a mobile phone and an information processing method used in an information processing system that collects goods, services, and the like and their prices, for example.

2. Description of the Related Art In recent years, there has been a remarkable spread of equipment that collects goods and services, such as vending machines and POS (Point of Sales) registers, and the like.
However, a problem common to these devices is the complexity of cash processing. In other words, since a merchant that provides goods or services via these devices performs cash processing, it requires daily management for change preparation, cash adjustment, crime prevention, and the costs associated therewith. In addition, for manufacturers who manufacture these devices, there is a manufacturing cost load for installing the cash processing mechanism in the device, which increases the price of the device. The price of goods or services is reflected in the equipment costs of the service provider, and the consumer's burden is eventually increased.

  Therefore, in order to solve such problems related to cash processing, the following two methods are now being popularized. In other words, the payment by the consumer can be made from a cash prepayment method using a prepaid card, a credit card, a bank card, etc., and the payment is made from a bank account etc. via an online line connected to the device. This is an automatic withdrawal method.

The above two methods have achieved their original purpose because they do not require cash processing on the equipment side, but it has recently become clear that there are significant problems in disseminating these methods. I came.
First, with regard to cash prepayment scheme, skilled storing prepaid money is skilled to provide an article or service, etc. vary (hereinafter, sometimes referred to as the seller), a prepaid card which they are not available to each other In order to issue, there is a problem that the consumer has to purchase a plurality of prepaid cards for each seller in advance.
Further, there is a problem that a prepaid card of a merchant that is less used by consumers has no merit to purchase, and therefore goods or services are purchased with cash.
Thus, prepaid cards tend to be distributed, and there is a problem that various capital investments are difficult to concentrate.

  In addition, with regard to the automatic withdrawal method from bank accounts, etc., the cash advance payment method described above is also possible because it can be expanded laterally by an online settlement system between financial institutions using cards based on globally standardized standards. In this case, the problem has been solved, but there are some problems that become obstacles when trying to spread it further.

That is, as the first problem, an online line is required for each device, and considering the number of devices such as vending machines and POS registers that exist in the world, astronomical capital investment is required. It is a point to do.
Furthermore, the second problem is that the online line connected to each of these devices can only be used for the purpose of collecting money, and the investment efficiency is extremely low for the seller who carries out capital investment. is there.
Considering such huge capital investment and poor investment efficiency, it is impossible from an economic viewpoint to widely spread automatic withdrawal methods from bank accounts and the like.

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a mobile phone and an information processing method used in an information processing system that solves the problems related to capital investment and collects goods or services that can be widely used and their prices. And

The mobile phone according to the present invention is a wireless communication between a providing device that provides goods or services, a mobile phone each possessed by a user, and a transaction organization that performs payment for the goods or services. Account information is read from an information recording medium that is used in an information processing system that performs predetermined information processing for receiving payment of goods or services and receiving account for the user's account. When receiving price information for notifying the price of goods or services transmitted from the reading means and the providing device, the price information is recorded on the information recording medium as unsettled information whose payment has not been completed. And the price information for notifying the price of goods or services transmitted from the providing device. A first transmission unit for transmitting settlement information for requesting a settlement process for the price based on the price information to a trading institution of the account information based on the account information read by the reading unit; and the first transmission unit When the transaction completion information of the settlement process is transmitted from the transaction in response to the transmission of the change information, the change recording means for changing and recording the unsettled information recorded in the information recording medium to the transaction completion information, the recording means, Display means for displaying unsettled information recorded in the information recording medium by the change recording means and transaction completion information of the settlement processing as history information .
In addition, the mobile phone of the present invention is wirelessly communicated between a providing device that provides goods or services, a mobile phone each possessed by a user, and a transaction organization that performs payment for the goods or services. Account information from an information recording medium that is used in an information processing system for performing predetermined information processing for receiving goods or services and paying for the goods or services, and for recording account information relating to user accounts When the price information for notifying the price of goods or services transmitted from the providing device is received, the price information is recorded as unsettled information on which payment has not been completed on the information recording medium. Receiving the price information for notifying the price of goods or services transmitted from the providing device A first transmission means for transmitting settlement information for requesting a settlement process for the price based on the price information to a trading institution of the account information based on the account information read by the reading means; A change recording means for changing and recording unsettled information recorded in the information recording medium into transaction completion information when transaction completion information of payment processing is transmitted from the trading in response to transmission of the transmission means; Account information read by the reading means based on the unsettled information recorded on the information recording medium when the transaction completion information of the settlement processing has not been transmitted from the trading in response to the transmission of one transmitting means Operating means for performing an operation input to re-send payment information requesting payment processing for the transaction institution, and transmitting the unsettled information to the transaction institution based on the operation input of the operation means. And and a second transmission means.
In addition, the information processing method of the present invention is a wireless communication between a providing device that provides an article or service, a mobile phone each owned by the user, and a transaction organization that performs payment for the article or service. Is an information processing method for performing predetermined information processing for receiving goods or services and paying for the goods or services, in which account information relating to a user account is recorded in the mobile phone A reading step of reading account information from an information recording medium; a first transmission step of transmitting price information for notifying a price of an article or service to the mobile phone in the providing device; and A first receiving step of receiving the price information transmitted by the transmitting step, and the mobile phone In the mobile phone, a recording step of recording the price information as unsettled information in which payment of the price has not been completed on the information recording medium when the price information is received in the first receiving step, When the price information is received in the first receiving step, the settlement information requesting the settlement processing of the price based on the price information is transmitted to the transaction institution of the account information based on the account information read in the reading step. 2 and the unsettled information recorded in the information recording medium when the transaction completion information of the settlement process is transmitted from the trading in response to the transmission of the second transmission step in the mobile phone. A change recording step of changing and recording the transaction completion information, and in the mobile phone, in the recording step and the change recording step And comprising a display step of displaying the unsettled information recorded in serial information recording medium and the transaction completion information of the payment process as history information.
In addition, the information processing method of the present invention is a wireless communication between a providing device that provides an article or service, a mobile phone each owned by the user, and a transaction organization that performs payment for the article or service. Is an information processing method for performing predetermined information processing for receiving goods or services and paying for the goods or services, in which account information relating to a user account is recorded in the mobile phone A reading step of reading account information from an information recording medium; a first transmission step of transmitting price information for notifying a price of an article or service to the mobile phone in the providing device; and A first receiving step of receiving the price information transmitted by the transmitting step, and the mobile phone In the mobile phone, a recording step of recording the price information as unsettled information in which payment of the price has not been completed on the information recording medium when the price information is received in the first receiving step, When the price information is received in the first receiving step, the settlement information requesting the settlement processing of the price based on the price information is transmitted to the transaction institution of the account information based on the account information read in the reading step. 2 and the unsettled information recorded in the information recording medium when the transaction completion information of the settlement process is transmitted from the trading in response to the transmission of the second transmitting means in the mobile phone. In the transaction recording information, and in the mobile phone, in response to the transmission of the second transmission means, the transaction institution Settlement for requesting payment processing to the transaction institution of the account information read in the reading step based on the unsettled information recorded in the information recording medium when the transaction completion information of the payment processing has not been transmitted An operation step of performing an operation input to retransmit information; and a third transmission step of transmitting the unsettled information to the trading institution in the mobile phone based on the operation input of the operation step. .

ADVANTAGE OF THE INVENTION According to this invention, the problem regarding capital investment can be solved, and the mobile telephone and information processing method which are used for the information processing system which collects goods or services etc. which can be spread widely, and its price can be provided.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 schematically shows an overall configuration of an information processing system to which a mobile phone and an information processing method according to the present embodiment are applied.

  In FIG. 1, this information processing system is roughly divided into devices that provide goods, services, etc., for example, vending machine 1, automatic ticket gate device 2, each user (consumer) possesses the original call A simple mobile phone (hereinafter simply referred to as a mobile phone) 3 that also functions, a wireless base station 4 that is provided in a predetermined communicable area from the mobile phone 3 and that receives or transmits radio waves, It is composed of ISDN connected to the wireless base station 4 via an exchange or the like, a telephone line network 5 such as a subscriber telephone network, and a bank 6 of each user connected to the telephone line network 5.

  The vending machine 1 is provided with an information transmission / reception mechanism 1a, receives purchase request information of an article from a mobile phone 3 possessed by each user, and receives price information of the article corresponding to the purchase request information. The data is transmitted to the mobile phone 3.

  The automatic ticket gate 2 is provided with an information transmission / reception mechanism 2a, receives ticket gate request information from the mobile phone 3 possessed by each user, and in the automatic ticket gate of the boarding station, code information indicating the boarding station (boarding station) Code) to the mobile phone 3, and in the automatic ticket gate at the getting-off station, the boarding station code sent from the mobile phone 3 possessed by each user is received and the fare from the boarding station to the getting-off station is calculated. The fare information is transmitted to the mobile phone 3.

  For example, an IC card can be inserted into the mobile phone 3 as a portable information recording medium possessed by each user. The information stored in the inserted IC card can be used to carry the IC card. The bank information (bank information) of the bank where the account of the user who is the user is present is read, and the price information of the article transmitted from the vending machine 1 is written in the memory provided in the IC card. Yes.

  In addition, the mobile phone 3 transmits article purchase request information to the vending machine 1 or receives price information of the purchased article transmitted from the vending machine 1, and sends the price information to the mobile phone 3. Is transmitted to the user's transaction bank 6 through the telephone line network 5 or the like on the basis of the user's transaction bank information read from the IC card inserted into the card.

  In addition, the mobile phone 3 transmits the ticket gate request information to the automatic ticket gate 2 or, in the case of an automatic ticket gate at the boarding station, receives the boarding station code transmitted from the automatic ticket gate device 2 and receives the boarding station code. Is recorded on the IC card inserted in the mobile phone 3, or the boarding station code recorded on the IC card is transmitted to the automatic ticket gate device 2 or transmitted from the automatic ticket gate device 2 in the case of an automatic ticket gate at the getting-off station. The fare information is recorded on an IC card inserted into the mobile phone 3, or the user's transaction is made through the telephone line network 5 based on the user's bank information read from the IC card. The data is sent to the bank 6.

  When the transaction bank 6 receives transaction information transmitted from the mobile phone 3 via the wireless base station 4 and the telephone network 5 including the user's account number, goods price information, fare information, etc., the transaction bank 6 uses the information. The price of the goods and the fare are deducted from the user's account, and the goods / services are traded by being transferred to the account of the goods / services seller who sells the goods via the vending machine 1. The settlement process is performed.

  In addition, when the transaction transaction settlement processing is completed in this way, the transaction information recorded as unsettled information on the IC card inserted in the mobile phone 3 is rewritten with the transaction completion information.

  Here, there may be a case where communication between the mobile phone 3 and the radio base station 4 cannot be performed normally. For example, in an environment where the automatic ticket gate device 2 is installed at a ticket gate of a subway, the wireless radio wave propagation state between the underground mobile phone 3 and the ground wireless base station is poor, so that the connection cannot be made. Comes to occur. Therefore, in such a case, the transaction information cannot be transmitted from the mobile phone 3 to the transaction bank 6 and the transaction transaction cannot be settled.

  Further, when the transaction information is transmitted from the mobile phone 3 to the transaction bank 6 through the radio base station 4 and the telephone line network 5, there may be a certain delay time depending on the communication amount and the like. As a result, it takes a time longer than a predetermined allowable time until the transaction completion information is transmitted from the transaction bank 6 to the mobile phone 3 after the settlement is completed.

  However, even in such a case, the information processing system according to the present embodiment can cope. That is, in this case, when the transaction information cannot be transmitted to the transaction bank 6, or when the transaction completion information is not transmitted from the transaction bank 6 even after a predetermined time since the transaction information is transmitted from the mobile phone 3, The mobile phone 3 could be connected to the radio base station 4 based on the unsettled information recorded in the memory in the IC card P inserted into the mobile phone 3 by performing a predetermined operation again. Sometimes, the transaction information read from the IC card P is transmitted to the transaction bank 6. In this way, when the transaction bank 6 completes the settlement of the sales transaction and the transaction completion information is transmitted, the unsettled information recorded on the IC card P is changed to the transaction completion information and recorded. It will be.

  FIG. 2 schematically shows a specific configuration of an information processing system to which the mobile phone according to the present embodiment is applied. In addition, the same code | symbol is attached | subjected to the same part as FIG. FIG. 2 shows the case of the vending machine 1 as an apparatus for providing goods / services.

The vending machine 1 is roughly divided into an information transmission / reception mechanism 1a, a control unit 1d, and an article sales mechanism 1e.
Since the information transmission / reception mechanism 1a performs transmission / reception of various information with the mobile phone 3 by wireless communication, the transmission / reception circuit 1b that modulates and demodulates the transmission / reception signal, and various information obtained as a result of demodulation by the transmission / reception circuit 1b. It comprises an encryption / decryption circuit 1c for performing decryption processing on a signal and performing encryption processing on various information signals from the control unit 1d.

The article selling mechanism 1e performs the same article selling process as the conventional one based on various information signals received by the information transmission / reception mechanism 1a and subjected to the decryption process, and information on the price information of the purchased article, etc. It transmits to the transmission / reception mechanism 1a.
The controller 1d controls the entire vending machine 1 while controlling the operation timings of the information transmission / reception mechanism 1a and the article sales mechanism 1e.

  The cellular phone 3 is obtained by transmitting / receiving various information to / from the vending machine 1 by radio communication using radio waves, and transmitting / receiving circuit 3a for modulating / demodulating electric signals, and demodulating by the transmitting / receiving circuit 3a. A decryption process is performed on various information signals, and an encryption / decryption circuit 3b for performing a decryption process on various information signals transmitted to the vending machine 1; A payment button 3c for displaying the price of goods transmitted as price information from the vending machine 1, or a display unit 3d for displaying a telephone number or the like input for a conventional call function A card reader / writer unit 3e for reading and writing various information with respect to the IC card P is provided.

  In addition, a telephone number is input for a conventional telephone call function, and various information sent via the operation unit 3f for operating instructions and the bus 3l are modulated, and the radio base station 4 is transmitted using radio waves. A radio wave transmission / reception circuit 3g for transmitting or demodulating a radio wave received from the radio base station 4 is provided. The radio wave transmission / reception circuit 3g further includes a microphone 3h for performing voice input for a conventional call function, a voice A speaker 3i that performs output is connected.

Further, the CPU 3j is connected to the CPU 3j via the bus 3l through the transmission / reception circuit 3a, the encryption / decryption circuit 3b, the settlement button 3c, the display unit 3d, the card reader / writer unit 3e, the operation unit 3f, and the radio wave transmission / reception circuit 3g. Thus, the above-described units of the mobile phone 3 are controlled.
Further, the cellular phone 3 is provided with an IC card P insertion slot (not shown), and the card reader / writer unit 3e reads and writes various information with respect to the IC card P inserted therein. To do.

The IC card P is mainly composed of a control unit P1 and a memory P2. The memory P2 has an authentication number of the owner of the IC card P, an account held by the owner and information on a bank where the account exists, That is, when the bank information is recorded, and each time an article transaction with the vending machine 1 is performed, information on the account number of the article seller, purchased item, amount of purchased item, purchase date, time Etc., unsettled information, transaction completion information, etc. are recorded.
The control unit P1 of the IC card P controls the entire IC card P.

  The unsettled information and transaction completion information recorded in the memory P3 of the IC card P can also be used as history information when the user has traded goods with the vending machine 1. In this case, when the IC card P is inserted into the mobile phone 3 and a predetermined operation, for example, a predetermined code is input from the operation unit 3f, the history information is displayed on the display unit 3d. .

  The radio wave transmitting / receiving circuit 3g of the mobile phone 3 is connected to the radio base station 4 in the predetermined communicable area with the mobile phone 3 through the antennas 3k and 4k, and radio communication using radio waves is performed. It is connected to a telephone line network 5 via an exchange or the like, and is connected to a predetermined transaction bank 6 that has a transaction with a user via a telephone line. In addition, a plurality of telephones or communication functions connected to the telephone line network 5 by a conventional call function such as a radio wave transmission / reception circuit 3g, a microphone 3h, a speaker 3i, and an operation unit 3f provided in the cellular phone 3. A telephone call can be made through a wireless base station 4 and a telephone network 5 with a terminal device having

Note that the frequency band is not particularly limited for communication between the radio wave transmitting / receiving circuit 3g of the mobile phone 3 and the radio base station 4.
The frequency band for communication between the vending machine 1 and the mobile phone 3 is preferably different from the frequency band for communication between the mobile phone 3 and the radio base station 4.
In addition, since communication between the cellular phone 3 and the vending machine 1 requires very high security, an encryption algorithm that is as complex as possible is used for encryption processing in the encryption / decryption circuits 1c and 3b. It is preferable to use it.

  Next, the processing operation of the article purchase transaction in the information processing system will be described. When using the vending machine 1, in the vicinity of the vending machine 1, the IC card P possessed by the user is first inserted into the IC card insertion slot of the mobile phone 3, and the user presses the settlement button 3c. . Then, the purchase request information requesting to start the purchase of the article from the vending machine 1 is first subjected to encryption processing by the encryption / decryption circuit 3b, modulated by the transmission / reception circuit 3a, and automatically performed by wireless communication. It is transmitted to the transmission / reception circuit 1b of the vending machine 1.

  The transmission / reception circuit 1b of the vending machine 1 demodulates the received radio wave, and the purchase request information obtained as a result is decrypted by the encryption / decryption circuit 1c and notified to the control unit 1d.

  The control unit 1d controls the article sales mechanism 1e to start its operation, and the user presses a predetermined button of the vending machine 1 or from the operation unit 3f of the mobile phone 3. When the article is selected by the operation of the above, the price information including the price of the article and information about the merchant of the article is sent to the encryption / decryption circuit 1c under the control of the control unit 1d. Thus, the encryption processing is performed, modulated by the transmission / reception circuit 1b, and transmitted to the mobile phone 3 by wireless communication.

  In the mobile phone 3, the received radio wave is demodulated by the transmission / reception circuit 3 a, the price information obtained as a result is decrypted by the encryption / decryption circuit 3 b, and is displayed via the bus 3 l under the control of the CPU 3 j. The price of goods is displayed based on the price information.

  The user confirms the price of the article displayed on the display unit 3d, and when it is accepted, presses the settlement button 3c to approve the execution of the transaction. Then, the mobile phone 3 records the transaction information based on the price information as unsettled information in the memory P2 of the IC card P by the card reader / writer unit 3e, and then notifies that the execution of the transaction is approved. As described above, the transaction approval information is transmitted to the vending machine 1 via the encryption / decryption circuit 3b and the transmission / reception circuit 3a.

  In the vending machine 1, when the transaction approval information is received as described above, the article sales mechanism 1e delivers the article based on the control by the control unit 1d. When the above processing is output in the vending machine 1, the end notification is transmitted to the mobile phone 3 as described above, and the operation of the vending machine 1 ends.

  On the other hand, as described above, the mobile phone 3 receives the price information from the vending machine 1 and records the transaction information based on the price information on the IC card P as unsettled information whose price has not been paid. The transaction information is transmitted to the transaction bank 6 specified based on the transaction bank information read from the IC card P by the card reader / writer unit 3e.

  That is, the transaction information is modulated by the radio wave transmission / reception circuit 3g and transmitted using the radio wave from the antenna 3k. When the radio base station 4 receives the radio wave via the antenna 4k, it connects to the telephone line network 5, Notify the transaction bank 6 of transaction information. The transaction information includes information such as the identification number of the owner of the IC card read from the IC card P, the price of the article transmitted from the vending machine 1, and the like.

  The transaction bank 6 performs a predetermined settlement process based on the transaction information transmitted from the mobile phone 3, and when the process is completed, the transaction is completed to the mobile phone 3 via the telephone network 5 and the wireless base station 4. Information is sent.

  In the mobile phone 3, when the transaction completion information transmitted by wireless communication is received by the antenna 3k, it is demodulated by the radio wave transmission / reception circuit 3g, and the transaction completion information obtained as a result is transmitted via the bus 3l under the control of the CPU 3j. The unsettled information is transmitted to the card reader / writer unit 3e, overwritten on the unsettled information already recorded in the memory P2 of the IC card P, and the unsettled information is changed to the transaction completion information.

  The above is the processing operation of the article purchase transaction when communication is normally performed with the vending machine 1, the mobile phone 3, and the transaction bank 6.

  Next, even if a predetermined time elapses after the transaction information is transmitted from the mobile phone 3 to the transaction bank 6, the purchase transaction of the article when the transaction completion information from the transaction bank 6 cannot be received by the mobile phone 3. The processing operation will be described.

  The user approves the price of the goods, and the settlement button 3c is pressed, the goods are delivered in the vending machine 1 and the operation of the vending machine 1 is finished. This is the same as described above until the transaction information based on the price information is recorded in the IC card P as unsettled information.

  The mobile phone 3 transmits the transaction information to the transaction bank 6 via the radio base station 4 and the telephone network 5, and no transaction completion information is sent from the transaction bank 6 even if a predetermined time has elapsed from that point. In this case, the transaction information at that time remains unsettled information including information indicating that the transaction bank 6 has not settled in the memory P2 of the IC card P (the price has not been paid).

  Thereafter, when communication is possible between the mobile phone 3 and the wireless base station 4, the telephone line network 5, and the transaction bank 6, the mobile phone 3 with the IC card P inserted therein is again connected as described above. For example, when the settlement button 3c is pressed, all the unsettled information stored in the memory P2 of the IC card P is transmitted to the bank 6 at that time. The transaction bank 6 performs a predetermined settlement process, and when the process is completed, transaction completion information is transmitted to the mobile phone 3 via the telephone network 5 and the wireless base station 4. Then, in the cellular phone 3, in response to the received transaction completion information, the card reader / writer unit 3e rewrites the unsettled information written in the memory P2 of the IC card P with the transaction completion information.

Further, the information processing system according to the present embodiment can cope with a case where the IC card P is an unauthorized use card due to theft or the like.
That is, as a protection measure for the user, for example, the identification number unique to the theft card (the identification number of the holder of the card) is registered in advance in the transaction bank 6, and transaction information is transmitted from the mobile phone 3. When the transaction bank 6 first compares the unique identification number of the IC card P included in the transaction information with the identification number registered as the theft card, and if there is a match, the IC card Use prohibition information for notifying use prohibition of P is transmitted to the mobile phone 3. In the mobile phone 3 that has received the use prohibition information, “unusable” is recorded in the memory P2 of the IC card P, and a measure for prohibiting subsequent use is taken.

  Furthermore, the information processing system according to the present embodiment can also display the purchase history so far based on various information recorded in the memory P2 of the IC card P. That is, the unsettled information and transaction completion information recorded in the memory P2 are read from the IC card P by the card reader / writer unit 3e by inputting a predetermined code from the operation unit 3f, for example, via the bus 3l. The information is transmitted to the display unit 3d, and for each transaction, the transaction status, that is, the seller, purchase item, price, date, time, and the like are displayed as a purchase history.

  The case of the vending machine 1 has been described above. Next, as an example of providing a service instead of the vending machine 1 that provides the article, for example, when the vending machine 2 is used, FIG. The description will be given with reference. In addition, the same code | symbol is attached | subjected to FIG. 2 and an identical part, and description is abbreviate | omitted.

In FIG. 3, the automatic ticket gate apparatus 2 is roughly divided into an information transmission / reception mechanism 2a, a control unit 2ed, and a passenger traffic control mechanism 2f.
The information transmission / reception mechanism 2a includes a transmission / reception circuit 2b for performing modulation and demodulation for performing transmission / reception of various information with the mobile phone 3 using radio waves, and various information signals obtained as a result of demodulation by the transmission / reception circuit 2b. A code for identifying the station where the automatic ticket gate 2 is installed, and the encryption / decryption circuit 2c for performing the decryption process or for performing the encryption process on various information signals from the control unit 2e. First, it is composed of a memory 2d in which codes for identifying all stations that can enter the station and information such as fares are recorded.

The passenger traffic control mechanism 2f is for realizing the function of the conventional automatic ticket gate.
The control unit 2e controls the entire automatic ticket gate apparatus 2 while controlling the operation timing of the information transmission / reception mechanism 1a and the passenger traffic control mechanism 2f. In the case of an automatic ticket gate at the getting-off station, a process for calculating a fare from the getting-on station to the getting-off station from the boarding station code transmitted from the mobile phone 3 and information such as the fare recorded in the memory 2d is performed. It has become.

The frequency band for communication between the mobile phone 3 and the automatic ticket gate 2 is preferably different from the frequency band for communication between the mobile phone 3 and the radio base station 4.
In addition, since communication between the mobile phone 3 and the automatic ticket gate 2 requires very high security, an encryption algorithm that is as complex as possible is used for the encryption processing in the encryption / decryption circuits 1c and 3b. It is preferable to use it.

Next, the automatic ticket gate processing operation in the information processing system will be briefly described.
When boarding using the automatic ticket gate device 2, in the vicinity of the automatic ticket gate device 2, the IC card P possessed by the user is first inserted into the IC card insertion slot of the mobile phone 3, and the user presses the settlement button. Press 3c. Then, the ticket gate request information for requesting the automatic ticket gate 2 to the automatic ticket gate device 2 is transmitted to the automatic ticket gate device 2 by wireless communication in the same manner as described in FIG.

  The transmission / reception circuit 2b of the automatic ticket gate 2 demodulates the received radio wave, and the purchase request information obtained as a result is decrypted by the encryption / decryption circuit 1c and notified to the control unit 2e. In the control unit 2e, the boarding station code stored in the memory 2d is read, subjected to encryption processing by the encryption / decryption circuit 2c, and transmitted from the transmission / reception circuit 2b to the mobile phone 3 by wireless communication. Further, the passenger passage control mechanism 2f is controlled to start its operation, and the user can pass therethrough.

  In the cellular phone 3, the boarding station code received by the transmission / reception circuit 3a is decrypted by the encryption / decryption circuit 3b and recorded in the memory P2 of the IC card P by the card reader / writer unit 3e.

  Next, in the automatic ticket gate at the getting-off station when the user carrying the mobile phone 3 gets off, first, as described above, the IC card P possessed by the user is first carried in the vicinity of the automatic ticket gate device 2. The user inserts into the IC card insertion slot of the telephone 3, and the user presses the settlement button 3c. Then, the cellular phone 3 reads the boarding station code recorded on the IC card P, and the ticket gate request information for requesting the automatic ticket gate 2 including the boarding station code is sent to the automatic ticket gate device 2 in the same manner as described in FIG. It is transmitted to the automatic ticket gate 2 as a radio wave.

  In the automatic ticket gate device 2, the received radio wave is demodulated by the transmission / reception circuit 2b, the ticket gate request information obtained as a result is transmitted to the encryption / decryption circuit 2c, where decryption processing is performed, and further, the control unit 2e Based on the control, the processing for calculating the fare from the boarding station to the getting-off station is performed based on the information such as the fare stored in the memory 2d. Information such as the calculated fare is first subjected to encryption processing by the encryption / decryption circuit 2c as fare information, and then transmitted to the mobile phone 3 by wireless communication in the transmission / reception circuit 2b.

  In the mobile phone 3, when the fare information from the automatic ticket gate 2 is received by the transmission / reception circuit 3a, it is stored in the memory P2 of the IC card P as unsettled information as described above.

  The following operation is the same as that of the vending machine 1 described above.

  As described above, according to the above embodiment, when a user purchases an article from the vending machine 1, at least the identification number for recognizing the user and the price paid by the owner. Insert the IC card P storing the information of the financial institution executing the settlement process into the mobile phone 3 possessed by the user, press the settlement button 3c, and make a purchase request for the article to the vending machine 1, When the user selects an article for the vending machine 1, the price information including the price of the article is transmitted to the mobile phone 3, and the display unit 3d of the mobile phone 3 stores the price of the article based on the price information. The price is displayed, and the user confirms the price of the article displayed on the display unit 3d. When the user confirms the price, the user presses the settlement button 3c and approves the execution of the transaction. Transaction information based on pending Information is recorded on the IC card P, and transaction approval information is transmitted to the vending machine 1. In the vending machine 1, the selected article is delivered, and the operation of the vending machine 1 is terminated. The mobile phone 3 receives the price information from the vending machine 1, records the transaction information based on the price information on the IC card P as unsettled information, and reads it from the IC card P by the card reader / writer unit 3e. The transaction information is transmitted to the transaction bank 6 specified based on the transaction bank information, and the transaction bank 6 performs a predetermined settlement process. When the process is completed, the telephone network 5 and the wireless base station 4 The transaction completion information is transmitted to the mobile phone 3 via the mobile phone 3 and is overwritten on the unsettled information already recorded on the IC card P. To solve the problems, it can provide cellular telephone of an information processing system that performs widely capable article and a collection of the proceeds is.

  In addition, when the user uses the automatic ticket gate device 2, at the automatic ticket gate of the boarding station, at least the identification number for recognizing the user, the financial institution executing the payment processing of the price paid by the owner When the IC card P storing the information is inserted into the mobile phone 3 possessed by the user and the settlement button 3c is pressed to make a ticket check request to the automatic ticket checker 2, the automatic ticket checker 2 sends it to the mobile phone 3. The boarding station code is transmitted, and the mobile phone 3 records the boarding station code on the IC card P. At the automatic ticket gate at the getting-off station, the IC card P is inserted into the mobile phone 3 again and the settlement button 3c is pressed. When the ticket gate request is made and the boarding station code is transmitted, the automatic ticket gate device 2 receives the boarding station code and information on the fare recorded in the memory 2d of the automatic ticket gate device 2 from the boarding station. Calculate the fare to the car station, send the calculated fare as fare information to the mobile phone 3, and the mobile phone 3 records transaction information based on the received fare information on the IC card P as unsettled information, Further, the transaction information is transmitted to the transaction bank 6 specified based on the transaction bank information read from the IC card P by the card reader / writer unit 3e, and the transaction bank 6 performs a predetermined settlement process. Is completed, the transaction completion information is transmitted to the mobile phone 3 via the telephone network 5 and the wireless base station 4, and the unsettled information already recorded on the IC card P is overwritten, and the unsettled information is completed. By changing to information, it is possible to provide a mobile phone of an information processing system that solves problems related to capital investment and collects a service that can be widely spread and its price.

  In addition, every time a user purchases goods / services from the vending machine 1 and the automatic ticket gate 2, unsettled information is recorded on the IC card P inserted into the mobile phone 3, and transactions are made from the mobile phone 3 to the bank 6. If transaction completion information is not transmitted from the transaction bank 6 even after a predetermined time has passed since the information was transmitted, based on the unsettled information recorded in the memory in the IC card P inserted in the mobile phone 3 When the mobile phone 3 is connected to the radio base station 4, the transaction information recorded as unsettled information on the IC card P is read again and transmitted to the transaction bank 6. When the transaction completion information is transmitted, the unsettled information recorded on the IC card P is changed to the transaction completion information, so that, for example, the automatic ticket gate 2 is installed at the ticket gate of the subway. Even when communication between the mobile phone 3 and the radio base station 4 cannot be normally performed or when a delay time more than necessary occurs in a response of communication between the mobile phone 3 and the radio base station 4. Thus, it is possible to reliably perform the settlement process at the transaction bank 6 without any practical problem.

  Further, based on the unsettled information recorded on the IC card P, it is also possible to perform control such that when the unpaid money reaches a predetermined amount, it is collectively transmitted to the bank 6. In this case, every time a predetermined operation for transmitting the unsettled information is performed, the CPU 3j checks the contents of the unsettled information recorded on the IC card P, and a predetermined amount for which the unpaid price is determined in advance. It is determined whether or not it is reached, and only when it has been reached, it should be transmitted to the bank 6.

  When the identification number of the theft card is registered in advance in the transaction bank 6 and transaction information is transmitted from the mobile phone 3, the transaction bank 6 first identifies the identification number of the IC card P included in the transaction information. Is compared with the identification number registered as the theft card, and if it matches, the use prohibition information for notifying the use prohibition of the IC card P is transmitted to the mobile phone 3, and the use prohibition information is received. The mobile phone 3 records “unusable” in the memory P2 of the IC card P, and by taking measures to prohibit the subsequent use, it is possible to cope with the case where the IC card P is an illegal use card due to theft or the like. .

1 is a block diagram schematically showing an overall configuration of an information processing system to which a mobile phone according to an embodiment of the present invention is applied. The block diagram which shows roughly the specific structure of the information processing system at the time of using a vending machine. The block diagram which shows roughly the specific structure of the information processing system at the time of using an automatic ticket gate apparatus.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Automatic vending machine, 1a ... Information transmission / reception mechanism, 1b ... Transmission / reception circuit, 1c ... Encryption-decryption circuit, 1d ... Control part, 1e ... Sales mechanism of goods, 2 ... Automatic ticket gate apparatus, 2a ... Information transmission / reception mechanism, 2b Transmission / reception circuit, 2c ... Encryption / decryption circuit, 2d ... Memory, 2e ... Control unit, 2f ... Passenger traffic control mechanism, 3 ... Simple mobile phone, 3a ... Transmission / reception circuit, 3b ... Encryption / decryption circuit, 3c ... Settlement Button, 3d ... display unit, 3e ... card reader / writer unit, 3f ... operation unit, 3g ... radio wave transmission / reception circuit, 3h ... microphone, 3i ... speaker, 3j ... CPU, 3k ... antenna, 4 ... wireless base station, 4k ... antenna 5 ... telephone line network, 6 ... bank, P ... IC card, P1 ... control unit, P2 ... memory.

Claims (4)

The user receives the goods or services by wireless communication between the providing device that provides the goods or services, the mobile phone each possessed by the user, and the transaction institution that performs the payment for the goods or services. Used for information processing systems that perform predetermined information processing to pay for goods or services,
Reading means for reading account information from an information recording medium on which account information relating to the user's account is recorded;
When receiving price information notifying the price of goods or services transmitted from the providing device, recording means for recording the price information as unsettled information whose payment has not been completed on the information recording medium;
When receiving the price information for notifying the price of the goods or services transmitted from the providing device, based on the account information read by the reading means, the settlement processing of the price based on the price information to the transaction institution of the account information A first transmission means for transmitting payment information requesting;
Change recording means for changing and recording unsettled information recorded in the information recording medium into transaction completion information when transaction completion information for payment processing is transmitted from the trading in response to transmission of the first transmission means When,
Display means for displaying unsettled information recorded in the information recording medium by the recording means and the change recording means and transaction completion information of settlement processing as history information;
A mobile phone comprising: The user receives the goods or services by wireless communication between the providing device that provides the goods or services, the mobile phone each possessed by the user, and the transaction institution that performs the payment for the goods or services. Used for information processing systems that perform predetermined information processing to pay for goods or services,
Reading means for reading account information from an information recording medium on which account information relating to the user's account is recorded;
When receiving price information notifying the price of goods or services transmitted from the providing device, recording means for recording the price information as unsettled information whose payment has not been completed on the information recording medium;
When receiving the price information for notifying the price of the goods or services transmitted from the providing device, based on the account information read by the reading means, the settlement processing of the price based on the price information to the transaction institution of the account information A first transmission means for transmitting payment information requesting;
Change recording means for changing and recording unsettled information recorded in the information recording medium into transaction completion information when transaction completion information for payment processing is transmitted from the trading in response to transmission of the first transmission means When,
When the transaction completion information of the settlement process has not been transmitted from the trading in response to the transmission of the first transmitting means, the reading means has read the unsettled information recorded on the information recording medium An operation means for operating and inputting the re-transmission of the payment information for requesting the payment processing of the price to the account information trading institution;
Second transmitting means for transmitting the unsettled information to the trading institution based on an operation input of the operating means;
A mobile phone comprising: The user receives the goods or services by wireless communication between the providing device that provides the goods or services, the mobile phone each possessed by the user, and the transaction institution that performs the payment for the goods or services. An information processing method for performing predetermined information processing for paying for goods or services,
In the mobile phone, a reading step of reading account information from an information recording medium on which account information relating to the user's account is recorded;
In the providing device, a first transmission step of transmitting price information for notifying the price of goods or services to the mobile phone;
In the mobile phone, a first reception step of receiving price information transmitted in the first transmission step;
In the mobile phone, when the price information is received in the first receiving step, a recording step of recording the price information on the information recording medium as unsettled information whose payment has not ended;
In the mobile phone, when the price information is received in the first receiving step, a transaction processing for the price based on the price information is requested to a transaction institution of the account information based on the account information read in the reading step. A second transmission step of transmitting settlement information;
In the mobile phone, when transaction completion information for settlement processing is transmitted from the transaction in response to transmission in the second transmission step, unsettled information recorded in the information recording medium is changed to transaction completion information. A change recording step to record;
In the mobile phone, a display step of displaying unsettled information recorded in the information recording medium in the recording step and the change recording step and transaction completion information of a settlement process as history information;
An information processing method comprising: The user receives the goods or services by wireless communication between the providing device that provides the goods or services, the mobile phone each possessed by the user, and the transaction institution that performs the payment for the goods or services. An information processing method for performing predetermined information processing for paying for goods or services,
In the mobile phone, a reading step of reading account information from an information recording medium on which account information relating to the user's account is recorded;
In the providing device, a first transmission step of transmitting price information for notifying the price of goods or services to the mobile phone;
In the mobile phone, a first reception step of receiving price information transmitted in the first transmission step;
In the mobile phone, when the price information is received in the first receiving step, a recording step of recording the price information on the information recording medium as unsettled information whose payment has not ended;
In the mobile phone, when the price information is received in the first receiving step, a transaction processing for the price based on the price information is requested to a transaction institution of the account information based on the account information read in the reading step. A second transmission step of transmitting settlement information;
In the mobile phone, when the transaction completion information of the settlement process is transmitted from the transaction in response to the transmission of the second transmission means, the unsettled information recorded in the information recording medium is changed to the transaction completion information. A change recording step to record;
In the mobile phone, when transaction completion information for payment processing has not been transmitted from the transaction in response to transmission of the second transmission means, based on unsettled information recorded on the information recording medium, An operation step for operating and inputting the re-transmission of the settlement information for requesting the settlement processing of the price to the account information transaction organization read in the reading step;
In the mobile phone, a third transmission step of transmitting the unsettled information to the trading institution based on an operation input of the operation step;
An information processing method comprising:

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