JP4418577B2 - Mobile radio terminal device and electronic money transfer method - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a method for transferring electronic money stored in an IC card.
[0002]
[Prior art]
Recently, various electronic money has been devised and put into practical use as a new payment method without using a credit card.
Electronic money is a value (money value) replaced with digital data. As a typical example, “IC card type” that stores value in an IC chip embedded in a plastic card, and online on the Internet -There is a “network type” that realizes value exchange with software alone, assuming use in shopping.
[0003]
Among these, IC cards used for IC card type electronic money are roughly classified into “contact type” and “non-contact type”. Then, the service provider provides the corresponding payment system according to the processing speed, whether or not the PIN number is required at the time of value payment, the amount of usage, the maintenance of the IC card and the value input / output terminal, etc. prepare.
[0004]
For example, in a payment system using a contact type IC card, a PIN code is input at the time of value payment, so that the security is relatively high, and it is suitable mainly for ordinary goods purchase at a retail store. Since the settlement system used has high immediacy, it is suitable for payment of transportation fare such as trains and buses.
[0005]
Therefore, it is assumed that the user owns two types of IC cards of “contact type” and “non-contact type” and uses them according to the service provided.
However, depending on the situation, there is a risk that the balance of the contactless IC card will be lost even though there is a sufficient balance of the contact IC card, and the convenience of the user will be lost.
[0006]
In addition, it is assumed that the value is written (charged) to the IC card with an automatic teller machine (or an automatic teller machine) at the bank. However, depending on the bank store, a high-security contact IC There may be a case where only an automatic teller machine corresponding to the card is installed, and there is a possibility that the convenience of the non-contact type IC card is impaired.
[0007]
Furthermore, in the future, automatic teller machines (or automatic teller machines) that support only non-contact type IC cards with high maintainability will become common, and value charges for contact type IC cards will be limited. It can be performed only by a terminal, and the convenience of the contact type IC card may be impaired.
[0008]
[Problems to be solved by the invention]
In the conventional payment system using electronic money, there are contact IC cards and non-contact IC cards, and it is conceivable that the user owns both due to their advantages. There is a problem that the charge may not be supported by any bank, and its convenience may be impaired.
[0009]
The present invention has been made to solve the above problem, and even if a terminal that performs value charge is compatible with only one of a contact IC card and a non-contact IC card, It is an object of the present invention to provide a mobile radio terminal apparatus and an electronic money transfer method that do not impair convenience.
[0010]
[Means for Solving the Problems]
In order to achieve the above object, the present invention according to claim 1 is a contact-type electronic money storage capable of storing electronic money and inputting / outputting electronic money by electrical connection in a mobile wireless terminal capable of wireless communication. A connection means capable of electrically connecting the means, a non-contact type electronic money storage means capable of storing electronic money and inputting / outputting electronic money by wireless communication, a contact type electronic money storage means connected to the connection means, A transfer control means for transferring electronic money stored in one storage means to the other storage means is provided between the contactless electronic money storage means.
[0011]
According to a third aspect of the present invention, there is provided an electronic money transfer method comprising: a terminal device that outputs at least electronic money; and contact-type electronic money storage means that stores electronic money and can input and output electronic money by electrical connection. Are electrically connected to the mobile wireless terminal device capable of wireless communication, and the withdrawal step of transferring the electronic money from the terminal device to the contact-type electronic money storage means, and the contact-type electronic money storage means A connection step; contactless electronic money storage means provided in the mobile wireless terminal device, capable of storing electronic money and inputting / outputting electronic money by wireless communication; and contact electronic money storage means connected to the mobile wireless terminal device And a transfer control step of transferring the electronic money accumulated in one storage means to the other storage means.
[0012]
According to a fourth aspect of the present invention, an electronic money transfer method is provided in a terminal device that outputs at least electronic money and a mobile wireless terminal device capable of wireless communication, and stores electronic money and electronically transmits the electronic money. A withdrawal process for wirelessly connecting the contactless electronic money storage means capable of inputting / outputting money and wirelessly transferring the electronic money from the terminal device to the contactless electronic money storage means; A connection step of electrically connecting contact-type electronic money storage means capable of inputting / outputting money to the mobile wireless terminal device, contactless electronic money storage means, and contact-type electronic money storage connected to the mobile wireless terminal device And a transfer control step of transferring electronic money accumulated in one storage means to the other storage means.
[0013]
In the mobile radio terminal apparatus and electronic money transfer method configured as described above, contact-type electronic money storage means capable of inputting and outputting electronic money by electrical connection is electrically connected to the mobile radio terminal apparatus, and this contact-type electronic money storage means The electronic money stored in one storage means is transferred to the other storage means between the mobile wireless terminal device and the non-contact type electronic money storage means built in the mobile radio terminal device.
[0014]
Therefore, according to the mobile radio terminal apparatus and the electronic money transfer method configured as described above, as long as value charging can be performed only on one of the storage means, it is possible to make a settlement with electronic money regardless of whether the payment method is a contact type or a non-contact type. , User convenience is improved.
[0015]
Moreover, it is not necessary to provide both a terminal for contact-type electronic money storage means and a terminal for non-contact-type electronic money storage means for banks and other electronic money depositors, and the cost can be greatly reduced. Can do.
[0016]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 shows a configuration of a mobile radio terminal apparatus according to the present invention. Here, a mobile phone system terminal apparatus, that is, a mobile phone will be described as an example.
[0017]
In the following description, the configuration for exhibiting a normal function as a mobile phone is the same as the conventional configuration, so illustration and description thereof will be omitted, and the configuration related to the present invention will be mainly described.
[0018]
The cellular phone shown in this figure newly includes a card interface (I / F) 10, a non-contact type IC chip 20, a key input unit 30, a display unit 40, and an electronic money transfer control unit 100.
[0019]
The card interface 10 is an interface for connecting a contact IC card, and inputs / outputs the value of electronic money stored in the contact IC card under the control of an electronic money transfer control unit 100 described later.
[0020]
The non-contact type IC chip 20 has a function equivalent to that of the non-contact type IC card, stores the value of electronic money, and responds to a request from a non-contact type electronic money settlement terminal such as an automatic ticket gate. A function of paying a predetermined value by wireless communication is provided.
[0021]
The key input unit 30 is a key input unit such as a numeric keypad that is normally provided for dialing a mobile phone.
The display unit 40 is a display unit such as an LCD (Liquid Crystal Display) and can display various information.
[0022]
The electronic money transfer control unit 100 includes a flash memory and a microprocessor. The microprocessor reads electronic money from a contact IC card connected to the card interface 10 according to a program stored in the flash memory. Various controls for recording the value on the non-contact type IC chip 20 are performed.
[0023]
Next, the value transfer control operation of the mobile phone configured as described above will be described. FIG. 2 is a flowchart for explaining the control process. This processing is performed by the electronic money transfer control unit 100, and is started when a contact IC card is connected to the card interface 10 and a request is made from the user through the key input unit 30.
[0024]
First, in step 2a, the card interface 10 is controlled to read the personal identification number stored in the contact IC card, and the process proceeds to step 2b.
In step 2b, the display unit 40 is driven and controlled, and a display requesting the user to input a password is displayed. The input of the password is accepted through the key input unit 30, and the process proceeds to step 2c.
[0025]
In step 2c, it is determined whether or not the password read in step 2a matches the password received in step 2b. If the passwords match, the process proceeds to step 2d.
[0026]
If the passwords do not match, the process proceeds to step 2e, the display unit 40 is driven and controlled to display that the password is incorrect, the process proceeds to step 2b again, and the password is reset. Prompt the user for input.
[0027]
In step 2d, the card interface 10 is controlled to read the value balance stored in the contact IC card, and the process proceeds to step 2f.
In step 2f, the display unit 40 is driven and controlled to display a request for input of the value desired to be pulled out to the mobile phone, the input of the value desired to be pulled out is accepted through the key input unit 30, and the process proceeds to step 2g.
[0028]
In step 2g, it is determined whether or not the value balance read in step 2d is equal to or greater than the value to be withdrawn accepted in step 2f. If the value is greater than or equal to the value to be extracted, the process proceeds to step 2h.
[0029]
If the value is less than the value to be withdrawn, the process proceeds to step 2i to drive and control the display unit 40 to display an error indicating that the requested value cannot be withdrawn, and to step 2f again. Migrate and prompt the user to re-enter the value you want to retrieve.
[0030]
In step 2h, the card interface 10 is controlled to subtract the value to be extracted received in step 2f from the value balance stored in the contact IC card, and the value to be extracted received in step 2f is subtracted. It adds to the value balance memorize | stored in the non-contact-type IC chip 20, and complete | finishes the said process.
[0031]
As described above, in the mobile phone configured as described above, in response to a request from the user through the key input unit 30, the value stored in the contact IC card is converted to the non-contact IC chip in the own device through the card interface 10. 20 is transferred.
[0032]
Therefore, according to the mobile phone having the above-described configuration, as shown in FIG. 3, the automatic teller machine (ATM) is compatible only with the contact type IC card, not the non-contact type IC card. Even if the value cannot be charged to the non-contact type IC chip 20 from the account, the value is once charged to the contact type IC card, and then the user stores the value in the contact type IC card as needed. Can be transferred to the non-contact type IC chip 20.
[0033]
For this reason, if the user can charge the value only for the contact type IC card, the payment can be made by electronic money regardless of the contact type or the non-contact type, and the convenience of the user is improved.
[0034]
Moreover, it is not necessary to provide both value-charge terminals for contact IC cards and value-charge terminals for contactless IC cards for banks and other electronic money depositors, thereby significantly reducing costs. Can do.
[0035]
The present invention is not limited to the above embodiment. For example, in the above embodiment, the card interface 10 that can connect a contact IC card to a mobile phone is provided.
Instead of this, for example, an external card interface is recently connected to a data communication interface that is mounted on a mobile phone as a standard, and a value can be transferred from a contact IC card through this card interface. Good.
[0036]
Further, for example, in the above embodiment, only value transfer from the contact IC card to the contactless IC card has been described, but value transfer from the contactless IC card to the contact IC card may be performed.
[0037]
In this case, even when the automatic teller machine (ATM) only supports non-contact type IC cards, does not support contact type IC cards, and even if the value cannot be charged to the contact type IC card from the user's account. Once the value is charged in the non-contact type IC chip 20, the user can transfer the value in the non-contact type IC chip 20 to the contact type IC card as necessary.
[0038]
Furthermore, the control program of the electronic money transfer control unit 100 may be recorded in advance in a flash memory, or may be recorded through the data communication interface, and may be updated as necessary.
[0039]
Furthermore, in the above-described embodiment, a mobile phone has been described as an example. However, the present invention can also be applied to a terminal device of PHS (Personal Handyphone System).
In addition, it goes without saying that the present invention can be similarly implemented even if various modifications are made without departing from the gist of the present invention.
[0040]
【The invention's effect】
As described above, in the present invention, the contact-type electronic money storage means capable of inputting / outputting electronic money by electrical connection is electrically connected to the mobile radio terminal device, and the contact-type electronic money storage means and the mobile radio The electronic money stored in one storage means is transferred to the other storage means between the contactless electronic money storage means built in the terminal device.
[0041]
Therefore, according to the present invention, if value charging can be performed only on one of the storage means, payment by electronic money is possible regardless of whether the payment method is contact type or non-contact type, and the convenience of the user is improved. Even for banks and other electronic money depositors, it is not necessary to provide both a terminal for contact-type electronic money storage means and a terminal for contactless-type electronic money storage means, which can greatly reduce costs. A possible mobile radio terminal device and electronic money transfer method can be provided.
[Brief description of the drawings]
FIG. 1 is a circuit block diagram showing a configuration of an embodiment of a mobile phone according to the present invention.
FIG. 2 is a flowchart for explaining a value transfer operation of the mobile phone shown in FIG. 1;
3 is a diagram showing a configuration of an electronic settlement system in which the mobile phone shown in FIG. 1 is used.
[Explanation of symbols]
10 ... Card interface (I / F)
20 ... Non-contact type IC chip 30 ... Key input unit 40 ... Display unit 100 ... Electronic money transfer control unit

Claims (5)

In a mobile radio terminal capable of radio communication,
A connection means capable of electrically connecting a contact-type electronic money storage means capable of storing electronic money and inputting and outputting the electronic money by electrical connection;
Contactless electronic money storage means for storing electronic money and capable of inputting and outputting the electronic money by wireless communication;
Transfer control means for transferring electronic money stored in one storage means to the other storage means between the contact type electronic money storage means connected to the connection means and the non-contact type electronic money storage means A mobile radio terminal device comprising: It has an input means to accept the amount specified from the user,
The transfer control means is configured such that, among the electronic money stored in one storage means, between the contact type electronic money storage means connected to the connection means and the non-contact type electronic money storage means, the input means The mobile radio terminal apparatus according to claim 1, wherein the electronic money of the amount received in step is transferred to the other storage means. A terminal device that outputs at least electronic money and a contact-type electronic money storage unit that stores electronic money and can input and output the electronic money by electrical connection are electrically connected, and the contact-type A withdrawal step of transferring electronic money to the money storage means;
A connection step of electrically connecting the contact-type electronic money storage means to a mobile wireless terminal capable of wireless communication;
Non-contact type electronic money storage means provided in the mobile radio terminal device and capable of storing electronic money and inputting / outputting the electronic money by wireless communication; and contact type electronic money storage means connected to the mobile radio terminal device; A transfer control step of transferring the electronic money accumulated in one storage means to the other storage means. Wirelessly includes a terminal device that outputs at least electronic money and a non-contact type electronic money storage unit that is provided in a mobile wireless terminal device capable of wireless communication and stores electronic money and can input and output the electronic money by wireless communication. A withdrawal step of connecting and wirelessly transferring electronic money from the terminal device to the contactless electronic money storage means;
A connection step of electrically connecting contact-type electronic money storage means capable of storing electronic money and inputting and outputting the electronic money by electrical connection to the mobile radio terminal device; and
Transfer control for transferring electronic money stored in one storage means to the other storage means between the contactless electronic money storage means and the contact type electronic money storage means connected to the mobile radio terminal device An electronic money transfer method comprising the steps of: Comprising an input step of accepting designation of an amount of money from a user of the mobile radio terminal device;
In the transfer control step, the electronic money stored in one storage means between the contact-type electronic money storage means connected to the mobile wireless terminal device and the non-contact-type electronic money storage means, 5. The electronic money transfer method according to claim 3, wherein the electronic money of the amount received in the input step is transferred to the other storage means.

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