JP4549744B2 - Electronic wallet device, electronic wallet management method, portable terminal device, and electronic wallet program - Google Patents

Description

The present invention can be applied to portable devices such as mobile phones, PHS phones (PHS: Personal Handyphone System), PDA devices (PDA: Personal Digital Assistant), etc., and an electronic wallet device, an electronic wallet management method, and a mobile terminal device And an electronic wallet program .

  2. Description of the Related Art Nowadays, an electronic money system is known in which payment can be made in a cashless manner using a contactless IC card in which electronic money information is stored (charged). For this IC card, use a dedicated terminal device for charging installed in stores, ticket vending machines, etc., or the user can access the system organizer on-line to make a request for charging. It is common to charge money.

  That is, charging of electronic money to the IC card is intentionally performed by the user, and is not automatically charged. For this reason, it is necessary for the user to always use the balance of electronic money stored in the IC card while being conscious, which is inconvenient.

  For this reason, Japanese Laid-Open Patent Publication No. 2001-236529 (Patent Document 1) proposes a card information processing method that automatically adds SF values (stored fair values).

  In this card information processing method, whether or not to automatically charge electronic money is set in advance for an IC card charged with electronic money, and the balance of electronic money is defined when passing through an automatic ticket gate at a station. If it is less than the amount and is set to allow automatic charging, electronic money is added to the IC card via a reader / writer provided in the automatic ticket gate.

  As a result, the electronic money is automatically charged to the IC card simply by passing through the automatic ticket gate of the station without using a charge-only terminal device or the like. It is possible to use an IC card without making it.

Japanese Patent Laid-Open No. 2001-236529 (pages 3 to 4: FIGS. 2 and 7)

  Here, electronic money is used for payment of public charges and taxes, or used for payment at convenience stores and department stores, and further used for purchase of train and bus tickets and commuter passes, etc. Thus, it is becoming possible to use it without choosing a store or a use. This means that the IC card in which the electronic money is stored serves as the user's wallet and has a wide range of uses (use objects).

  However, the degree of importance and the amount of the required balance are different for each usage target, such as a usage target that requires a balance of a certain amount or more and a usage target that can be handled by a later charge even if the balance is insufficient. And when electronic money is used in a wide variety of ways, it is necessary to manage the balance separately for each usage target, such as the balance for paying public charges, the balance for purchasing train commuter passes, etc. When there is a shortage of balance for the use object with high importance, the entire amount stored in the IC card is used to make up for the shortage from the balance of the use object with low importance and make payment. There is also a need to flexibly manage the remaining balance as needed.

In the present invention, electronic money can be automatically charged based on the priority set for each usage target, and the balance of the usage target with a low priority can be used with a high priority. The purpose is to provide an electronic wallet device, an electronic wallet management method, a portable terminal device, and an electronic wallet program that allow the entire balance of electronic money to be operated flexibly as required by shifting to the target balance To do.

The electronic wallet device according to the present invention includes at least balance information indicating a current balance of electronic money, charge condition information indicating a condition for charging electronic money, and electronic money as means for solving the above-described problem. Priority information indicating the priority for charging the electronic money, charge source information indicating the server device that is the electronic money charge source , charge upper limit information indicating the upper limit of the electronic money charge, and transition indicating the electronic money transfer condition The condition information includes storage means stored for each profile to be charged with electronic money, and communication means for communicating with the server device that is the electronic money charging source.

In addition to these means, the priority of each profile is detected based on the priority information, and the charge source information is detected at the timing indicated by the charge condition information in the order of the profiles having the highest detected priority. A communication line is established with the indicated server device, and the communication means is controlled so as to download the electronic money of the amount that is the difference between the amount indicated by the charge upper limit information and the current balance, and this Control means for adding the amount of downloaded electronic money to the balance indicated by the balance information of the corresponding profile and writing the added amount into the storage means as balance information of the corresponding profile.

In addition to these means, the amount of electronic money that can be transferred to other profiles is calculated for each predetermined time and for each profile based on the transfer condition information of each profile, and the priority order is Calculate the shortage amount that is the difference between the amount indicated by the balance information of the high profile and the amount indicated by the charge limit information, and calculate the amount of transferable electronic money of the low priority profile as the priority. Control means for rewriting and controlling the balance of the low-priority profile and the high-priority profile balance in the storage means so as to shift to a higher-ranking profile and supplement the shortage amount.

In addition, the electronic wallet management method according to the present invention is a means for solving the above-described problems.
  At least balance information indicating a current balance of electronic money, charge condition information indicating a condition for charging electronic money, priority information indicating a priority order for charging electronic money, and a server device that is a charge source of electronic money The control means stores the charge source information to be indicated, the charge upper limit information to indicate the charge upper limit amount of electronic money, and the transfer condition information to indicate the transfer condition of electronic money in the storage means for each profile to be charged with electronic money. A memory control step;
  A priority detection step for detecting priority of each profile based on the priority information stored in the storage;
  The control means is connected to the server device that is the charge source of the electronic money indicated by the charge source information at the timing indicated by the charge condition information in the order of the profiles with the highest priority detected in the priority order detection step. A download step for controlling the communication means so as to download electronic money of an amount that is a difference between the amount indicated by the charge upper limit amount information and the current balance;
  The control means adds the amount of electronic money downloaded in the download step to the balance indicated by the balance information of the corresponding profile, and writes the added amount to the storage means as balance information of the corresponding profile. Write control steps to control;
  A transferable amount calculating step in which the control means calculates the amount of electronic money that can be transferred to another profile based on the transfer condition information of each profile for each predetermined time and for each profile;
  A shortage amount calculating step in which the control means calculates a shortage amount that is a difference between the amount indicated by the balance information of the profile having a high priority and the amount indicated by the charge upper limit information;
  The control means shifts the transferable electronic money amount calculated in the transferable amount calculation step of the low priority profile to the high priority profile calculated in the shortage amount calculation step and transfers the shortage amount. The electronic money transfer step of rewriting and controlling the balance of the profile with the low priority in the storage means and the balance of the profile with the high priority.

Moreover, the portable terminal device according to the present invention is a means for solving the above-described problems.
  At least balance information indicating the current balance of electronic money, charge condition information indicating a condition for charging electronic money, priority information indicating a priority order for charging electronic money, and a charge source of electronic money Storage in which charge source information indicating a server device, charge upper limit information indicating an upper limit of charge of electronic money, and transfer condition information indicating a transfer condition of electronic money are stored for each profile to be charged with electronic money Means,
  A communication means for performing communication with a server device as a charge source of the electronic money;
  Based on the priority information, the priority of each profile is detected, and with the server device indicated by the charge source information at the timing indicated by the charge condition information in the order of the detected high priority profile. Establishing a communication line, controlling the communication means to download the electronic money of the amount that is the difference between the amount indicated by the charge upper limit information and the current balance, and the amount of the downloaded electronic money, The amount of electronic money that is added to the balance indicated by the balance information of the corresponding profile, is written in the storage means as the balance information of the corresponding profile, and can be transferred to another profile For each profile based on the transition condition information for each profile above. And calculating the shortage amount that is the difference between the amount indicated by the balance information of the high priority profile and the amount indicated by the charge upper limit information, and the calculated transferable amount of the low priority profile Rewrite the balance of the low-priority profile and the balance of the high-priority profile in the storage means so that the amount of electronic money is transferred to the high-priority profile and the shortage amount is replenished Control means for controlling.

Moreover, in order to solve the above-mentioned problem, the electronic wallet program according to the present invention
At least balance information indicating a current balance of electronic money, charge condition information indicating a condition for charging electronic money, priority information indicating a priority order for charging electronic money, and a server device that is a charge source of electronic money As storage control means for storing charge source information, charge upper limit information indicating an electronic money charge upper limit, and transfer condition information indicating electronic money transfer conditions in a storage means for each profile to be charged with electronic money Make the computer work,
By causing the computer to function as the storage control means, based on the priority information stored in the storage means, the computer is caused to function as a priority detection means for detecting the priority of each profile,
A server device serving as a charge source of the electronic money indicated by the charge source information at the timing indicated by the charge condition information in the order of the profiles with the highest priority detected by causing the computer to function as the priority order detection means. A computer as a communication control means for controlling the communication means so as to download electronic money of an amount that is the difference between the amount indicated by the charge upper limit information and the current balance. Let
The amount of electronic money downloaded by causing the computer to function as the communication control means is added to the balance indicated by the balance information of the corresponding profile, and the added amount is used as the balance information of the corresponding profile. Causing the computer to function as write control means for controlling writing to the storage means,
Based on the transfer condition information of each profile, the amount of electronic money that can be transferred to another profile is calculated for each predetermined time and for each profile, and the computer functions as a transferable amount calculation unit.
Causing the computer to function as a deficient amount calculating means for calculating a deficient amount that is a difference between the amount indicated by the balance information of the profile having a high priority and the amount indicated by the charge upper limit information at each predetermined time;
The priority order calculated by causing the computer to function as the deficient amount calculation means, using the amount of electronic money that can be transferred with a low priority profile calculated by causing the computer to function as the transferable amount calculation means. The computer is used as electronic money transfer means for rewriting and controlling the balance of the profile with the low priority in the storage means and the balance of the profile with the high priority so that the shortage amount is replenished and the shortage amount is replenished. Make it work.

In the present invention, priorities are assigned to a plurality of profiles (charge targets), and electronic money is automatically charged according to the priorities, whereby the balance of each profile stored in the electronic wallet is stored. Simplify management. In addition, by automatically shifting the balance of the low priority profile to the balance of the high priority profile at a predetermined timing, the entire balance in the electronic wallet is flexibly operated, High profile balances can always be kept constant.

  In the present invention, priorities are assigned to a plurality of profiles (charge targets), and electronic money is automatically charged according to the priorities. Thereby, the management of the balance for each profile stored in the electronic wallet can be substantially omitted.

  In addition, according to the present invention, a balance of a profile with a low priority can be automatically transferred to a balance of a profile with a high priority at a predetermined timing. For this reason, the entire balance in the electronic wallet can be flexibly operated, and the balance of the profile with a high priority can always be maintained at a constant balance.

  The present invention can be applied to a mobile phone.

[Configuration of mobile phone]
As shown in FIG. 1, the cellular phone according to the embodiment of the present invention includes an antenna 1 and a communication circuit 2 for transmitting / receiving data to / from a radio base station, received voice, voice of a video file, voice of music data. A speaker unit 3 for obtaining a voice output such as a microphone 4, a microphone 4 for collecting a transmitted voice, a display unit 5 for displaying a screen relating to electronic money (to be described later) in addition to a standby image and a text of a mobile mail, And an operation unit 6 provided with a plurality of keys for performing an input operation.

  The mobile phone performs user authentication with a camera unit 7 that captures an image of a desired subject, each application program such as a communication processing program (communication program), a memory 8 that stores standby images, music data, and the like. USIM card 9 (USIM: Universal Subscriber Identity Module) and USIM card interface 10 (USIM card I / F), an electronic wallet unit 11 for processing information of electronic money, a control line, and / or a data line And a control unit 16 that is connected to each of the units 1 to 11 and controls the operation of the entire mobile phone.

  The electronic wallet unit 11 includes a program storage unit 12 in which an information processing program for electronic money information is stored, a profile storage unit 13 in which setting information set for each user and each user's profile, and the like, The reader / writer has an antenna 14 that performs near-field non-contact communication, and an electronic money information control unit 15 that controls the operation of the entire electronic wallet unit 11.

  In this example, the electronic wallet unit 11 is described as being built in the mobile phone, but the electronic wallet unit 11 may be externally connected to the mobile phone.

[Profile Settings]
This mobile phone corresponds to the USIM card 9 in which contractor information such as a mobile phone number and user identification information is stored, and one mobile phone can be used by a plurality of users. For this reason, when the USIM card 9 is inserted, the control unit 16 requests the user to input user identification information (password) stored by the user, for example. User authentication is performed by comparing with the user identification information stored in the card 9.

  In this example, the user authentication is performed based on the user identification information stored in the USIM card 9, but this may be performed even if the user authentication is performed by detecting the user's fingerprint with a fingerprint sensor, for example. Alternatively, the iris of the user's eye may be captured by the camera unit 7 and user authentication may be performed using the captured iris image (= bio authentication may be used for user authentication).

  When such user authentication is completed normally, the user can set profiles such as automatic charge date and time and charge priority for each electronic money charge target.

  Specifically, the user first registers a new profile. When the operation unit 6 is operated by the user and “new profile registration” is designated by the user, the control unit 16 designates this “new profile registration” to the electronic money information control unit 15 of the electronic wallet unit 11. Make a notification to the effect.

  When “new registration of profile” is designated, the electronic money information control unit 15 inputs the profile name shown in FIG. 2A based on the information processing program of the electronic money information stored in the program storage unit 12. The display is controlled on the display unit 5. The user operates the operation unit 6 to input a desired profile name in the profile name input field 20 of the input screen. FIG. 2A shows an example in which the profile name “ABC Electric Railway” is input.

  Next, when the user finishes inputting the profile name in this way, the user operates the enter key of the operation unit 6. The presence / absence of the operation of the determination key is notified to the electronic money information control unit 15 via the control unit 16. When the electronic money information control unit 15 detects the operation of the determination key, the electronic money information control unit 15 sets details for the determined profile as shown in FIG. 2B based on the information processing program for the electronic money information. Display control of the setting screen on the display unit 5 is performed.

In the case of the electronic wallet 11 of the mobile phone,
1. Maximum amount of charge 2. 2. Automatic charge priority Day when automatic charge is executed (automatic charge date)
4). Financial institution to be charged (designated financial institution)
5). Amount that can be transferred to other profiles with higher priority (distribution rate)
Can be set as the “details”.

  The detailed setting of ABC electric railway shown in FIG. 2B will be described as an example. First, the user designates the setting of “upper limit amount of charge” based on the detailed setting screen. When this designation is made, the electronic money information control unit 15 controls the display unit 5 to display an input screen of “upper limit amount of charge” as shown in FIG. The user inputs the upper limit amount of charge by operating the operation unit 6.

  The example shown in FIG. 2C is an example in which the upper limit for automatically charging the ABC electric railway profile is set to “8900 yen”. When the input of the charge upper limit is completed, the user operates the operation unit 6 so as to select the “Yes” item shown in FIG. When the end of setting of the charge upper limit is specified, the electronic money information control unit 15 controls the display unit 5 to display the detail setting screen shown in FIG. 2B in order to prompt the user to set other details. .

  Next, the user sets “priority of charge”. That is, when the setting of “priority of charge” is designated, the electronic money information control unit 15 performs display control on the display unit 5 for selecting, for example, a priority screen of “high”, “medium”, and “low”. To do. “High” is selected when the profile has a high priority, “medium” is selected when the profile has a medium priority, and “low” is selected when the profile has a low priority. In the automatic charging described later, the automatic charging is executed for each profile in the order specified in this priority order.

  In this example, “priority of charge” is selected and set from “high”, “medium”, and “low”. The priority order may be set by numbering each profile, such as “No.”, “Priority No. 3”, and so on. In this case, automatic charging is performed in the order of “priority order 1”, “priority order 2”, and so on.

  Next, the user sets an “automatic charge date”. When the setting of the “automatic charge date” is designated, the electronic money information control unit 15 displays a setting screen for setting the date and time for charging the profile, such as date, time, week, and month, on the display unit 5. Control display. Based on this setting screen, the user sets the date and time for charging the profile, such as “10:00 am every Friday” or “1 pm on the 25th of every month”. The example shown in FIG. 2B is an example in which “every Friday” is set as the “automatic charge date”.

  Next, the user sets “designated financial institution”. When the setting of the “designated financial institution” is designated, the electronic money information control unit 15 controls the display unit 5 to display the setting screen of the financial institution in which an account for charging electronic money is established. Based on this setting screen, the user sets, for example, “bank name”, “password” for logging in to this bank network, or “credit company name”, “credit card number”, Set a "password" to log in to the network. The example shown in FIG. 2B is an example in which “AA bank” is set as “designated financial institution”.

  Next, the user sets an amount (distribution rate) that can be moved from this profile to another profile with a higher priority. When the setting of the “distribution rate” is designated, the electronic money information control unit 15 controls the display unit 5 to display the input screen for the percentage that is the distribution rate.

  That is, the setting of the “distribution rate” is to set how much of the amount can be transferred from the upper limit amount of the profile with respect to other profiles having higher priorities. For example, in the case of the ABC electric railway profile in this example, the upper limit is set to “8900 yen”. For this reason, in the setting of the “sorting rate”, the user sets what percentage of the upper limit amount “8900 yen” can be transferred to another high priority profile.

  That is, when the user determines that “4450 yen” of “8900 yen” can be transferred to another high priority profile, “50%” is set as the “sorting rate”. The Rukoto. Similarly, when the user determines that “2670 yen” of “8900 yen” can be transferred to another high-priority profile, “30%” is set as the “sorting rate”. Will be. The example shown in FIG. 2B is an example in which “50%” is set as the “distribution rate”.

  Thus, the user performs profile registration and detailed setting for each profile. Detailed settings such as the above-mentioned “charge upper limit” and “sorting rate” are performed. The electronic money information control unit 15 stores and controls the profile information of each set profile in the profile storage unit 13.

  The details of the registered profile can be reset by the user specifying “edit profile”. When this “edit profile” is designated, the electronic money information control unit 15 controls the display unit 5 to display a list of profile names of registered profiles as shown in FIG.

  In the example shown in FIG. 2D, the profiles “ABC Electric Railway”, “DEF Store”, “GHI Co., Ltd.” and “Other (the amount used as miscellaneous expenses or the amount of other profiles are insufficient) ) ”Is registered. The user selects a desired profile from such a list of profiles, and sets (edits) the details thereof as described with reference to FIGS. 2B and 2C.

  Next, FIG. 3 shows a schematic diagram of the profile information stored in the profile storage unit 13. As can be seen from FIG. 3, the profile information is stored in the profile storage unit 13 in the form of a so-called tree structure (tree structure) having the first hierarchy 21, the second hierarchy 22, and the third hierarchy 23, and the electronic money information It is managed by the control unit 15.

  The first hierarchy 21 has a main profile and log management unit. In the case of this mobile phone, the USIM card 9 allows the single mobile phone to be used by a plurality of users. For this reason, the first hierarchy 21 has user identification information for each user for specifying each user registered in advance.

  The second hierarchy 22 is configured with user information for each user. The user information includes a user main profile that is a user's free area, a password management unit that stores a password for logging in to the electronic wallet unit 11 of the user, and a log management that stores a log of the user. And the first to nth individual profiles in which the profile name and detailed setting information for each profile are stored.

  Note that the first to n-th individual profiles correspond to the profile in which the first individual profile is “ABC Electric Railway”, the second profile is “DEF store”, and the like in the above example.

  The third hierarchy 23 stores detailed setting information and the like set for each profile. As the detailed setting information, “balance information” indicating the current balance of the profile and “individual password information” indicating the individual password that is required to be input when editing the detailed setting information of the profile are stored. Yes. “Individual password information” is stored only when an individual password is set. As a result, the user can set passwords for all profiles, or can set passwords only for profiles of high importance or desired profiles.

  Further, the third hierarchy 23 includes “charge upper limit information” indicating the upper limit of charge when performing automatic charging for the profile, “priority information” indicating the priority of the profile, and automatic charging for the profile. “Automatic charge date information” indicating the date and time, “Designated financial institution information” regarding the financial institution from which electronic money is charged for that profile, and the amount of money that can be transferred to a profile with a higher priority than that profile “Distribution rate information” indicating the distribution rate is stored.

[Automatic charge processing]
Next, the automatic charging operation in the mobile phone will be described using the flowchart of FIG. 4 and the sequence diagram of FIG.

  The electronic money information control unit 15 of the electronic wallet unit 11 automatically charges each profile based on the timing information measured by the timer of the mobile phone and the “automatic charge date information” set in each profile. Monitoring the date and time when Then, when the current time is the date and time for automatic charging set in each profile, the automatic charging process described below is started.

  First, the USIM card 9 is a so-called IC card having a control unit. When the electronic money information control unit 15 detects that the date and time for automatic charging has come, at this timing, as shown in FIG. Next, a user authentication request is made to the control unit of the USIM card 9 via the USIM card I / F 10. When this user authentication request is made, the control unit of the USIM card 9 controls the display of the password input screen on the display unit 5 through the control unit 16 of the mobile phone. Then, based on this input screen, the password entered by the user and the password stored in the USIM card 9 are collated, and when the user can be authenticated, the electronic money information control unit 15 is Notification that this user has been authenticated is performed.

  The flowchart of FIG. 4 shows that at the timing when the user authentication is normally completed (= the electronic money information control unit 15 receives a notification from the control unit of the USIM card 9 that the user has been authenticated). ) Will start.

  In step S1 of the flowchart of FIG. 4, the electronic money information control unit 15 determines the electronic money at the time based on the “automatic charge date information (see FIG. 3)” of each profile stored in the profile storage unit 13. The profile for charging is detected, and the process proceeds to step S2.

  In step S2, the electronic money information control unit 15 assigns priorities to the profiles detected in step S1 based on the “priority information” of each profile stored in the profile storage unit 13. I do. For example, in the above-described example, when the priority of “ABC Electric Railway” is “high”, the priority of “DEF store” is “low”, and the priority of “GHI” is “medium”, The electronic money information control unit 15 sets "ABC Electric Railway" as the first priority, "GHI Corporation" as the second priority, and "DEF Store" as the third priority. Will be attached.

  Next, in step S3, the electronic money information control unit 15 selects a profile with the first priority, and in step S4, the profile with the first priority stored in the profile storage unit 13. The amount of electronic money charged for this profile is calculated based on the “balance information” and “charge upper limit information”.

  For example, if the current balance of “ABC Electric Railway”, which is the first priority in the above example, is “1000 yen” and the charge upper limit is set to “8900 yen”, charging is performed in this charge process. The amount of electronic money is “8900 yen-1000 yen = 7900 yen”. Therefore, in this case, the electronic money information control unit 15 determines that the electronic money of “7900 yen” needs to be charged.

  Next, in step S5, the electronic money information control unit 15 determines whether it is necessary to automatically charge electronic money for the profile. As described above, if the current balance is lower than the charge upper limit, it is determined in this step S5 that charging is required for the profile.

  On the other hand, if the current balance is the same as the charge upper limit, it is determined in step S5 that charging for the profile is unnecessary. If the electronic money information control unit 15 determines that charging for the profile is not necessary, in step S13, the electronic money information control unit 15 determines whether or not there is another profile that is subject to automatic charging. If there is a profile that is, the routine from step S3 to step S5 is repeatedly executed for each profile. If there is no other profile subject to automatic charging, the current automatic charging is unnecessary, and the electronic money information control unit 15 ends the automatic charging process as it is.

  Next, when it is determined in step S5 that automatic charging is required for the profile, the electronic money information control unit 15 stores the designated financial institution information of the profile stored in the profile storage unit 13 in step S6. Establish a communication line with the server device of the financial institution specified in.

  Specifically, the electronic money information control unit 15 makes an automatic charge request to the control unit 16 of the mobile phone body as shown in FIG. 5 at a timing when it is determined that automatic charging is necessary. This automatic charge request includes address information of the server device of the financial institution, information for specifying the user, information indicating the amount of money for requesting charge, and the like. The control unit 16 of the cellular phone main body accesses the server device of the financial institution designated by the user based on the address information of the server device of the financial institution, and stores information for specifying the user in the financial institution server device. By transmitting, a communication line establishment request is made.

  When the establishment request for the communication line is made, the server device of the financial institution performs user authentication based on the information for specifying the user, and establishes the communication line when the user can be authenticated, The control unit 16 of the mobile phone body is notified that the communication line has been established. As a result, a communication line corresponding to the profile is established between the mobile phone and the server device of the financial institution.

  In recent years, mobile phone theft and unauthorized use by third parties other than legitimate users are also heard. For this reason, when a legitimate user notices the theft or unauthorized use of the mobile phone, he / she notifies the mobile operator shown in FIG. The mobile operator that has received this notification, if the communication line is currently established, immediately disconnects the communication line or sets the network server device so as to refuse the establishment of the communication line after the notification. Set. Thereby, security can be improved.

  Next, in step S7 of the flowchart of FIG. 4, the electronic money information control unit 15 requests automatic charging to the server device of the financial institution. As described above, the automatic charge request made from the electronic money information control unit 15 to the control unit 16 of the mobile phone main body includes information indicating the amount of money for requesting the charge. For this reason, the server device of the financial institution draws out electronic money from the user's financial institution account based on the amount for requesting the charge, and returns this as charge data to the mobile phone side. The charge data is transferred to the electronic money information control unit 15 via the control unit 16 of the mobile phone.

  Next, in step S8 of the flowchart of FIG. 4, the electronic money information control unit 15 determines whether or not the charge data transferred from the server device of the financial institution can be charged with respect to the balance of the profile. To do. For example, when charging cannot be performed due to a charge data communication trouble or a transfer trouble in the mobile phone, the electronic money information control unit 15 determines whether there is another profile to be charged in step S14. If there is another profile to be charged, the process returns to step S3 to try charging the other profile again. On the other hand, when there is no other profile to be charged, the electronic money information control unit 15 displays a message indicating that charging could not be performed on the display unit 5 via the control unit 16 in step S15. And the automatic charging process is terminated.

  Next, when the charge data returned from the server device of the financial institution can be charged, the electronic money information control unit 15 charges the balance of the profile stored in the profile storage unit 13 in step S9. Rewrite to the balance.

  During rewriting of the balance (= during charging), the electronic money information control unit 15 monitors whether or not charging is completed in step S10. If the charging has not been completed, it is determined in step S16 whether the charging can be recovered.

  That is, even during the charging, the charging may not be completed due to a communication trouble, a system trouble in the mobile phone, a writing error, or the like. Further, the deposit amount of the user's financial institution account is insufficient, and even if the balance of the profile is charged with the charge data, the above-mentioned charge upper limit may not be reached. For this reason, if the charging is not completed, the electronic money information control unit 15 determines whether or not the charging can be completed by trying charging again in step S16 (= recoverable? Determine whether or not.) If the charge data cannot be normally received simply due to a communication trouble or the like, it can be recovered. In this case, the electronic money information control unit 15 returns the process to step S7 and makes a charge request to the server device of the financial institution again.

  On the other hand, even if the balance of the profile is charged with the charge data as described above, if the charge upper limit is not reached, this is less than the amount specified by the electronic money information control unit 15 side. This means that the charge data has been transferred from the server device of the financial institution and indicates that the balance of the user's financial institution account is insufficient. In such a case, the electronic money information control unit 15 determines that recovery is not possible, and in step S17, displays a message indicating that charging could not be performed on the display unit 5 via the control unit 16, and performs the following control. The process proceeds to step S11.

  Next, when charging for the balance of the profile is completed, or when a message indicating that charging could not be performed is displayed in step S16 and step S17, the electronic money information control unit 15 performs step S11. , A charge completion notification is transmitted to the control unit 16 to make a communication line disconnection request. As shown in FIG. 5, this charge completion notification is transmitted to the server device of the mobile operator and the server device of the financial institution via the control unit 16. Thereby, the communication line established between the server device of the mobile operator and the server device of the financial institution and the mobile phone is disconnected.

  Next, in step S12, the electronic money information control unit 15 determines whether there is another profile for automatic charging. This determination is performed by determining whether there is a profile detected in step S2 and step S3 described above in addition to the profile for which charging has been completed.

  If it is determined that there is another profile for automatic charging, the electronic money information control unit 15 returns the process to step S3, selects a profile with the highest priority from the profiles for automatic charging, By repeatedly executing steps S4 to S12, the communication line is established with the server device of the financial institution designated by the profile again, and electronic money charging processing is performed.

  On the other hand, if the electronic money information control unit 15 determines in step S12 that there is no other profile for automatic charging, the electronic charging information control unit 15 ends the automatic charging process as it is.

[Modification]
In this example, when charging of one profile is completed, the established communication line is disconnected. This is because a financial institution can be specified for each profile, and the financial institution whose profile is to be automatically charged next is not necessarily the same financial institution as the profile for which charging has been completed.

  However, this means that before disconnecting the communication line, the financial institution of the next charging profile is detected, and the financial institution of the next charging profile is the same as the financial institution of the charged profile. If there is, the automatic charging process may be continued without disconnecting the communication line.

  In addition, when there are a plurality of other profiles that perform automatic charging, a profile of a financial institution that is the same as the financial institution that has completed charging is detected from the plurality of profiles, and the charge of the detected profile is determined as described above. It may be executed regardless of the priority order. In this case, the first priority profile is charged first, and then the profile in which the same financial institution as the first priority profile is specified is charged. As a result, it is possible to perform automatic charging for other profiles continuously with the communication line established, and thus the time required for the automatic charging process can be greatly shortened.

  In this example, automatic charging is performed when the date and time specified in each profile is reached. This is because the electronic money information control unit 15 monitors the balance of each profile, and this balance is “ The electronic money information control unit 15 may execute the automatic charging process when the amount falls below the amount specified by the user or when the amount falls below a predetermined amount set by the system.

[Automatic sorting]
Next, as described above, a priority order can be set for each profile, but it is preferable to always set a predetermined balance for a profile with a high priority order. For this reason, in the mobile phone, when automatic charging is not performed, the amount corresponding to the “distribution rate” is automatically transferred from the low priority profile to the high priority profile. , The balance of the high priority profile is to be secured.

  The flowchart of FIG. 6 shows the flow of such automatic distribution processing. In this flowchart, the electronic money information control unit 15 starts executing the automatic distribution process at predetermined time intervals or at timings designated by the user.

  When the execution of this automatic distribution process is started, the electronic money information control unit 15 first, in step S1, determines each profile based on the “distribution rate information (see FIG. 3)” of each profile stored in the profile storage unit 13. Calculate the amount that can be distributed for each profile. Specifically, for example, when the upper limit of a certain profile is set to “50000 yen” and the distribution rate is set to “25%”, this profile is 25% of the above 50000 yen. This means that the user can approve 12,500 yen to move to another profile. When the current balance of the profile whose upper limit is “50000 yen” is “40000 yen”, the electronic money information control unit 15 calculates “40000 yen− (50000−12500 yen) = 2500 yen”. And “2500 yen” is calculated as the amount of money that can be transferred from this profile to another profile.

  In other words, in this example, the distribution rate of “25%” is set for “50,000 yen” which is the upper limit amount of the profile. This means that “50000-12500 yen = 37500 yen” It shows what you want to reserve for use. For this reason, the electronic money information control unit 15 subtracts the minimum amount (37500 yen) to be secured for the profile from the current balance (= 40000 yen), and a surplus amount (40000 yen-37500 yen = 2500). Yen) is calculated as the amount that can be transferred to other profiles.

  If the current balance is less than the minimum amount reserved for the profile (37500 yen in the above example), the electronic money information control unit 15 cannot transfer electronic money from this profile. It is determined as a thing.

  In this example, the “distribution rate” is set for the upper limit, but the “distribution rate” may be set for the current balance. For example, if the current balance is 40,000 yen and a distribution rate of 25% is set, the electronic money information control unit 15 shifts “40000 yen × 0.25 = 10000 yen” to another profile. It will be calculated as a possible amount.

  In step S22 and step S23 of the flowchart of FIG. 6, the electronic money information control unit 15 performs such calculation for each profile, and determines the amount of money that can be transferred to another profile for each profile.

  Next, in step S24, the electronic money information control unit 15 detects the priority information of each profile stored in the profile storage unit 13, and detects a profile whose priority is set to “high”. Based on the “balance information” and “charge upper limit information” of the profile whose priority is set to “high”, the shortage amount of the profile whose priority is set to “high” is calculated. Then, the electronic money of the amount corresponding to the distribution rate of the low priority profile is transferred to the high priority profile so that the shortage amount is supplemented from the low priority profile (this transition). The process is a process of rewriting the balance of each profile stored in the profile storage unit 13). Thereby, the automatic distribution process ends.

  If the balance of the low priority profile is insufficient and the amount corresponding to the distribution ratio of the low priority profile cannot compensate for the shortage of the high priority profile, the electronic money information control is performed. In step S25, the unit 15 controls the display unit 5 to display a message indicating that the distribution process cannot be performed, and ends the automatic distribution process.

  Also, in this example, electronic money is automatically distributed from a low priority profile to a high priority profile. This is because the user pre-distributes the distribution source profile and the distribution destination profile. May be specified, and the electronic money information control unit 15 may distribute electronic money between the specified profiles.

  In addition, the amount corresponding to the “distribution rate” of one profile is transferred to another profile, but this may be the amount specified by the user.

[Effect of the embodiment]
As is clear from the above description, the mobile phone of this embodiment is configured so that the user sets the date and priority for automatic charging for each profile in advance, so that the electronic money information control unit of the electronic wallet unit 11 is set. When 15 is the set date and time, electronic money charging processing is automatically executed in accordance with the priority order of each profile.

  Thereby, even when there are a large number of electronic money charging targets (profiles), electronic money can be automatically charged to each profile in descending order of priority. For this reason, the troublesome work of constantly monitoring and grasping the balance of a large number of profiles can be omitted, and the convenience of the electronic wallet can be improved.

  In the mobile phone of this embodiment, the electronic money information control unit 15 monitors the balance of each profile or changes from a profile with a low priority to a profile with a high priority at a timing designated by the user. In contrast, the shortage of electronic money can be transferred. For this reason, the whole electronic money memorize | stored in the electronic wallet part 11 can be used elastically corresponding to the said priority.

  Further, the electronic money information control unit 15 performs the above-described transfer processing on the amount calculated based on the distribution rate set in each profile. For this reason, it is possible to secure the balance of the profile as the migration destination while securing the balance of the profile as the migration source.

  In the above description of the embodiment, the present invention is applied to a mobile phone. However, the present invention is not limited to a PHS phone (PHS: Personal Handyphone System), a PDA device (PDA: Personal Digital Assistant). The present invention may be applied to a portable terminal device such as a single electronic wallet device.

  Finally, the present invention is not limited to the above-described embodiment disclosed as an example, and other than the above-described embodiment, as long as it does not depart from the technical idea according to the present invention, It should be added that various changes can be made according to the design and the like.

[BRIEF DESCRIPTION OF THE DRAWINGS] It is a block diagram of the mobile telephone of embodiment to which this invention is applied. It is a schematic diagram of a registration screen and a profile editing screen when registering a new profile in the electronic wallet provided in the mobile phone of the embodiment. It is a figure for demonstrating the data structure of each profile memorize | stored in the profile memory | storage part of the electronic wallet part. It is a flowchart which shows the flow of the automatic charge process of the mobile telephone of embodiment. It is a sequence diagram of an automatic charge process. It is a flowchart which shows the flow of the automatic distribution process of the mobile telephone of embodiment.

Explanation of symbols

  1 antenna 2 communication circuit 3 speaker unit 4 microphone unit 5 display unit 6 operation unit 7 camera unit 8 memory 9 USIM card 10 USIM card interface unit (USIM card I / F) 11 electronic wallet Unit, 12 program storage unit, 13 profile storage unit, 14 short-range non-contact communication antenna, 15 electronic money information control unit, 21 profile information first layer data, 22 profile information second layer data, 23 3rd layer data of profile information

Claims (10)

At least balance information indicating a current balance of electronic money, charge condition information indicating a condition for charging electronic money, priority information indicating a priority for charging electronic money, and a charge source of electronic money Storage in which charge source information indicating a server device, charge upper limit information indicating an upper limit of charge of electronic money, and transfer condition information indicating a transfer condition of electronic money are stored for each profile to be charged with electronic money Means,
A communication means for performing communication with a server device as a charge source of the electronic money;
Based on the priority information, the priority of each profile is detected, and with the server device indicated by the charge source information at the timing indicated by the charge condition information in the order of the detected high priority profile. Establishing a communication line, controlling the communication means to download the electronic money of the amount that is the difference between the amount indicated by the charge upper limit information and the current balance, and the amount of the downloaded electronic money, The amount of electronic money that is added to the balance indicated by the balance information of the corresponding profile, and controls the writing of the added amount to the storage means as the balance information of the corresponding profile, and can be transferred to another profile For each profile based on the transition condition information for each profile above. And calculating the shortage amount that is the difference between the amount indicated by the balance information of the high priority profile and the amount indicated by the charge upper limit information, and the calculated transferable amount of the low priority profile Rewrite the balance of the low-priority profile and the balance of the high-priority profile in the storage means so that the electronic money amount is transferred to the high-priority profile and the shortage amount is replenished An electronic wallet device having control means for controlling. A USIM card interface unit to which a USIM card (USIM: Universal Subscriber Identity Module) storing at least unique user identification information is mounted;
User authentication means for performing user authentication processing based on user input and the user identification information stored in the USIM card,
The control means stores and controls the information for each profile in the storage means for each user who has been authenticated by the user authentication means, and is based on the information stored in the storage means. The download control of the downloaded electronic money and the transfer control of the electronic money from the low priority profile to the high priority profile are performed for each user authenticated by the user authentication means.
The electronic wallet device according to claim 1 . The charge condition information is information indicating at least “day” when electronic money is charged.
The electronic wallet device according to claim 1 or 2. At least balance information indicating a current balance of electronic money, charge condition information indicating a condition for charging electronic money, priority information indicating a priority order for charging electronic money, and a server device that is a charge source of electronic money The control means stores the charge source information to be indicated, the charge upper limit information to indicate the charge upper limit amount of electronic money, and the transfer condition information to indicate the transfer condition of electronic money in the storage means for each profile to be charged with electronic money. A memory control step;
  A priority detection step for detecting priority of each profile based on the priority information stored in the storage;
  The control means is connected to the server device that is the charge source of the electronic money indicated by the charge source information at the timing indicated by the charge condition information in the order of the profiles with the highest priority detected in the priority order detection step. A download step for controlling the communication means so as to download electronic money of an amount that is a difference between the amount indicated by the charge upper limit amount information and the current balance;
  The control means adds the amount of electronic money downloaded in the download step to the balance indicated by the balance information of the corresponding profile, and writes the added amount to the storage means as balance information of the corresponding profile. Write control steps to control;
  A transferable amount calculating step in which the control means calculates the amount of electronic money that can be transferred to another profile based on the transfer condition information of each profile for each predetermined time and for each profile;
  A shortage amount calculating step in which the control means calculates a shortage amount that is a difference between the amount indicated by the balance information of the profile having a high priority and the amount indicated by the charge upper limit information;
  The control means shifts the transferable electronic money amount calculated in the transferable amount calculation step of the low priority profile to the high priority profile calculated in the shortage amount calculation step and transfers the shortage amount. Electronic money transfer step for rewriting and controlling the balance of the low priority profile and the balance of the high priority profile in the storage means so as to replenish
  An electronic wallet management method. A user whose user authentication means performs user authentication processing based on at least unique user identification information stored in a USIM card mounted in a USIM card interface unit (USIM: Universal Subscriber Identity Module) and user input An authentication step,
The control means includes the storage control step, the priority order detection step, the download step, the write control step, the transferable amount calculation step, the shortage amount for each user who has been authenticated in the user authentication step. Execution control of the calculation step and the electronic money transfer step
  The electronic wallet management method according to claim 4. At least balance information indicating the current balance of electronic money, charge condition information indicating a condition for charging electronic money, priority information indicating a priority order for charging electronic money, and a charge source of electronic money Storage in which charge source information indicating a server device, charge upper limit information indicating an upper limit of charge of electronic money, and transfer condition information indicating a transfer condition of electronic money are stored for each profile to be charged with electronic money Means,
A communication means for performing communication with a server device as a charge source of the electronic money;
Based on the priority information, the priority of each profile is detected, and with the server device indicated by the charge source information at the timing indicated by the charge condition information in the order of the detected high priority profile. Establishing a communication line, controlling the communication means to download the electronic money of the amount that is the difference between the amount indicated by the charge upper limit information and the current balance, and the amount of the downloaded electronic money, The amount of electronic money that is added to the balance indicated by the balance information of the corresponding profile, is written in the storage means as the balance information of the corresponding profile, and can be transferred to another profile For each profile based on the transition condition information for each profile above. And calculating the shortage amount that is the difference between the amount indicated by the balance information of the high priority profile and the amount indicated by the charge upper limit information, and the calculated transferable amount of the low priority profile Rewrite the balance of the low-priority profile and the balance of the high-priority profile in the storage means so that the amount of electronic money is transferred to the high-priority profile and the shortage amount is replenished And a control means for controlling. A USIM card interface unit to which a USIM card (USIM: Universal Subscriber Identity Module) storing at least unique user identification information is mounted;
User authentication means for performing user authentication processing based on user input and the user identification information stored in the USIM card,
The control means stores and controls the information for each profile in the storage means for each user who has been authenticated by the user authentication means, and is based on the information stored in the storage means. The download control of the downloaded electronic money and the transfer control of the electronic money from the low priority profile to the high priority profile are performed for each user authenticated by the user authentication means.
The mobile terminal device according to claim 6 . The charge condition information is information indicating at least “day” when electronic money is charged.
The portable terminal device according to claim 6 or 7. At least balance information indicating a current balance of electronic money, charge condition information indicating a condition for charging electronic money, priority information indicating a priority order for charging electronic money, and a server device that is a charge source of electronic money As storage control means for storing charge source information, charge upper limit information indicating an electronic money charge upper limit, and transfer condition information indicating electronic money transfer conditions in a storage means for each profile to be charged with electronic money Make the computer work,
By causing the computer to function as the storage control means, based on the priority information stored in the storage means, the computer is caused to function as a priority detection means for detecting the priority of each profile,
A server device serving as a charge source of the electronic money indicated by the charge source information at the timing indicated by the charge condition information in the order of the profiles with the highest priority detected by causing the computer to function as the priority order detection means. A computer as a communication control means for controlling the communication means so as to download electronic money of an amount that is the difference between the amount indicated by the charge upper limit information and the current balance. Let
The amount of electronic money downloaded by causing the computer to function as the communication control means is added to the balance indicated by the balance information of the corresponding profile, and the added amount is used as the balance information of the corresponding profile. Causing the computer to function as write control means for controlling writing to the storage means,
Based on the transfer condition information of each profile, the amount of electronic money that can be transferred to another profile is calculated for each predetermined time and for each profile, and the computer functions as a transferable amount calculation unit.
Causing the computer to function as a deficient amount calculating means for calculating a deficient amount that is a difference between the amount indicated by the balance information of the profile having a high priority and the amount indicated by the charge upper limit information at each predetermined time;
The priority order calculated by causing the computer to function as the deficient amount calculation means, using the amount of electronic money that can be transferred with a low priority profile calculated by causing the computer to function as the transferable amount calculation means. The computer is used as electronic money transfer means for rewriting and controlling the balance of the profile with the low priority in the storage means and the balance of the profile with the high priority so that the shortage amount is replenished and the shortage amount is replenished. Make it work
Electronic wallet program. A computer is used as a user authentication means for performing user authentication processing based on at least unique user identification information stored in a USIM card mounted on a USIM card interface unit (USIM: Universal Subscriber Identity Module) and user input. Make it work
For each user authenticated by causing the computer to function as the user authentication means, the storage control means, the priority order detection means, the download means, the write control means, the transferable amount calculation means, the shortage Causing the computer to function as an amount calculation means and the electronic money transfer means,
The electronic wallet program according to claim 9.

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