JP4886337B2 - IC card and IC card system - Google Patents

Description

  The present invention relates to an IC card and an IC card system. In particular, the present invention relates to an IC card that functions as a plurality of cards, and an IC card system including the IC card.

A multipurpose portable medium that can be used for authentication and settlement with a single medium and a system therefor have been proposed (for example, see Patent Document 1). In this system, the user ID read from the portable medium and the password input by the user are transmitted to the store server, and the store ID, user ID, and password are transmitted from the store server to the DB server. The DB server authenticates with the user ID and password. Card information owned by the user is accumulated in the information DB server, and cards usable in the store are selected in the information DB server and transmitted to the information terminal device of the store. Then, the card information selected in the information terminal device is displayed. When the user inputs a card to be used for payment, the card information is transmitted to a server for payment and payment processing is performed.
JP 2004-126898 A

  When the user has a plurality of credit cards, it is desirable that the user can determine the credit card to be used in accordance with the points accumulated by using the past credit card. In the system according to Patent Document 1, for example, a user selects a card to be used for payment from usable cards transmitted from a DB server when purchasing a product. However, in the system according to Patent Document 1, the user cannot refer to accumulated point information or the like when selecting a card. Therefore, there is a problem that the user cannot appropriately determine which card is desired to be selected.

  Accordingly, an object of the present invention is to provide an IC card and an IC card system that can solve the above-described problems. This object is achieved by a combination of features described in the independent claims. The dependent claims define further advantageous specific examples of the present invention.

  According to the first aspect of the present invention, an IC card that functions as a plurality of different credit cards, a card storage unit that stores card identification information for identifying a plurality of credit cards, and a service for receiving provision of services Among the card identification information acquired by the available card acquisition unit and the card identification information acquired by the available card acquisition unit, the card storage unit stores the card identification information for identifying possible credit cards. An available card identifying unit that identifies identification information; a card usage information obtaining unit that obtains card usage information related to a credit card identified by the card identification information identified by the available card identifying unit in association with the card identification information; Based on the card usage information acquired by the card usage information acquisition unit, For each piece of card identification information specified by the department, a recommendation level determination unit that determines a recommendation level indicating a degree of recommendation for the use of a credit card, and a credit card identified by each of the card identification information specified by the usable card specification unit One of a card presenting unit that presents the card information to the user according to the degree of recommendation for each card identification information determined by the recommendation degree determining unit, and a credit card indicated by the card information presented to the user by the card presenting unit A usage card selection unit that allows the user to select, and a usage card information setting unit that sets an IC card to be usable as a credit card selected by the usage card selection unit.

  The card presentation unit may emphasize the card information of the credit card identified by each of the card identification information for which the recommendation level determination unit has determined a higher recommendation level and present it to the IC card user.

  The card usage information acquisition unit acquires the current point number obtained by using a credit card in the past and the lower limit point number that can receive a privilege according to the number of points, and determines the recommendation level Is recommended for credit cards where the current point number acquired by the card usage information acquisition unit is smaller than the lower limit point number acquired by the card usage information acquisition unit and the difference between the current point number and the lower limit point number is smaller. The degree may be determined higher.

  The card usage information acquisition unit acquires the usage frequency of the credit card in association with the card identification information, and the recommendation degree determination unit recommends the credit card with the higher usage frequency acquired by the card usage information acquisition unit. May be determined higher.

  The card presenting unit may emphasize and display the card information of the credit card for which the recommendation level determination unit has determined a higher recommendation level. The card presenting unit may display the card information of the credit card for which the recommendation level determination unit has determined a higher recommendation level in front of the card information of other credit cards in the display area. The card presenting unit may display the card information indicating the credit card for which the recommendation level determination unit has determined a higher recommendation level with higher contrast in the display area.

  You may further provide the presentation control part which displays the card information of the credit card which the utilization card | curd selection part selected on the whole surface of the display area of a card | curd presentation part.

  It further comprises a sensor unit having a plurality of sensing areas for sensing operations on the IC card 110 by the user, and the card presenting unit stores card information of different credit cards identified by the card identification information identified by the available card identifying unit. The used card selection unit may select the credit card presented by the card presenting unit in association with the sensing range sensed by the user.

  The plurality of sensing areas respectively have different sensitivities to the user's operation on the IC card 110, and the card presenting unit displays the card information of the credit card determined by the recommendation level determining unit with a higher recommendation level than the sensitivity level. It may be presented in association with a high sensing range.

  According to the second aspect of the present invention, there is provided an IC card system including an IC card that functions as a plurality of different credit cards, and card identification information for identifying a credit card that can be used by the user in order to provide a service to the user. An available card storage unit for storing a credit card, a card storage unit for storing card identification information for identifying a plurality of credit cards, and a card identification information for identifying a credit card that can be used for receiving services can be used. Available card acquisition unit that can be acquired from the card storage unit, and available card specification unit that specifies the card identification information stored in the card storage unit among the card identification information acquired by the available card acquisition unit, and can be used A card related to a credit card identified by the card identification information identified by the card identification unit Card usage information acquisition unit that acquires usage information in association with card identification information, and card usage information acquired by the card usage information acquisition unit for each card identification information specified by the usable card specification unit A recommendation level determination unit that determines a recommendation level indicating a degree of recommendation for the use of a credit card, and a credit card information identified by each of the card identification information identified by the usable card identification unit. A card presenting unit presented to the user according to the degree of recommendation for each determined card identification information, and a use card selecting unit that allows the user to select one of the credit cards indicated by the card information presented to the user by the card presenting unit; A use card information setting unit for setting the IC card to be usable as the credit card selected by the use card selection unit; Obtain.

  An available card acquisition unit, an available card identification unit, a card usage information acquisition unit, a recommendation level determination unit, a card presentation unit, a usage card selection unit, and a usage card information setting unit are provided in the IC card and can be used. The unit may be provided so as to be accessible from an IC card located in the store of the service provider. The usable card acquisition unit may wirelessly acquire card identification information for identifying a credit card that can be used for receiving the service from the usable card storage unit.

  A detection unit that detects the presence of an IC card in a store is further provided, and the available card acquisition unit is configured to receive a credit card that can be used to receive a service when the detection unit detects the presence of an IC card in the store. You may acquire the card identification information to identify from an available card storage part.

  Note that the above summary of the invention does not enumerate all the necessary features of the present invention, and sub-combinations of these feature groups can also be the invention.

  According to the present invention, it is possible to provide an IC card that is highly convenient for the user.

  Hereinafter, the present invention will be described through embodiments of the invention. However, the following embodiments do not limit the claimed invention, and all combinations of features described in the embodiments are inventions. It is not always essential to the solution.

  FIG. 1 shows an example of the usage environment of the IC card system 100. The IC card system 100 includes an IC card 110, a service providing server 120, an antenna 125, an available card storage unit 130, an available card storage unit 130, a communication line 150, a card information server 175, and a card usage information storage unit 180. . The IC card system 100 provides a system that can use a flexible IC card 110 that functions as a plurality of different credit cards. The service providing server 120, the antenna 125, the usable card storage unit 130, and the usable card storage unit 130 are provided in each of the stores 160a to 160c (hereinafter collectively referred to as the store 160). The plurality of card information servers 175 and the card usage information storage unit 180 are provided in each of card companies 170a to 170c (hereinafter collectively referred to as the card company 170) such as a credit card issuing company or an issuer, for example.

  The IC card 110 stores a plurality of credit cards contracted by the user 190 in association with information for identifying the credit card. The information for identifying a credit card includes, for example, information indicating at least a credit card brand, and includes a card company 170, a card number, an expiration date, a contractor name, and the like.

  The service providing server 120 supports providing services using the IC card system 100 in the store 160. Specifically, the service providing server 120 transmits a radio wave indicating that the IC card system 100 can be used from the antenna 125. The antenna 125 transmits radio waves that can be received by the IC card 110 from at least a part of the store 160. The available card storage unit 130 is connected to the service providing server 120 and stores brands of credit cards that can be used in the store 160. When the user 190 enters the store 160a and the IC card 110 carried by the user 190 detects radio waves from the antenna 125, the IC card 110 communicates with the service providing server 120 via the antenna 125, An available credit card brand is acquired from the available card storage unit 130.

  Then, the IC card 110 specifies a credit card stored in advance in association with the acquired credit card brand. Then, the IC card 110 acquires the usage information of each identified credit card from the card usage information storage unit 180 via the antenna 125, the service providing server 120, the communication line 150, and the card information server 175. The credit card usage information may be, for example, an available balance, a closing date, the number of points, a point expiration date, campaign information, and the like. Then, the IC card 110 determines a recommendation level for recommending the use of the credit card for each credit card based on the acquired card use information. For example, the IC card 110 determines a higher recommendation level for a credit card having a larger number of points already acquired. Then, the IC card 110 displays the card information of the credit card of the brand identified as being usable at the store 160 on the display device 112 according to the recommendation level. For example, the IC card 110 displays each of card information of a plurality of credit cards that can be used in the store 160 at different positions on the display device 112. Then, the IC card 110 displays the card information of the credit card having a higher recommendation level larger, for example, in the center of the display device 112.

  Then, the IC card 110 causes the user 190 to select an available credit card. The display device 112 has a touch panel, and the IC card 110 determines which credit card is selected based on the position on the touch panel pressed by the user 190 and the position of the display device 112 presenting the card information. Identify. Then, the IC card 110 displays the card information of the specified credit card over the entire area of the display device 112, and sets the card information to be usable by the IC card 110. At this time, the IC card 110 sets other credit cards to unusable.

  The display device 112 may be a display device that can be formed on a flexible card, such as electronic paper, liquid crystal, or organic EL. The display function of the credit card by the display device 112 may be provided by a device that can communicate with the IC card 110, which is different from the IC card 110. The charging device 140 is provided in the store 160 and supplies power to the IC card 110 using a magnetic field. Further, the payment terminal 135 may supply power to the IC card 110 at the time of payment using the IC card 110.

  FIG. 2 shows a block configuration of the IC card 110. The IC card 110 includes a card storage unit 200, an available card acquisition unit 210, a card usage information acquisition unit 220, an available card identification unit 230, a recommendation degree determination unit 240, a card presentation unit 250, a presentation control unit 260, and a usage card selection. Unit 270, use card setting unit 280, communication control unit 290, sensor unit 294, detection unit 292, charging unit 296, and power supply unit 298.

  The card storage unit 200 stores card identification information for identifying a plurality of credit cards. The available card acquisition unit 210 acquires card identification information for identifying a credit card that can be used for receiving the service from the provider of the service. Specifically, the detection unit 292 detects the presence of the IC card 110 in the store 160. For example, the detection unit 292 detects the presence of the IC card 110 in the store 160 based on a radio signal from the antenna 125. Then, when the detecting unit 292 detects the presence of the IC card 110 in the store 160, the usable card acquisition unit 210 can use card identification information that identifies a credit card that can be used to receive service provision. Obtained from the card storage unit 130.

  Then, the available card identification unit 230 compares the card identification information acquired by the available card acquisition unit 210 with the card identification information stored in the card storage unit 200, and the available card acquisition unit 210 acquires the card identification information. Among the card identification information, the card identification information stored in the card storage unit 200 is specified. Then, the card usage information acquisition unit 220 acquires card usage information related to the credit card identified by the card identification information identified by the available card identification unit 230 in association with the card identification information. Specifically, the card usage information acquisition unit 220 acquires card usage information from the card usage information storage unit 180 via the antenna 125, the service providing server 120, the communication line 150, and the card information server 175. At this time, the card usage information is encrypted and communicated between the card information server 175 and the IC card 110.

  And the recommendation degree determination part 240 is a degree which recommends the utilization of a credit card for every card identification information which the usable card | curd specific | specification part 230 specified based on the content of the card | curd use information which the card use information acquisition part 220 acquired. The degree of recommendation indicating is determined.

  Then, the card presentation unit 250 determines the card information of the credit card identified by each of the card identification information identified by the usable card identification unit 230 according to the recommendation level for each card identification information determined by the recommendation level determination unit 240. Present to user 190. Specifically, the card presentation unit 250 emphasizes the card information of the credit card identified by the card identification information for which the recommendation level determination unit 240 has determined a higher recommendation level and presents it to the user 190 of the IC card 110. As described above, the card presentation unit 250 displays the credit card information of the credit card for which the recommendation level determination unit 240 has determined a higher recommendation level with more emphasis. Note that the card information indicates information that allows the user 190 to identify a plurality of credits stored in the card storage unit 200, such as a credit card logo image.

  Then, the use card selection unit 270 causes the user 190 to select one of the credit cards indicated by the card information presented to the user 190 by the card presentation unit 250. The usage card setting unit 280 sets the IC card 110 to be usable as the credit card selected by the usage card selection unit 270. In addition, the presentation control unit 260 displays the card information of the credit card selected by the use card selection unit 270 on the entire display area of the card presentation unit 250.

  The card usage information acquisition unit 220 acquires a lower limit point number that is a lower limit point number at which a privilege according to the current point number and the point number obtained by using the credit card in the past can be received. And the recommendation degree determination part 240 is smaller than the lower limit point number which the card use information acquisition part 220 acquired by the card use information acquisition part 220, and the said current point number and the said lower limit point number Determine a higher recommendation for credit cards with smaller differences. The card usage information acquisition unit 220 may acquire the usage frequency of the credit card in association with the card identification information. Then, the recommendation level determination unit 240 may determine a higher recommendation level of a credit card having a higher usage frequency acquired by the card usage information acquisition unit 220.

  Note that the card presentation unit 250 may display the card information of the credit card for which the recommendation level determination unit 240 has determined a higher recommendation level in front of the card information of other credit cards in the display area. Further, the card presenting unit 250 may display the card information of the credit card for which the recommendation level determining unit 240 has determined a higher recommendation level in the center of the display area than the card information of other credit cards. Further, the card presenting unit 250 may display the card information indicating the credit card for which the recommendation level determination unit 240 has determined a higher recommendation level with higher contrast in the display area.

  The sensor unit 294 detects an operation on the IC card 110 by the user 190. Specifically, the sensor unit 294 has a plurality of sensing areas for sensing an operation on the IC card 110 by the user 190. Then, the card presenting unit 250 presents card information of different credit cards identified by the card identification information identified by the available card identifying unit 230 in association with different sensing areas of the sensor unit 294. Then, the use card selection unit 270 selects the credit card presented by the card presentation unit 250 in association with the sensing area in which the operation by the user 190 is sensed.

  The plurality of sensing areas have different sensitivities to the operation by the user 190, respectively. Then, the card presentation unit 250 presents the card information of the credit card for which the recommendation level determination unit 240 has determined a higher recommendation level in association with the higher sensitivity sensing area. Thereby, possibility that the user 190 will select a credit card with a low recommendation degree accidentally can be reduced.

  The usable card storage unit 130 is provided so as to be accessible from the IC card 110 located in the store 160 of the service provider. Specifically, the usable card storage unit 130 is provided so as to be accessible from the IC card 110 via the antenna 125. An accessible area from the IC card 110 via the antenna 125 includes at least a part of the store 160. The antenna 125 may be installed so that the vicinity of the entrance of the store 160 is an accessible area.

  Note that the charging unit 296 supplies the power received from the settlement terminal 135 or the charging device 140 to the power supply unit 298. The power supply unit 298 has a rechargeable power supply such as a battery and supplies power to each unit of the IC card 110.

  The display device 112 described in FIG. 1 is an example of the card presenting unit 250. Further, the service providing server 120 includes the functions of the usable card acquisition unit 210, the card usage information acquisition unit 220, the usable card identification unit 230, the recommendation level determination unit 240, the presentation control unit 260, and the detection unit 292. Good. For example, when the service providing server 120 detects the presence of the IC card 110, the service providing server 120 may acquire card identification information from the IC card 110. Then, the service providing server 120 identifies a credit card that can be used in the store 160, determines the recommendation level based on the card usage information acquired from the card usage information storage unit 180, and based on the determined recommendation level The card information is presented on the IC card 110. In this case, the IC card 110 performs an operation of presenting the card information received from the service providing server 120 to the user 190, a credit card selection operation from the user 190, and a setting operation of the selected credit card.

  FIG. 3 shows an example of the operation flow of the IC card 110. The detection unit 292 periodically detects radio waves around the IC card 110, and determines whether radio waves from the antenna 125 have been detected (S302). If the radio wave from the antenna 125 is not detected in S302, the detection unit 292 repeats the determination in S302 at a predetermined time interval.

  In S <b> 302, when the detection unit 292 detects a radio wave from the antenna 125, the available card acquisition unit 210 determines a brand of a card that can be used in the store 160 from the available card storage unit 130 via the communication control unit 290. Obtain (S304). Then, the usable card identification unit 230 compares the brand stored in the card storage unit 200 in association with the credit card with the brand acquired by the usable card acquisition unit 210 in S304. Identify credit cards that match the brands you store. Then, the available card specifying unit 230 determines whether an available card is specified (S306).

  When it is determined in S306 that an available credit card has been identified, the card usage information acquisition unit 220 acquires the specified credit card usage information from the card usage information storage unit 180 (S308). Note that the card usage information is, for example, the number of points added by using a credit card, the point addition condition indicating the number of points added per usage amount, and the acquisition of a privilege given according to the number of points It includes service information such as privilege information indicating conditions and the like, service information such as campaign information, or the use status of the card such as an available balance and the amount used in the current month. The card usage information may or may not include payment information such as a card number, expiration date, and name necessary for payment.

  If the card storage unit 200 stores user identification information that can identify the user 190, the card storage unit 200 stores the card usage information acquisition unit 220 in order to acquire the card usage information. The user identification information may be transmitted to the card information server 175. Thereby, the card information server 175 can search the usage information of the credit card contracted with the user 190 from the card usage information storage unit 180 based on the user identification information, and can transmit it to the IC card 110. Further, when the card storage unit 200 stores information (for example, a card ID assigned to each credit card or payment information) that can identify a credit card on the card company 170 side, Information may be sent to the card information server 175. Thereby, the card information server 175 can search the credit card usage information identified by the information from the card usage information storage unit 180 and transmit it to the IC card 110.

  Then, the card usage information acquisition unit 220 acquires a store ID for identifying the store 160 from the service providing server 120 via the communication control unit 290 (S310). The store ID may be information for identifying each store 160 or information for identifying a service provider that provides a service at the store 160. Further, the store ID may be information for identifying a brand or genre of a service provided at the store 160.

  Then, the card usage information acquisition unit 220 acquires the average purchase amount identified by the store ID (S312). Specifically, the card storage unit 200 stores user identification information for identifying the user 190, and the service providing server 120 acquires the user identification information from the card storage unit 200 at the time of payment of a credit card, etc. The purchase amount at the time of settlement is stored in association with the acquired user identification information. Then, the service providing server 120 acquires user identification information stored in the card storage unit 200 when the user 190 enters the store, and purchases stored in the service providing server 120 in association with the acquired user identification information. The average purchase amount is calculated from the amount. Then, the card usage information acquisition unit 220 acquires the average purchase amount calculated by the service providing server 120. Further, the card storage unit 200 itself can store the purchase amount in association with the store ID.

  And the recommendation degree determination part 240 acquires the average number of acquisition points which show the point added when using the average purchase amount which the card utilization information acquisition part 220 acquired (S314). Then, the recommendation level determination unit 240 determines the recommendation level for each of the available credit cards specified in S306 (S316). A specific determination method by which the recommendation level determination unit 240 determines the recommendation level will be described with reference to FIG.

  And the presentation control part 260 determines a presentation aspect according to the recommendation degree which the recommendation degree determination part 240 determined, and displays it on the card | curd presentation part 250 (S318). Then, the use card selection unit 270 selects one credit card in accordance with a selection instruction based on an instruction from the user 190 (S320). Then, the use card setting unit 280 writes information necessary for the settlement using the credit card selected in S320 to the IC card 110, and sets only the credit card to be usable. At this time, the use card setting unit 280 erases the information necessary for settlement with another credit card if it is already written in the IC card 110.

  If it is determined in S306 that an available credit card has not been specified, all credit cards that can function as the IC card 110 are disabled (S332), and the process is performed. finish.

  Note that the card usage information acquisition unit 220 may acquire service information of the store 160 from the service providing server 120. Then, the card presentation unit 250 may display the service information of the store 160 acquired by the card use information acquisition unit 220. As described above, according to the IC card system 100, the user 190 can easily switch and use the functions of a plurality of credit cards in one IC card 110. Further, the IC card 110 can complete the operations up to the above-described S318 while the user 190 selects a product at the store 160, more specifically, before the user 190 enters the store 160. Therefore, the user 190 can determine in advance which of the plurality of credit cards is to be used sufficiently before the payment is made at the payment terminal 135.

  FIG. 4 shows an example of a recommendation level determination factor for the recommendation level determination unit 240 to determine the recommendation level. The recommendation level determination unit 240 uses a value (hereinafter referred to as value A), a value obtained by subtracting the average purchase amount from the available balance (hereinafter referred to as value B), and a value obtained by subtracting the current point number from the number of privilege points ( Hereinafter, the value C), a value obtained by subtracting the number of privilege points from the sum of the number of reduced points and the average number of acquired points (hereinafter referred to as value D), and the current number of points (hereinafter referred to as value E). The determination conditions for determining the recommendation levels R1 to R5 are stored in advance in association with the recommendation level determination factors. The number of privilege points may be the lower limit of the number of points necessary to obtain a certain privilege. And the recommendation level determination part 240 calculates the sum total of recommendation level R1-R5 determined about each recommendation level determination requirement for every credit card, and makes it a recommendation level.

  For example, the recommendation level determination unit 240 stores a determination condition for determining a larger recommendation level R1 in association with a larger value A. Thereby, the recommendation level determination part 240 can determine the recommendation level according to the usage tendency of the credit card of the user 190. The usage amount may be a usage amount within a predetermined period. In addition, the usage frequency in the present invention may be a concept encompassing the usage amount and the usage count. The recommendation level determination unit 240 stores a determination condition for determining a greater recommendation level R2 for a larger value B. Thereby, the recommendation level determination part 240 can calculate the recommendation level of a credit card with high possibility of exceeding an available balance low. Further, the recommendation level determination unit 240 stores a determination condition for determining a larger recommendation level R3 for a smaller value C on condition that the value C is positive. Thereby, the recommendation level determination part 240 can calculate highly the recommendation level of the credit card which has already acquired the point number close | similar to the number of points which can receive a privilege. Further, the recommendation level determination unit 240 stores a determination condition for determining a higher recommendation level R4 when the value D is positive on condition that the value C is positive. Thereby, the recommendation degree determination part 240 can calculate highly the recommendation degree of the credit card expected to reach a privilege point by using the average purchase amount at the store 160. Also, the recommendation level determination unit 240 stores a determination condition for determining a greater recommendation level R5 for a larger value E. In many cases, it is expected that a higher value privilege can be obtained by accumulating a larger number of points with one credit card.

  Note that the determination conditions described in this figure are an example of conditions for determining the recommendation level, and the recommendation level determination unit 240 has various types based on other card usage information and determination conditions, and combinations thereof. The degree of recommendation can be determined by the method. For example, when the recommendation level determination unit 240 determines the recommendation level, a point expiration date, a payment account, a previous use date, and the like may be acquired from the card use information storage unit 180. And the recommendation degree determination part 240 may determine the recommendation degree of the credit card with which the expiration date of a point is nearer higher about the credit card whose number of points is closer to the number of privilege points. Further, when the number of payment accounts increases due to the use of a credit card, the recommendation level determination unit 240 can determine the recommendation level of the credit card to be low. Needless to say, the recommendation level determination unit 240 may determine the recommendation level based on the priority set in advance by the user 190 for each credit card. In the present invention, the recommendation level determination unit 240 calculating the recommendation level for each card identification information includes the case of calculating the recommendation level for each card company 170 and each brand. For example, when the user 190 owns a plurality of credit cards of the same brand issued by the same card company 170, the available balance, the number of points, etc. are added together for the plurality of credit cards, and the user 190 Therefore, it is desirable that the recommendation level determination unit 240 determines the recommendation level regarding the number of points for each card company 170 and brand.

  FIG. 5 shows an example of display contents of card information displayed by the IC card 110. The presentation control unit 260 displays different locations 510 and 512 in the display area 500 of the card presentation unit 250 and card information. At this time, the presentation control unit 260 displays the card information 510 of the credit card with the higher recommendation level determined by the recommendation level determination unit 240 in a larger and more central position. The presentation control unit 260 stores in advance a template that defines the position and size of card information to be displayed in the display area 500 in association with the order determined in descending order of recommendation. Then, the presentation control unit 260 displays the card information in the display area 500 at the position and size stored in advance in association with the order determined in descending order of the recommendation degree determined by the recommendation degree determination unit 240. Good. In addition, the presentation control unit 260 may cause the card information of the credit card with the second rank to blink. The presentation control unit 260 stores the display mode as described above in advance as a template. Note that the presentation control unit 260 may display card information including an available balance.

  Further, the IC card 110 may display card information of a credit card that can be used by the IC card 110 at a predetermined position. For example, the IC card 110 displays credit card information in display areas 530a to 530i (hereinafter collectively referred to as display areas 530) of the display area 500. Then, the presentation control unit 260 may display the card information of the credit card specified by the usable card specifying unit 230 in the display area 530 where the card information of the credit card is displayed. At this time, the presentation control unit 260 does not have to display the card information of the credit card that is not specified by the usable card specifying unit 230 in the display area 530, or displays it together with a mark indicating that the credit card cannot be used. Also good.

  In addition, the presentation control unit 260 displays the content to be displayed in the display area (for example, the display area 530b) where the card information of the credit card having the higher recommendation level determined by the recommendation level determination unit 240 is displayed with higher contrast. You can do it. As described above, the presentation control unit 260 stores in advance the display mode of the card information corresponding to the recommendation degree order, and stores it in association with the recommendation degree order determined by the recommendation degree determination unit 240. Display on the card presentation unit 250. Thereby, the IC card 110 can make the credit card with a higher recommendation degree emphasized and visually recognized by the user 190. Note that the IC card 110 may have a card presentation unit 250 on both sides of the card. Then, the presentation control unit 260 displays the card information of the credit card with the highest rank on the entire surface of the card presentation unit 250 on the first side, and the card information on one or more other credit cards on the second side. You may display on the presentation part 250. FIG.

  FIG. 6 shows an example of the structure of the card presentation unit 250 and the sensor unit 294. The sensor unit 294 is provided adjacent to the card presentation unit 250. The sensor unit 294 has a plurality of sensing areas 610a to 610f (hereinafter collectively referred to as sensing areas 610). The sensing area 610 is provided in association with the display areas 620 and 630 in which the card presentation unit 250 displays card information in the presentation control unit 260. For example, the display area 620 is located on the lower surface of the sensing areas 611a to 611c, and the display area 630 is located on the lower surface of the sensing areas 611d to 611f.

  Each of the sensing areas 611 is provided with a sensor that senses an instruction operation by the user 190 for each of the sensing areas 611. The sensor senses, for example, a change in capacitance and a change in pressure before and after the finger of the user 190 is touched. For example, when the user 190 touches the display area 620 with a finger, any sensor provided in the sensing areas 610a to 610c detects that fact.

  Note that the sensitivity of the sensors provided in the sensing areas 610a to 610c is higher than the sensitivity of the sensors provided in the sensing areas 610d to 610f. Then, the presentation control unit 260 causes the display area 620 on the lower surface of the sensing areas 610a to 610c to present the card information of the credit card for which a higher recommendation level has been determined. In this way, in order to select a credit card with a lower recommendation level, the sensing area where the card information is displayed needs to be touched more strongly. For this reason, the possibility that a credit card for which a low recommendation level has been determined is erroneously selected is reduced.

  Note that the sensitivity of the sensing area 610 may be fixedly set in advance when the IC card 110 is manufactured. Then, the presentation control unit 260 may present the card information of the credit card for which the recommendation level determination unit 240 has determined a higher recommendation level in association with the sensing area 610 in which higher sensitivity is set in advance. In addition, the sensitivity of the sensing area 610 may be variable. In this case, the sensor unit 294 may dynamically change the sensitivity of the sensing area 610 according to the recommended degree of card information presented by the presentation control unit 260. For example, the sensor unit 294 may set the sensitivity of the sensing area 610 that is presented in association with the card information of a credit card for which a higher recommendation level is determined to be higher.

  In addition, the presentation control unit 260 may present the card information of the credit card for which the recommendation level determination unit 240 has determined a higher recommendation level in association with the sensing area 610 having a larger sensing area. For example, the sensor unit 294 has sensing areas 610a to 610c that detect an instruction operation from the user 190 over the entire display area 620 on which an image such as a logo image of a credit card is displayed. Set to be detectable. In the sensing areas 610d to 610f corresponding to the display area 630, the sensor unit 294 provides a user to a part of the display area 630 (for example, the central area of the display area where an image such as a logo image is displayed). The sensing area 610e that senses the instruction operation from 190 may be set to be sensitive to the instruction from the user 190, and the other sensing areas 610d and f may be set to be insensitive to the instruction from the user 190. . As described above, the sensor unit 294 changes the number (or density) of the sensing areas 610 that can sense an operation from the user 190 in each of the display areas 620 and 630, thereby changing the display areas 620 and 630. The corresponding sensing area can be changed.

  In addition, the sensor unit 294 may determine that an operation by the user 190 is sensed when a predetermined number of operations or more are detected from the user 190. The number of operations may be, for example, the number of instruction operations (for example, touch operation) continuously performed by the user 190 at a time interval smaller than a predetermined time difference. And the sensor part 294 may determine each sensitivity of the sensing area 610 with respect to instruction | indication operation from the user 190 by changing the frequency | count of operation. More specifically, the sensor unit 294 determines that an operation by the user 190 has been sensed when detecting one or more operations from the user 190 in the sensing areas 610a to 610c. The sensor unit 294 determines that an operation by the user 190 has been detected when detecting the number of operations two or more times from the user 190 in the detection areas 610d to 610f. As described above, the sensor unit 294 can set the sensitivity of the sensing area 610 to be larger by setting the number of operations for determining that the operation by the user 190 is sensed to be smaller.

  In addition, the sensor unit 294 may determine that an operation by the user 190 is sensed when an operation time longer than a predetermined time is detected from the user 190. The operation time may be, for example, a time when the user 190 continuously instructs and operates (for example, a time when the user 190 is continuously touched). And the sensor part 294 may determine each sensitivity of the sensing area 610 with respect to instruction | indication operation from the user 190 by changing operation time. More specifically, the sensor unit 294 determines that an operation by the user 190 is sensed when an operation time equal to or longer than the first time is detected from the user 190 in the sensing areas 610a to 610c. The sensor unit 294 determines that the operation by the user 190 is sensed when the operation time of the second time or longer than the first time is detected from the user 190 in the sensing areas 610d to 610f. As described above, the sensor unit 294 can set the sensitivity of the sensing area 610 to be larger by setting the operation time for determining that the operation by the user 190 is detected to be shorter.

  In the above description, the operation in which the sensor unit 294 determines whether or not the operation by the user 190 has been detected based on the number of operations or the operation time has been described. It goes without saying that the use card selection unit 270 can perform the operation based on the number of times or the operation time.

  As described above, according to the IC card system 100, the user 190 can use the functions of a plurality of credit cards by using a single IC card 110, so there is no need to carry a plurality of credit cards. Further, the user 190 can determine a credit card that can be used in the store 160 when entering the store 160. Moreover, since the IC card 110 can present the recommendation degree of each of a plurality of credit cards to the user 190 when entering the store 160, the user 190 uses any credit card at the store 160. Can be easily determined. Thus, according to the IC card system 100, it is possible to provide a credit card usage environment that is highly convenient for the user 190. In the above description, the present invention has been described using the IC card 110 according to one embodiment. However, in another embodiment, instead of a card-type medium on which an IC chip such as the IC card 110 is mounted. A mobile terminal (for example, a mobile phone, a personal digital assistant (PDA), or the like) equipped with an IC chip can be used.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. Various modifications or improvements can be added to the above embodiment. It is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

1 is a diagram illustrating an example of a usage environment of an IC card system 100. FIG. 2 is a diagram illustrating an example of a block configuration of an IC card 110. FIG. It is a figure which shows an example of the operation | movement flow of the IC card. It is a figure which shows an example of the recommendation degree determination factor which the recommendation degree determination part 240 has stored. It is a figure which shows an example of the display content by the IC card. It is a figure which shows an example of the card | curd presentation part 250 and the sensor part 294. FIG.

Explanation of symbols

100 IC card system 110 IC card 120 service providing server 125 antenna 130 usable card storage unit 135 settlement terminal 140 charging device 150 communication line 160 store 170 card company 175 card information server 180 card usage information storage unit 190 user 200 card storage unit 210 Usable card acquisition unit 220 Card usage information acquisition unit 230 Usable card identification unit 240 Recommendation degree determination unit 250 Card presentation unit 260 Presentation control unit 270 Usage card selection unit 280 Usage card setting unit 290 Communication control unit 292 Detection unit 294 Sensor unit 296 Charging unit 298 Power supply unit

Claims (12)

An IC card that functions as a plurality of different credit cards,
A card storage unit for storing card identification information for identifying the plurality of credit cards;
An available card acquisition unit that acquires card identification information for identifying a credit card that can be used to receive the service from the provider of the service;
Among the card identification information acquired by the available card acquisition unit, an available card specifying unit for specifying the card identification information stored in the card storage unit;
A card usage information acquisition unit that acquires card usage information related to a credit card identified by the card identification information specified by the usable card specification unit in association with the card identification information;
A recommendation degree for determining a recommendation degree indicating a degree of recommending the use of a credit card for each card identification information specified by the usable card specifying part based on the contents of the card use information acquired by the card use information acquiring part A decision unit;
A card presenting unit for presenting the card information of the credit card identified by each of the card identifying information identified by the usable card identifying unit to the user according to the degree of recommendation for each card identification information determined by the recommendation level determining unit; ,
A use card selection unit that allows the user to select one of the credit cards indicated by the card information presented to the user by the card presentation unit;
An IC card comprising: a use card information setting unit that sets the IC card to be usable as a credit card selected by the use card selection unit. The said card presentation part emphasizes more the card information of the credit card which each of the card identification information which the said recommendation degree determination part determined the higher recommendation degree identifies, and shows to the user of the said IC card. IC card. The card usage information acquisition unit acquires a lower limit point number that is a lower limit point number that can receive a privilege according to the current point number and the point number obtained by using a credit card in the past,
The recommendation degree determination unit is configured such that the current point number acquired by the card usage information acquisition unit is smaller than the lower limit point number acquired by the card usage information acquisition unit, and a difference between the current point number and the lower limit point number is The IC card according to claim 1, wherein the recommendation degree of a smaller credit card is determined higher. The card usage information acquisition unit acquires the usage frequency of credit card usage in association with the card identification information,
The IC card according to claim 1, wherein the recommendation level determination unit determines a higher recommendation level of a credit card having a higher usage frequency acquired by the card usage information acquisition unit. The IC card according to claim 2, wherein the card presenting unit emphasizes and displays the card information of the credit card for which the recommendation level determination unit has determined a higher recommendation level. The IC card according to claim 5, wherein the card presenting unit displays the card information of the credit card for which the recommendation level determination unit has determined a higher recommendation level in front of the card information of other credit cards in the display area. The IC card according to claim 5, wherein the card presenting unit displays card information indicating a credit card for which the recommendation level determination unit has determined a higher recommendation level with a higher contrast in a display area. The IC card according to claim 5, further comprising a presentation control unit that displays the card information of the credit card selected by the use card selection unit over the entire display area of the card presentation unit. A sensor unit having a plurality of sensing areas for sensing a user's operation on the IC card 110;
The card presenting unit presents card information of different credit cards identified by the card identification information identified by the available card identifying unit in association with different sensing areas of the sensor unit;
The IC card according to claim 1, wherein the use card selection unit selects the credit card presented by the card presentation unit in association with a sensing range in which an operation by a user is sensed. The plurality of sensing areas have different sensitivities to the user's operation on the IC card 110, respectively.
10. The IC card according to claim 9, wherein the card presenting unit presents the card information of the credit card for which the recommendation level determination unit has determined a higher recommendation level in association with a more sensitive sensing area.   An IC card that functions as a plurality of different credit cards;
  An available card storage unit for storing card identification information for identifying a credit card that can be used by the user to provide a service to the user;
With
  The IC card is
  A card storage unit for storing card identification information for identifying the plurality of credit cards;
  An available card acquisition unit for acquiring, from the available card storage unit, card identification information for identifying a credit card that can be used for receiving a service;
  Among the card identification information acquired by the available card acquisition unit, an available card specifying unit for specifying the card identification information stored in the card storage unit;
  A card usage information acquisition unit that acquires card usage information related to a credit card identified by the card identification information specified by the usable card specification unit in association with the card identification information;
  A recommendation degree for determining a recommendation degree indicating a degree of recommending the use of a credit card for each card identification information specified by the usable card specifying part based on the contents of the card use information acquired by the card use information acquiring part A decision unit;
  A card presenting unit for presenting the card information of the credit card identified by each of the card identifying information identified by the usable card identifying unit to the user according to the degree of recommendation for each card identification information determined by the recommendation level determining unit; ,
  A use card selection unit that allows the user to select one of the credit cards indicated by the card information presented to the user by the card presentation unit;
  A use card information setting unit for setting the IC card to be usable as a credit card selected by the use card selection unit;
Have
  The usable card storage unit is provided so as to be accessible from the IC card located in the store of the service provider.
IC card system.   The available card acquisition unit wirelessly acquires card identification information for identifying a credit card that can be used for receiving a service from the available card storage unit.
The IC card system according to claim 11.

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