JP5126161B2 - Communication terminal device, method, and program. - Google Patents

Description

  The present invention relates to a technology of a contactless electronic device that provides an electronic money function.

  Conventionally, various types of electronic money using non-contact IC chips have been used. For example, pre-paid electronic money such as Suica (registered trademark), PASMO (registered trademark), Edy (registered trademark) using FeliCa (registered trademark) chip that is a method of using contactless IC card technology, QUICPay ( There are postpaid electronic money such as registered trademark) and iD (registered trademark). These electronic money are used not only as IC cards with contactless IC chips, but also by mounting FeliCa chips in mobile phones. For example, “Osaifu-Keitai (registered trademark)” is known as a mobile phone equipped with an electronic money function.

  In the prepaid electronic money, a “charge” for converting cash into electronic money is performed before use, and payment is continued until the amount of charged electronic money becomes zero. In addition, when the IC chip is held over a reader / writer, if the balance of electronic money is less than or equal to a preset amount, an auto charge method in which a specified amount is automatically charged is one of the prepaid methods. The auto-charge method is a mechanism in which payment is made with a credit card specified at a later date. On the other hand, the post-payment method (post-pay) is a mechanism in which an IC chip is held over a reader / writer to pay a fee, and after payment, the usage amount is paid by credit card. In the case of credit card settlement, the payment is continued until a pre-specified usage limit is reached.

  As shown in FIG. 1, the electronic money service by the FeliCa chip 02 in the FeliCa-compatible mobile phone device 01 is operated and managed by FeliCa Networks Co., Ltd. (hereinafter referred to as Felica Networks). Provided using 03. An electronic money service provider that provides an electronic money service and an electronic money service application (hereinafter referred to as an electronic money application) for providing the electronic money service can provide the electronic money service by applying to Felica Networks. By using the key 05 under the management of the remote issuing server 04 of Felica Networks, the common area 03 of the FeliCa chip 02 has a sparse relationship so that electronic money services can manage data independently of each other Yes. It can be said that the confidentiality among the service providers is maintained by managing the information of each electronic money service in a sparse relationship.

  In addition, the Felica Networks remote issuing server 04 performs management so that the data of the electronic money service using the common area 03 in the FeliCa chip 02 is not duplicated. For example, the memory area in the common area 03 is divided into areas and assigned to each service provider. In FIG. 1, the common area 03 is divided into six areas, and a service is assigned to each area. Each area has an individual area code. In FIG. 1, area codes from “0001” to “0005” are assigned. In addition, the Felica Networks Remote Issuing Server 04 pays out individual area key information and manages it. The FeliCa networks remote issuing server 04 can determine the number of blocks (data amount) in an individual area in which one block is 16 bytes based on the amount of information for each service.

JP 2001-216387A JP 2006-139433 A

  In the prepayment method, when paying over a reader / writer that reads and writes information by communicating with the FeliCa chip, an error occurs if the payment amount exceeds the pre-charged amount, I can't pay for that service. That is, the electronic money service may be temporarily stopped until the next charge. For example, if you try to enter the ticket gate with Suica, if the remaining Suica is less than the initial fare, an error will occur and you will have to charge again without entering the ticket gate. In addition, in the pre-payment method and the post-payment method of the auto charge, when the payment amount or the accumulated amount of the usage amount exceeds the upper limit of the usage limit amount, an error may occur, and payment with the electronic money service may not be possible. Therefore, in order to prevent a temporary suspension of the service, there is a scene in which it is necessary to confirm the remaining amount of the charge amount and the remaining amount up to the upper limit of payment for each electronic money service before use.

  In this way, when the remaining amount of electronic money becomes zero and the electronic money service is temporarily stopped, even if there is a remaining amount in other electronic money provided in the IC chip, There was no function to compensate electronic money from a money app. This is due to the sparse relationship in which electronic money applications are not involved, and the fact that they are not linked to each other.

  For example, there are cases where the FeliCa chip format is the same, such as Suica and PASMO, and area codes are mutually used by Felica Networks. However, services that cooperate with each other over a plurality of services having different format formats are not provided.

  Therefore, an object of the present invention is to provide a service for paying in place of an electronic money application when the remaining charge or usage limit of each electronic money becomes zero.

  The communication terminal device described in the present specification includes an APL cooperation unit, an APL management unit, an attribute type information rewriting unit, and a balance control unit in a memory unit. The APL linkage unit links the payment agent application and the electronic money application by writing information including the attribute type information of the electronic money service in a memory block in which information including the attribute type information of the payment agent service is stored. The APL management unit determines whether the source of error information for which an amount exceeding the payable range of the electronic money service is requested is a linked electronic money application. The attribute type information rewriting unit first reads out information on the electronic money service provided by the linked electronic money application from the memory block when it is determined that the error information is generated from the linked electronic money application. . Next, the attribute type information of the payment agent service in the memory block is rewritten to the attribute type information of the electronic money service read out earlier. The balance control unit uses the rewritten payment agent service attribute type information to execute a payment process for an amount exceeding the payable range in place of the linked electronic money application. When the payment process is executed, information indicating that the process is normally completed is transmitted to the reader / writer.

  According to this communication terminal device, when the remaining amount or usage limit of the electronic money service provided by the linked electronic money application becomes zero, the payment agent application performs the payment process of the shortage amount on behalf of the electronic money service. Can be executed. Therefore, it is possible to continue using the electronic money service without temporarily stopping it.

  Further, in the present specification, a program for causing a computer to perform the function provided by each component of the communication terminal device so that the computer can construct the communication terminal device is also described.

  According to the communication terminal device described in the present specification, there is an effect that the use can be continued without temporarily stopping the electronic money service.

This is an example of an electronic money service using the FeliCa chip common area. It is a hardware block diagram of a mobile telephone apparatus. It is a functional block diagram of a mobile phone device. It is a flowchart which shows the initial setting process of an electronic money application. It is an example of the data structure and application setting of an IC chip part. It is an example of the data structure and application addition of an IC chip part. It is an image figure of cooperation of a payment agent application and an electronic money application. It is the figure which showed the flow of the process for implementing a payment agency application. It is the figure which showed the flow of the process for implementing a payment agency application. It is the figure which showed the data structure in an IC chip part accompanying the process for implementing a payment proxy application. It is the figure which showed the data structure in an IC chip part accompanying the process for implementing a payment proxy application. It is a flowchart which shows the initial setting process of a payment proxy application. It is the figure which showed the flow of the process for implementing a payment agency application. It is the figure which showed the flow of the process for implementing a payment agency application. It is the figure which showed the data structure in an IC chip part accompanying the process for implementing a payment proxy application. It is the figure which showed the data structure in an IC chip part accompanying the process for implementing a payment proxy application. It is the figure which showed the data structure in an IC chip part accompanying the process for implementing a payment proxy application. It is the figure which showed the access pattern of IC chip. It is the figure which showed the usage example of the access pattern of an IC chip. It is the figure which showed the usage example of the access pattern of an IC chip. It is the figure which showed the example of the payment method of a payment agency application. It is the figure which showed the example of the payment method of a payment agency application. It is the figure which showed the example of the payment method of a payment agency application.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 2 is a diagram illustrating an example of a hardware configuration of the mobile phone device 100 which is a communication terminal device.

  2, the mobile phone device 100 includes a CPU 101, a ROM 102, a RAM 103, a camera unit 104, a wireless communication processing unit 105, an antenna unit 105a, an audio interface unit 106, a key operation unit 107, and an IC chip unit 108.

  The CPU 101 is a central processing unit that controls the overall operation of the mobile phone device 100. A ROM (Read Only Memory) 102 stores a control program for the CPU 101 to perform various control operations. The ROM 102 includes a program area 102a and a data area 102b, and a control program executed by the CPU 101 is stored in advance in the program area 102a. In the program area 102a, there is also an area for storing an application program executed by the CPU 101 in order to provide the mobile phone device 100 with a function described later.

  A RAM (Random Access Memory) 103 provides a temporary storage area for work that is used as necessary when the CPU 101 executes a control program. When the CPU 101 reads out the control program stored in the ROM 102 and starts executing the control program, the CPU 101 performs various control processes to be described later and provides various functions to be described later.

  The camera unit 104 performs processing for photographing a subject to be photographed. The camera unit 104 includes a lens and a light receiving unit (not shown). The wireless communication processing unit 105 outputs a high-frequency signal obtained by modulating a signal obtained by converting the audio data received by the audio interface unit 106 to the antenna unit 105a. The antenna unit 105a converts a high frequency signal into a radio wave and radiates it into the space, and receives a radio wave in the space and converts it into a high frequency signal. The audio interface unit 106 transfers the received data such as audio data to the wireless communication processing unit 105 and outputs the data transferred from the wireless communication processing unit 105. The key operation unit 107 is provided on the surface of the mobile phone device 100, and when a user (user) operates an input key such as a button switch, the operation data indicating the operation content is transferred to the CPU 101.

  The IC chip unit 108 is an electronic device unit capable of wireless communication, and includes a memory unit 108a and an antenna unit 108b. The memory unit 108a stores data related to the electronic wallet function. The antenna unit 108b communicates with a reader / writer 109 outside the mobile phone device that can read and write data in the IC chip unit.

  The mobile phone device 100 includes an electronic wallet management function as an additional function other than a call function, a mail function, a camera function, and an Internet function, which is realized by the control process executed by the hardware described above. This electronic wallet management function has a function of enabling cooperation between the payment agent application AD and the electronic money application in addition to the function of managing the deposit and withdrawal of electronic money.

In this embodiment, electronic money using an IC chip will be described as an example, but the electronic money function may be provided using another electronic device capable of wireless communication.
Furthermore, in this embodiment, a mobile phone device will be described as an example of a communication terminal device. However, a specific device is not limited to a mobile phone device, and a wireless communication function is installed and an application program can be automatically started. Any portable terminal may be used. Examples of such portable terminals include PDA (Personal Digital Assistants) and mobile personal computers.

  Next, FIG. 3 will be described. FIG. 3 is a diagram showing a functional configuration inside the program area 102a of the ROM 102 of the mobile phone device 100 shown in FIG. The cellular phone device 100 provides an electronic wallet function by each functional component in the program area 102a and the IC chip unit 108. In this embodiment, a payment agent service that can make payment in cooperation with various electronic money applications is further provided.

  As described above, the application area 201 for storing the application program exists in the program area 102a. The application area 201 stores an application program that provides an electronic money function executed by the CPU 101.

  Next, the function of the payment agent application (hereinafter, payment agent application) AD202 will be described. The resident application unit (hereinafter referred to as resident APL unit) 203 includes a balance control unit 203a and a settlement control unit 203b. The balance control unit 203a performs payment processing on behalf of the amount exceeding the amount payable by the linked electronic money application. The balance control unit 203a further transmits information indicating that the payment process has been completed. The settlement control unit 203b monitors the deposit process for the electronic money application, and performs the settlement process for the amount paid by the balance control unit 203a. The settlement control unit 203b also performs a process of transmitting the deposit amount after the settlement to the electronic money application server described later. The download control unit 204 executes and controls the download of the payment proxy application AD202, and stores the program of the payment proxy application AD202 in the application area 201. The application cooperation control unit (hereinafter referred to as APL control unit) 205 includes an application cooperation unit (hereinafter referred to as APL cooperation unit) 205a and an attribute type information rewriting unit (hereinafter referred to as rewriting unit) 205b. The APL linkage unit 205a performs linkage between the electronic money application and the payment agent application AD202. The rewriting unit 205b rewrites the attribute type information used for cooperation between the electronic money application and the payment agent application AD202. The APL control unit 205 encrypts and writes an analysis key including information indicating that the payment proxy application AD202 and the electronic money application are linked to a memory block described later. Details of the cooperation and rewriting process will be described later. The initial setting unit 206 initializes the payment proxy application AD202.

  In the application area 201, in addition to the payment proxy application AD202, an electronic money application AB207 and an electronic money application AE208 that provide an electronic money function are stored. In addition, an application management program (hereinafter referred to as APL management unit) 209 for monitoring communication between the IC chip unit 108 and the reader / writer 109 is also stored.

  These applications may have already been stored since the initial setting of the mobile phone device 100, or downloaded from the server (211 213 214) of the provider providing the service by each application through the network after the initial setting. May be. Here, 211 is a payment agent service provider server that provides a payment agent service by the payment agent application AD202. Reference numeral 213 denotes an electronic money service SB provider server that provides the electronic money service SB by the electronic money application AB207. Similarly, 214 is an electronic money service SE provider server that provides an electronic money service SE by the electronic money application AE208.

Note that the application functions described above are provided by the CPU 101 that executes the program.
Next, the IC chip unit 108 and the configuration related to application execution will be described.

  The memory unit 108a of the IC chip unit 108 is divided into a free area 108af and a common area 108ac. Further, the common area 108ac is divided into areas called areas, and the area is divided into blocks. An area code indicating service attribute type information is assigned to the area, and an area is assigned to each service that provides the electronic wallet function described above. The common area 108ac stores a plurality of electronic money services and payment agency service data as an electronic wallet function. Further, for example, as an electronic wallet function other than the electronic money service, data of a service for collecting points when shopping or a service for purchasing tickets such as movies and plays with electronic money may be stored.

Data in the memory unit 108a can be read and written by the reader / writer 109 or by the CPU 101 that controls application functions in the application area 201.
The antenna unit 108b communicates with the reader / writer 109. The I / O processing unit 210 is one of the components of the mobile phone device 100, and is an interface device that converts data that the antenna unit 108b communicates with the reader / writer 109 into a format that can be read by the mobile phone device 100.

  The IC chip management provider server 212 is a server of a provider that manages data of the IC chip unit 108 and communicates with the IC chip unit 108 via applications in the application area 201. The mobile carrier server 215 is a server of a business that provides services for the mobile phone device 100, and manages services such as calls and emails of the mobile phone device 100.

Here, with reference to FIG. 4, the initial setting process of the electronic money application and the process when the service is started will be described with reference to a flowchart.
First, in S401, the CPU 101 performs a process of confirming whether an electronic money application is installed in the mobile phone device 100. If not installed (in the case of N), the CPU 101 performs a process of downloading an electronic money application from the electronic money service provider server (213 or 214 in FIG. 3) via the Internet in S402, and proceeds to S403. move on. If it is installed (Y), the process proceeds to S403. Next, in S404, the CPU 101 performs processing for confirming with the user whether or not to agree with the application activation. When the user does not agree with the application activation (in the case of N), the CPU 101 interrupts the application activation process in S405 and ends. When the user agrees to activate the application in S404 (in the case of Y), the CPU 101 performs an application activation process and activates the application.

  Subsequently, in S406, the CPU 101 performs processing for selecting an electronic money payment method. In the case of the prepaid method, the CPU 101 does not perform any particular process and the service is started. If the user charges electronic money, the electronic money function can be used. In the case of the auto-payment prepaid method and the post-payment method, the CPU 101 performs processing for associating the electronic money application with information on a credit card for performing credit card payment. This process of associating data is hereinafter referred to as “linking”. As an example of this processing, any method well known to those skilled in the art can be used. When the association process between the electronic money application and the credit card is completed, the electronic money function can be used. In the checkout process, the total amount of the auto-charged amount is charged through the credit card company in the pre-payment method of the auto-charge, and the total amount of use is charged in the post-payment method. The settlement process can be executed using any conventionally used method.

  Next, FIG. 5 and FIG. 6 will be described. 5 and 6 show an example of setting and adding an application when starting an electronic money service, and an accompanying data structure of a memory block of the IC chip unit 108, taking an electronic money application as an example.

  Here, an application setting procedure and an application adding procedure will be described. The electronic money application AB207 used for the following description provides an electronic money service having both a prepaid method (prepaid) and a postpay method (postpay), and the electronic money application AE208 provides a postpaid electronic money service. Shall.

  Although not described as an embodiment, the payment method of the electronic money application to be set and added may be an auto-charge prepayment method. Furthermore, the combination of payment methods can be different or the same. In this embodiment, two types of electronic money apps are set. However, in order to provide a payment agency service described later, one or more types of electronic money apps may be set. Note that it is possible to add one or more types of electronic money application after the payment proxy application is set by the process described later, but in this embodiment, the electronic money application is set first. explain.

  Next, with reference to FIG. 5, the data structure of the application and the IC chip in the processing described in the flowchart of FIG. 4 will be described. FIG. 5 shows steps up to “service start” in FIG.

  First, in “S11. Link application and IC chip” in FIG. 5, the CPU 101 stores data of the electronic money service SB of the memory blocks Block1 and Block2 of the IC chip unit 108 and data of the electronic money application AB207 of the application area 201. To associate (link) with.

  Here, two memory blocks in the IC chip 108 are used, but the number of blocks to be used can be changed in accordance with the data amount of the electronic money service. In addition, when the electronic money service provider KB contracts with the IC chip management provider KIC, the data used for the electronic money service SB is contracted to use any of the common areas 108ac of the IC chip unit 108. An area code (attribute type information) indicating whether or not In addition to the area code, information such as the number of a memory block used in the IC chip unit 108, attribute information indicating service contents, a data holding format of the memory block, and an electronic money settlement format are also included. The attribute information is information indicating the type of service such as whether the application is an electronic money service or a point service. The electronic money settlement method refers to the type of settlement method, such as whether the payment of electronic money is subtraction of the prepaid method (subtraction from the charged amount) or addition of the postpay method (addition to the preset amount). Show.

  Next, “S12. PIN setting (security setting)” shows a data structure when processing is performed in S403 and S404 of FIG. The CPU 101 performs a process of writing PIN information indicating access restriction to the electronic money service SB and attribute information of the electronic money service SB in the IC chip unit 108. By performing this process, the electronic money application AB207 is initialized, and preparations for starting the electronic money service SB are completed.

  The next “S13. Service start” shows the data structure associated with the processing after S406 in FIG. When payment is made using the electronic money service SB, in the case of a prepaid method, as shown in S13-1, the communicating reader / writer 109 performs a process of writing the subtraction parse value into the memory block. On the other hand, in the case of the post-payment method, as shown in S13-2, the reader / writer 109 performs a process of writing the added parse value into the memory block. Here, the parse value is an integer of 0 or more.

  When the writing process is performed by the reader / writer 109, a certain amount of processing result is stored in the block as history information. History information exceeding a predetermined number set in advance is managed in a database (inside of 213 in FIG. 3) of the electronic money service provider KB. The electronic money function can be used by the processing and data structure described above.

  Next, FIG. 6 shows the data structure of the application area 201 and the memory part 108a of the IC chip part 108 when a new electronic money application AE208 is added to the mobile phone device 100 in which the electronic money application AB207 is already set. Is shown. The data structure of FIG. 6 is associated with the processing flow described with reference to FIG.

  First, in “S21. Addition of another application”, the CPU 101, as in S11 of FIG. 5, data of the electronic money service SE of the memory block Block3 of the IC chip unit 108 and data of the electronic money application AE208 of the application area 201 Perform the process of associating.

  Subsequently, in “S22. PIN setting (security setting) of another application”, the CPU 101, similar to the processing of S12 in FIG. 5, PIN information indicating access restriction to the electronic money service SE, and the electronic money service SE A process of writing the attribute information in the IC chip unit 108 is performed. By performing this process, the electronic money application AE208 is initialized, and preparations for starting the electronic money service SE are completed.

  The electronic money service SE is newly set by performing the processing of S21 and S22 in FIG. At this time, the already set electronic money service SB data and the newly added electronic money service SE data are stored in the IC chip unit 108 independently of each other. The process of associating data with the application data in the application area 201 is performed independently. Therefore, the electronic money service SB and the electronic money service SE maintain a state in which information is not linked (sparse relationship). Such a sparse relationship is an important element from the viewpoint of information protection.

  As described with reference to FIGS. 5 and 6, one or more electronic money applications can be stored in the application area 201. It is also possible to add one or more applications as if the electronic money application AE208 was added after setting the electronic money application AB207. Further, if there is a free space in the application area 201, it is possible to add two or more types, that is, an electronic money application different from the electronic money application AB207 and the electronic money application AE208. Even in this case, as described above, each electronic money service is managed in a sparse relationship.

  Next, FIG. 7 will be described. FIG. 7 is an image diagram of cooperation between the information of the payment agent application AD202 and the information of the electronic money service SB and the electronic money service SE realized in this embodiment. One payment proxy application AD202, the electronic money service SB, and the electronic money service SE are associated with each other separately. At this time, the sparse relationship is maintained between the electronic money service SB and the electronic money service SE as before the cooperation. The payment proxy application AD202 can individually perform payment for each of the linked electronic money services by such linkage.

Next, with reference to FIG. 8A to FIG. 8D, details of processing for implementing the payment proxy application AD202 and a data structure accompanying the processing will be described.
FIG. 8A and FIG. 8B are diagrams showing the flow of a payment proxy process in relation to each element for executing the payment proxy application AD202. The IC chip unit 108, payment agent service provider KD server (hereinafter referred to as payment agent service provider KD) 211, electronic money service SB server 213, electronic money service SE server 214, mobile carrier operator KK A server (hereinafter referred to as a mobile carrier operator KK) 215, and an IC chip management operator KIC server (hereinafter referred to as an IC chip management operator KIC) 212.
8C and 8D are diagrams showing the data structures of the application area 201 and the IC chip unit 108 in the processes from S803 to S807.

  The flow of processing will be described with reference to FIGS. 8A and 8B. First, the payment proxy service provider KD 211 makes an application for use of the IC chip common area 108ac to the IC chip manager KIC 212 in S801 as advance preparation for providing the service. The IC chip management company KIC 212 assigns the memory area (memory block) in the IC chip common area 108ac and the area code that is attribute type information to the payment proxy service provider KD 211.

  Next, in S802, the payment agent service provider KD 211 makes an application for use of the payment agent application AD202 to the carrier operator KK 215 of the mobile phone device 100 and receives approval. By performing S801 and S802, preparations for providing a payment proxy service are completed. Although not shown in the drawings, in these processes, data is exchanged via the server, and the data is stored in the database in the server.

Subsequently, the CPU 101 of the mobile phone device 100 performs an initial setting process (application activation) of the payment proxy application AD202 in S803 to S807.
The initial setting process from S803 to S807 is shown in a flowchart in FIG. 8E, and will be described in detail later.

  In the initial setting process, first, the CPU 101 performs a process of requesting the payment agent service provider KD 211 to download the payment agent application AD202 via the network. The CPU 101 performs processing (installation) for downloading the payment proxy application AD202 and storing it in the application area 201. S803 may not be performed when it is confirmed that the payment proxy application AD202 is preinstalled (S821 in FIG. 8E).

  Next, the CPU 101 performs initial setting of the payment proxy application AD202 (S823 in FIG. 8E). In step S804, the CPU 101 first formats the memory block of the IC chip 108 so that information can be written in accordance with the data holding format of the payment proxy application AD202. Next, the CPU 101 makes an application activation request to the payment agent service provider KD 211 in S805. Next, in S806, in response to the application activation request of S805, the payment agent service provider KD 211 performs serial authentication confirmation processing with the IC chip management provider KIC 212, and the authentication is completed from the IC chip management provider KIC 212. A response is made. The payment proxy application AD202 is activated by the processing of S806 (S824 in FIG. 8E).

  In step S807, the CPU 101 performs processing for writing PIN information indicating access restriction to the payment proxy service SD and attribute information of the payment proxy service SD in the memory block of the IC chip 108. At this time, the attribute information is written with the attribute that the payment agent service SD is electronic money. The CPU 101 receives the completion response from the IC chip 108, confirms that the writing process has been completed, and completes the password setting with the payment agent service provider KD 211, thereby initializing the payment agent application AD202. End the process.

  In this embodiment, the electronic money application AB207 and the electronic money application AE208 are already set before the setting of the payment proxy application AD202, but the electronic money application is set after the payment proxy application AD202 is set. Also good. Further, the cooperation processing described below can be executed regardless of the order of setting the payment proxy application AD202 and the electronic money application.

Subsequently, in S808 to S811 in FIG. 8B, the CPU 101 performs processing for linking the payment proxy application AD202 and the electronic money service SB.
First, in S808, the CPU 101 makes an application linkage request to the electronic money service SB server 214 via the payment agent service provider KD 211. In response to the request, the electronic money service SB server 214 returns cooperation information to the CPU 101. The linkage information includes an area code (attribute type information), a memory block number storing electronic money service SB data, attribute information, a data holding format, an electronic money service SB settlement format, and the like. . When the cooperation information is returned, the payment agent service provider KD 211 makes a request to read the information of the electronic money service SB written in the IC chip.

  Next, in S809, the CPU 101 performs a process of reading the information of the electronic money service SB written in the IC chip, and the information stored in the IC chip is read. Subsequently, in S810, the CPU 101 performs a process of writing the information of the electronic money service SB read in S809 into the blocks (Block3, Block4) in which the data of the payment proxy service SD is written. The CPU 101 may encrypt and write the analysis key, which is information such as the block number in which the information of the electronic money service SB is written, the format format in the block, the area code, and the electronic money settlement format. The analysis key also includes information indicating that the payment proxy application AD202 and the electronic money application AB207 are linked. Note that information indicating that Block 4 and Block 3 are also linked may be held as an analysis key. Thereafter, the CPU 101 receives a completion response from the IC chip 108 and confirms that the writing process has been completed.

  Next, in S811, the CPU 101 performs a process of writing information indicating that the payment proxy application AD202 and the electronic money service SB are linked into an area where the payment proxy application AD202 is stored. Next, in step S812, the CPU 101 sends an application cooperation completion request to the electronic money service SB server 214 via the payment agent service provider KD 211, and confirms the completion response. With the processing from S808 to S812, the cooperation between the payment agent application AD202 and the electronic money application AB207 is completed.

  Next, with reference to FIGS. 8C and 8D, a data structure associated with the processing of FIGS. 8A and 8B will be described. 8C, “S81. Link application ⇔ IC chip” and “S82. PIN setting (security setting)” indicate the data structure of application area 201 and IC chip 108 in accordance with the processing from S803 to S807 in FIG. 8A. Show.

  When the processing of S803 in FIG. 8A is performed, as shown in “S81. Application⇔Link IC chip”, data of payment agent service SD of memory blocks Block3 and Block4 of IC chip unit 108, and payment agent application AD202 Is associated with the data.

  Subsequently, the data structure resulting from the formatting performed in the process of S804 in FIG. 8A is shown in “S82. PIN setting (security setting)”. In the block, an analysis key, mutual use service attribute type information, information on whether the parse value is subtracted or added, a payment proxy value (total amount), an electronic money usage history, and the like are written as the electronic money settlement format. In this embodiment, two blocks 3 and 4 are used, but the number of blocks used for writing information can be changed according to the data amount of the payment proxy service SD.

  Next, by performing the processing of S807 of FIG. 8A, in “S82. PIN setting (security setting)”, PIN information indicating access restriction to the payment proxy service SD and attribute information of the payment proxy service SD are changed to IC It is written in the chip 108.

By creating the data structure as described above, the payment agent application AD202 is initialized, and preparations for starting the payment agent service SD are completed.
Next, the data structure in the application area 201 and the IC chip, which accompanies the processing from S808 to S812, will be described.

  In “S83. Service cooperation → Start service (mutual use)” in FIG. 8D, the analysis key and the attribute type information of the payment proxy service SD described above are written in Block3. Although the data is divided and stored in Blocks 3 and 4, the data may be stored in one block or may be stored in two or more blocks depending on the amount of information of the payment proxy service SD.

  Block 4 is formatted by the CPU 101 so that the parsing value (subtraction), the parsing value (addition), and the total amount of payment electronic money (payment proxy value) can be written. With such a format, the payment agent application AD202 can cooperate regardless of the payment method of the electronic money service to be linked regardless of the prepaid method or the postpay method, and can provide the payment agent service SD.

Next, FIG. 8E will be described. FIG. 8E is a flowchart showing an initial setting process (S803 to S807 in FIG. 8A) of the payment proxy application AD202.
First, in S821, the CPU 101 performs a process of confirming whether or not the payment agent application AD202 is preinstalled in the application area 201 of the mobile phone device 100. If pre-installed (in the case of Y), the process proceeds directly to the next step S823. If it is not preinstalled (in the case of N), in S822, the CPU 101 performs a process of downloading the payment proxy application AD202.

  Subsequently, in S823, the CPU 101 performs processing for executing the payment proxy application AD202. Next, in S824, the CPU 101 performs a process of confirming with the user whether or not it agrees to start the service of the payment proxy application AD202. The process of S824 is referred to as application activation. If the user agrees to activate the application (in the case of Y), in S825, the CPU 101 starts the service of the payment proxy application AD202 (activates the application), and the initial setting process ends. If the user does not agree to the application activation (in the case of N), in S826, the CPU 101 interrupts the initial setting process and ends the application activation.

  Even after the cooperation processing described with reference to FIGS. 8A to 8E is performed, a new electronic money application is additionally set as shown in FIG. 6, and the additionally set electronic money application and the payment agent application are set. It is also possible to link them.

  Next, FIGS. 9A to 9E will be described. FIG. 9A to FIG. 9E show processing steps for executing payment processing on behalf of the electronic money service SB when the payment proxy application AD202 is executed, and data structures associated with the processing.

  The payment proxy service SD is executed when the payment amount exceeds the charge balance of the electronic money service SB when the user tries to perform payment processing using the electronic money service SB.

  In general, in the prepaid electronic money service, when the amount required for payment exceeds the charge balance, payment cannot be made with the electronic money, and the service is temporarily stopped. In many cases, when the service is temporarily stopped, the service is restarted by charging again. However, the mobile phone device 100 including the payment proxy application AD202 can continue to perform payment processing even when a payment request exceeding the remaining amount is made.

  First, when making a payment with the electronic money service SB, the IC chip unit 108 communicates with the reader / writer 109 in S901. At this time, the CPU 101 monitors a signal due to communication between the IC chip unit 108 and the reader / writer 109.

  When the electronic money service SB is requested to exceed the amount of electronic money charged in advance, that is, when the electronic money service SB server 214 exceeds the range that can be processed (payable range), an error occurs. This error information is transmitted from the reader / writer 109 that has communicated with the IC chip unit 108. The CPU 101 monitors and receives error information returned from the reader / writer 109.

  Next, in steps S902 to S904, the CPU 101 performs processing to determine whether the error information is generated from the linked electronic money service SB. Specifically, a signal of error information transmitted from the reader / writer 109 is read in S902, and an electronic money service is specified from the content of the error information in S903. In this embodiment, the CPU 101 performs processing for specifying that an error has occurred in the electronic money service SB from the content of the error information.

  In step S904, the CPU 101 performs processing to determine whether the electronic money service SB is a service linked to the payment proxy application AD202. If it is determined that the service is a linked service, in S905, the CPU 101 issues a request to read information of the electronic money service SB stored in the IC chip 108 for which information has been written in S810 of FIG. 8B. When the IC chip 108 responds to the read request, the CPU 101 performs a process of reading information about the electronic money service SB into the application area 201 using the analysis key encrypted and written in S810. At this time, the application area 201 holds information such as the format format of the memory block of the electronic money service SB and area code (attribute type information).

  Next, in S906, the CPU 101 performs a process of rewriting the area code (attribute type information) of the payment proxy service SD written in the IC chip 108 with the area code of the electronic money service SB read in S905. For example, if the area code of the payment proxy service SD is “1005” and the area code of the electronic money service SB is “0002”, the CPU 101 temporarily changes the area code “1005” to the area code “0002”. To rewrite "". In S907, the CPU 101 issues a data rewrite request to the IC chip 108, and the rewritten area code is stored in the memory block (Block 3) in which the data of the payment proxy service SD of the IC chip 108 is stored. Perform the writing process.

  When the area code of the payment proxy service SD becomes the same as the area code of the electronic money service SB by the processing of S906 and S907, the reader / writer 109 recognizes the payment proxy service SD as the electronic money service SB. In this way, by rewriting the area code with the area code of the electronic money service to be substituted, the payment substitution service SD can perform payment processing on behalf of the electronic money service.

  Next, payment processing performed by the payment agent service SD on behalf of the electronic money service SB will be described. First, in S908, the CPU 101 activates the payment agent application AD202 and performs payment processing on behalf of the electronic money service SB. At this time, the payment proxy service provider KD 211 requests the IC chip management provider KIC 212 to continue using the electronic money service SB by the payment proxy service SD. The IC chip management company KIC 212 performs an authentication process for the payment agency service SD upon request, and the payment agency service provider KD 211 receives the authentication process and sends an OK response to the payment agency application AD202. .

  Subsequently, in S909, the CPU 101 performs processing for writing the usage information of the payment agent service processed in S908 into the memory block in which the information of the payment agent service SD is stored. For example, when the amount paid on behalf is 160 yen, “160” is written in the memory block of the IC chip as the parse value (subtraction), and the total amount of the payment proxy amount is overwritten. The writing process is completed by a completion response from the IC chip unit 108. Further, the IC chip unit 108 transmits to the reader / writer 109 that the payment process has been completed normally.

  As a result of the payment agent process described above, the payment process is performed even when the balance of the linked electronic money service is insufficient, so that the linked electronic money service can be continued.

  Note that the user can arbitrarily set an upper limit of the amount that can be paid by the payment agent application AD202. The CPU 101 can store the upper limit of the proxyable amount arbitrarily set by the user in the payment proxy application AD202. By setting an upper limit, it is possible to prevent endless payment processing. The CPU 101 performs control to stop the payment process when the total amount of the payment agent amount exceeds the set upper limit. It is not necessary to set the amount that can be paid.

  Subsequently, in S910, the CPU 101 transmits the usage status (usage record information) of the payment proxy service SD by performing the processing from S901 to S909 to the payment proxy service provider KD 211. Payment proxy service provider KD 211 makes an e-mail to the mobile carrier KK 215 via the communication network of the mobile carrier KK 215 by making an email transmission request to the mobile carrier KK 215 of the mobile phone device 100. Actual information may be transmitted. Note that the usage record information may include information on the content used, such as the name of an alternative service (electronic money management service SB in this embodiment), usage date and time, and usage amount. Note that S910 is an optional process and may or may not be executed.

  Next, with reference to FIG. 9C to FIG. 9E, the data structure in the application area 201 and the IC chip associated with the processing executed in S901 to S910 in FIG. 9A and FIG. 9B will be described. First, “S91. Payment proxy service use scene” in FIG. 9C is a data structure when error information communicates with the reader / writer 109 in S901 in FIG. 9A. The remaining balance (payable amount) of Block 1 storing the information of the electronic money service SB in the IC chip is “¥ 0”. This state is read out by the reader / writer 109, and error information including information indicating which block is in error is transmitted to the IC chip unit. At this time, the area code of the payment proxy service SD in the IC chip unit 108 is “1005”, that is, the area code of the payment proxy service SD as shown in Block 3. The payment agent application AD202 is in a dormant state.

  Next, “S92.” In FIG. 9D shows a state where the area code “1005” of the payment proxy service SD is rewritten to the area code “0002” of the electronic money service SB by the processing of S906 in FIG. 9A. . When the rewriting is completed, the payment proxy application AD202 becomes active through the processing of S908 in FIG. 9B. On the other hand, the electronic money application AB207 that provides the electronic money service SB enters a dormant state.

  Next, “S93.” In FIG. 9E shows a state in which the usage record information of the payment proxy service SD is written in the block of the IC chip unit 108. Since the electronic money service SB is a prepaid method, a payment proxy value is written in the top-level parse value (subtraction) column of Block4. In addition, the total amount of the payment agent amount obtained by adding the usage amount is overwritten in the column of the total amount of the payment agent value in the third row from the top of Block4. Furthermore, the date and time of payment proxy processing, the usage amount, and the name of the proxy application are written in Block 4 (fourth row from the top of Block 4 in this embodiment).

  Here, with reference to FIG. 10A, FIG. 10B, and FIG. 10C, the access pattern for reading / writing the information in the block of an IC chip is demonstrated. FIG. 10A shows four types of access patterns. 10B and 10C show how the access pattern is used in each process.

  First, four access patterns will be described with reference to FIG. 10A. The first is a random type and performs an operation of reading and writing an arbitrary block. The second is a cyclic type, which performs an operation of overwriting old data with new data. The third is a perspective type, which performs addition / subtraction and refund operations as numerical data. The fourth is a PIN type, which restricts access to service information with a password. The reader / writer 109 and the CPU 101 of the mobile phone device 100 use these four access patterns in accordance with the processing to be executed.

  Next, with reference to FIG. 10B, an example of using an access pattern in the electronic money application setting process described above with reference to FIG. 4 will be described. In the process of “S101. Link application ⇔ IC chip”, the electronic money service information written in the block of the IC chip unit 108 is read and written by the CPU 101 of the mobile phone device 100. When the reader / writer 109 and the IC chip unit 108 communicate with each other, information in the block is read and written by the reader / writer 109. At this time, the CPU 101 and the reader / writer 109 of the mobile phone device 100 access the specified block using a random type access pattern, and perform a process of reading and writing.

  When performing PIN setting processing in “S102. PIN setting processing (security setting)”, a PIN type access pattern is used. By using the PIN type, access control to the application can be restricted by password control, and security setting can be performed. A user can input a password via the key operation unit 107 of the mobile phone device 100. The CPU 101 manages attribute information using the set password as PIN information.

Next, with reference to FIG. 10C, an example of using an access pattern in the cooperation process between the payment proxy application AD202 and the electronic money service SB described above with reference to FIG. 8D will be described.
First, a cyclic pattern is used in the process of rewriting the area code of the payment agent service SD with the area code of the linked electronic money service SB. For example, a case where the electronic money service SB and the electronic money service SE are linked with the payment agent service SD will be described as an example. As shown in the “cyclic example” column on the right side of FIG. 10C, when the payment agent service SD performs the payment agent process of the electronic money service SB, the area code of the payment agent service SD in the block is an electronic code. Overwritten with money service SB area code.

  Subsequently, when performing the payment proxy process for the electronic money service SE, the area code of the electronic money service SB in the block is overwritten with the area code of the electronic money service SE. When the payment agent processing of the electronic money service SB is performed again, the area code of the electronic money service SE is overwritten with the area code of the electronic money service SB. By using the cyclic pattern, the area code of the payment agent service can be rewritten as needed to the area code of the electronic money service that the payment agent wants to pay.

  Next, the perspective type is used to write the payment agent amount that has been processed for payment. When the payment agent application AD202 performs the payment process on behalf of the electronic money service SB, as shown in “2. The charged fee of 150 yen is added as numerical data. Next, as shown in "3. Payment Agent Use with Electronic Money Service SE", when the payment agent application AD202 performs payment processing on behalf of the electronic money service SE, the fee of 300 yen charged for payment is expressed as numerical data. Are added. And the total amount of payment agent amount of 450 yen is written as numerical data. Here, it should be noted that the parse value processed as numerical data is a positive integer. As described above, the data in the IC chip 108 is managed by using four access patterns.

  Next, with reference to FIG. 11, FIG. 12A, and FIG. 12B, a settlement process for settlement of electronic money that has been paid for by the payment proxy service SD will be described. As one of the settlement methods, there is a method of performing settlement by charging electronic money to a prepaid electronic money service.

  Details of the settlement process will be described with reference to FIG. First, in S1101, electronic money is deposited by the user charging cash to the electronic money service SB. That is, the IC chip unit 108 communicates with the reader / writer 109, and numerical data of the charged amount is written in the IC chip unit 108. When charging is performed in this way, the CPU 101 monitors communication (payment processing) between the IC chip unit 108 and the reader / writer 109.

  Next, in S1102, the electronic money service SB server 213 inquires of the payment agent application AD202 about the amount of the payment agent process through the payment agent service provider KD server 211. In response to the inquiry, the CPU 101 performs processing for confirming information in the IC chip as to whether or not there is a payment agent amount for which the payment agent application AD202 has performed payment processing on behalf of the electronic money application AB207.

  Next, in S1103, the CPU 101 performs a process of reading information in the memory block of the IC chip unit 108, and the IC chip unit 108 responds with the result. Here, the result is data of the amount paid by the payment agent service SD on behalf of the electronic money service SB. The CPU 101 performs processing for determining the settlement amount of the electronic money service SB based on the response result data of the IC chip unit 108.

  Subsequently, in S1104, the CPU 101 performs a process of paying out the amount of money paid by the payment proxy application AD202. Here, the settlement process is a process of rewriting the payment proxy amount data in the IC chip unit 108. That is, the CPU 101 subtracts (subtracts) the total payment amount of the electronic money service SB written in the IC chip unit 108 from the charge amount, settles the payment amount, and pays the electronic money service SB. Process to rewrite the total amount of money.

  For example, if the total amount of payment agency is 150 yen and 3000 yen is charged, the total amount of payment agency is rewritten to “0” because the charge amount exceeds the total amount of payment agency. "2850" minus "150" is the balance. In addition, if the total amount of payment agent is 3150 yen and 3000 yen is charged, the charge amount is less than the total amount of payment agent, so the total amount of payment agent will be subtracted from “3150” to “3000” Will be rewritten to “150” and the balance will be “0”.

  When the process of writing data into the IC chip unit 108 is completed, the IC chip unit 108 transmits a completion response signal. The CPU 101 receives the signal from the IC chip unit 108 and transmits a signal including information indicating that the payment processing is completed to the payment agent service provider KD 211.

  Next, in S1105, the payment agent service provider KD 211 receives the completion response in S1104, settles the surrogate amount in the server, and calculates the remaining amount after subtracting the surrogate amount from the charged amount Perform the process. When the checkout process is performed, the electronic money service SB is charged with electronic money in an amount obtained by subtracting the payment agent amount from the charged amount. For example, if the total amount of payment is 150 yen and 3000 yen is charged, 2850 yen, which is 3000 yen minus 150 yen, is charged.

  Note that data of the electronic money service SB charged in this series of processing and other electronic money services that are not charged are managed in a sparse relationship with each other. Further, as shown in FIG. 7, the cooperation between the payment agent application AD202 and each electronic money application is independent of each other. Therefore, it is understood that even if the processing of S1101 to S1105 is performed between the payment proxy application AD202 and the electronic money application AB207, the data of other electronic money applications such as the electronic money application AE208 does not change. Let's go.

As another method of the settlement process, as shown in FIGS. 12A and 12B, there is a method in which the settlement process of the payment agent service is added to the settlement process of the usage fee of the mobile phone device 100.
First, in S1201 of FIG. 12A, the mobile carrier KK 215 makes an inquiry about the charge to the payment agent service provider KD 211 via the network in order to confirm the usage fee of the mobile phone device 100. At this time, the CPU 101 monitors a signal associated with the inquiry processing in S1201. Next, in S1202, the payment agent service provider KD 211 performs a process of confirming the unsettled amount of the payment amount that the payment agent application AD202 has processed on behalf of the payment agent application AD202. Send the payment amount. If there is no unpaid amount, the settlement process ends.

  In S1203, when the unsettled amount is returned to the mobile carrier operator KK 215, in S1204, the mobile carrier operator KK 215 adds the unsettled amount to the usage fee of the mobile phone device and provides the payment agency service provision business. By sending the settlement amount information to the user KD 211 and the payment agent application AD202, the user is charged for the unbilled amount. When the user who has been charged in S1205 makes a payment, a payment completion notification is sent from the mobile carrier operator KK 215 to the payment agent service provider KD 211 in S1207.

  Since the payment completion notification notified in S1206 is not notified to the IC chip management company KIC 212, the user needs to notify using the application provided in the mobile phone device 100. Therefore, a method for notifying the IC chip management company KIC 212 that the payment has been completed will be described. In this embodiment, a method using a one-time password will be described as an example, but other methods may be used.

  First, in S1207, the payment agent service provider KD 211 requests a one-time password (one-time cancel key) from the IC chip management provider KIC 212 and receives a response, that is, a cancel key. Next, in S1208, when the payment agent service provider KD 211 requests the mobile carrier operator KK 215 to send a one-time cancellation key mail, the one-time cancellation key mail is carried via the payment proxy application AD202. It is sent to the telephone device 100.

  Next, in step S1209, the user activates the payment proxy application AD202 and inputs a one-time cancel key using the key operation unit 107 of the mobile phone device 100. When the one-time cancel key is input, in S1210, the payment agent service provider KD 211 verifies the cancel key and performs processing to confirm whether the user is authorized.

  If it is confirmed that the key is a release key from the authorized user, the payment agent service provider KD 211 performs a process of transmitting a release confirmation response to the IC chip management provider KIC 212. In response to the cancellation confirmation response, the IC chip management business operator KIC 212 performs a process of transmitting an OK response to the payment proxy service provider KD 211. Then, the payment agent service provider KD 211 performs a process of transmitting an OK response to the payment agent application AD202.

  Subsequently, in S1211 of FIG. 12B, the CPU 101 performs a process of paying out the payment proxy amount stored in the IC chip 108. That is, a process of deleting the payment proxy amount written in the memory block is performed. When the settlement process of S1211 is performed, the IC chip 108 transmits a process completion response to the payment proxy application AD202, and the CPU 101 transmits a completion response to the payment proxy service provider KD211. As described above, by performing the processing from S1201 in FIG. 12A to S1211 in FIG. 12B, the settlement of the payment proxy amount is completed.

  Similarly to the processing in FIG. 11, the electronic money services and the payment agent application AD202 and the electronic money service are independent of each other, so that the processing from S1201 in FIG. 12A to S1211 in FIG. 12B is performed. The electronic money application AE208 is not processed.

  When the process described with reference to FIG. 8A to FIG. 12B is finished, the payment proxy process using the mobile phone device 100 including the payment proxy application AD202 is ended. The above-described payment proxy service SD is provided by the mobile phone device 100 provided with the payment proxy application AD202. With this payment agent service SD, it becomes possible to continue the payment processing of an arbitrary electronic money service linked with the payment agent application AD202 without being interrupted by a payment error such as a shortage of the remaining amount.

In addition, the following additional remarks are disclosed regarding all the embodiments described above.
(Appendix 1)
By writing the information including the attribute type information of the electronic money service provided by the electronic money application into the memory block storing the information including the attribute type information of the payment proxy service provided by the payment proxy application, the payment An APL linkage unit that links the proxy application and the electronic money application;
An APL management unit that determines whether the source of error information that requires an amount exceeding the payable range of the electronic money service is the linked electronic money application;
When it is determined that the source of the error information is the linked electronic money application, information on the electronic money service provided by the linked electronic money application is read from the memory block, and the memory block An attribute type information rewriting unit for rewriting the attribute type information of the payment agent service in the attribute type information of the read electronic money service;
By using the rewritten attribute type information of the payment agent service, instead of the linked electronic money application, the payment processing of the amount exceeding the payable range is executed, and the payment processing is normally completed. A balance control unit that transmits information indicating
A communication terminal device.
(Appendix 2)
The amount of money that has been subjected to the deposit processing when the payment processing of the electronic money to the linked electronic money application is monitored and there is a proxy amount paid on behalf of the payment proxy application at the time of the deposit processing The communication terminal device according to appendix 1, further comprising: a settlement control unit that subtracts from the settlement and transmits the settlement amount after the settlement to a server that manages the linked electronic money application.
(Appendix 3)
The communication terminal device according to appendix 1, wherein the APL management unit in the communication terminal device further includes a download control unit that stores information on the payment agent application in the application area.
(Appendix 4)
The APL linkage unit is characterized in that one payment agent application and one or more electronic money applications are linked separately.
The communication terminal device according to any one of supplementary notes 1 to 3.
(Appendix 5)
The settlement control unit monitors the settlement processing of the usage fee of the communication terminal device, and when there is a surrogate amount that is processed by the payment surrogate application at the time of the settlement processing, the surrogate amount is used as the utilization amount. The communication terminal device according to Appendix 2, wherein the communication terminal device is added to the amount of money.
(Appendix 6)
The APL management unit monitors communication between an electronic device unit capable of wireless communication of the communication terminal device and an external reader / writer capable of reading and writing information in the electronic device unit, and is transmitted from the external reader / writer It is characterized by receiving error information,
The communication terminal device according to attachment 1.
(Appendix 7)
The communication terminal according to claim 1, further comprising an APL control unit that encrypts and writes an analysis key including information indicating that the payment agent application and the electronic money application are linked to each other in the memory block. apparatus.
(Appendix 8)
By writing the information including the attribute type information of the electronic money service provided by the electronic money application into the memory block storing the information including the attribute type information of the payment proxy service provided by the payment proxy application, the payment Linking the proxy application with the electronic money application;
Determining whether the source of error information for which an amount exceeding the payable range of the electronic money service is required is the linked electronic money application;
When it is determined that the source of the error information is the linked electronic money application, information on the electronic money service provided by the linked electronic money application is read from the memory block, and the memory block Rewriting the attribute type information of the payment agent service in the attribute type information of the read electronic money service;
By using the rewritten attribute type information of the payment agent service, instead of the linked electronic money application, the payment processing of the amount exceeding the payable range is executed, and the payment processing is normally completed. Sending information indicating
A method comprising:
(Appendix 9)
By writing the information including the attribute type information of the electronic money service provided by the electronic money application into the memory block storing the information including the attribute type information of the payment proxy service provided by the payment proxy application, the payment Processing for coordinating the proxy application with the electronic money application;
A process of determining whether an error information source for which an amount exceeding the payable range of the electronic money service is requested is the linked electronic money application;
When it is determined that the source of the error information is the linked electronic money application, information on the electronic money service provided by the linked electronic money application is read from the memory block, and the memory block Rewriting the attribute type information of the payment agent service in the attribute type information of the read electronic money service;
By using the rewritten attribute type information of the payment agent service, instead of the linked electronic money application, the payment processing of the amount exceeding the payable range is executed, and the payment processing is normally completed. Processing to send information indicating
A program characterized by causing a computer to execute.

101 CPU
102 ROM
102a Program area
102b Data area
103 RAM
104 Camera section
105 Wireless communication processor
105a Antenna part
106 Audio interface section
107 Key operation section
108 IC chip
108a Memory section
108af free area
108ac common area
108b Antenna section
109 Reader / Writer
201 Application Area
202 Payment agency application AD
203 Resident App Department
203a Balance control section
203b Settlement control unit
204 Download controller
205 APL controller
205a APL Cooperation Department
205b Rewrite part
206 Initial setting section
207 Electronic Money Application AB
208 Electronic Money Application AE
209 APL Management Department
210 I / O processor
211 Payment proxy service provider KD server
212 IC chip management company KIC server
213 Electronic money service SB provider server
214 Electronic money service SE provider server

Claims (7)

By writing the information including the attribute type information of the electronic money service provided by the electronic money application into the memory block storing the information including the attribute type information of the payment proxy service provided by the payment proxy application, the payment An APL linkage unit that links the proxy application and the electronic money application;
An APL management unit that determines whether the source of error information that requires an amount exceeding the payable range of the electronic money service is the linked electronic money application;
When it is determined that the source of the error information is the linked electronic money application, information on the electronic money service provided by the linked electronic money application is read from the memory block, and the memory block An attribute type information rewriting unit for rewriting the attribute type information of the payment agent service in the attribute type information of the read electronic money service;
By using the rewritten attribute type information of the payment agent service, instead of the linked electronic money application, the payment processing of the amount exceeding the payable range is executed, and the payment processing is normally completed. A balance control unit that transmits information indicating
A communication terminal device.   The amount of money that has been subjected to the deposit processing when the payment processing of the electronic money to the linked electronic money application is monitored and there is a proxy amount paid on behalf of the payment proxy application at the time of the deposit processing The communication terminal device according to claim 1, further comprising a settlement control unit that subtracts from the settlement and transmits the settlement amount after the settlement to a server that manages the linked electronic money application. The APL linkage unit is characterized in that one payment agent application and one or more electronic money applications are linked separately.
The communication terminal device according to claim 1 or 2.   The settlement control unit monitors the settlement processing of the usage fee of the communication terminal device, and when there is a surrogate amount that is processed by the payment surrogate application at the time of the settlement processing, the surrogate amount is used as the utilization amount. The communication terminal device according to claim 2, wherein the communication terminal device is added to an amount of money.   The communication according to claim 1, further comprising an APL control unit that encrypts and writes an analysis key including information indicating that the payment agent application and the electronic money application cooperate with each other in the memory block. Terminal device. By writing the information including the attribute type information of the electronic money service provided by the electronic money application into the memory block storing the information including the attribute type information of the payment proxy service provided by the payment proxy application, the payment Linking the proxy application with the electronic money application;
Determining whether the source of error information for which an amount exceeding the payable range of the electronic money service is required is the linked electronic money application;
When it is determined that the source of the error information is the linked electronic money application, information on the electronic money service provided by the linked electronic money application is read from the memory block, and the memory block Rewriting the attribute type information of the payment agent service in the attribute type information of the read electronic money service;
By using the rewritten attribute type information of the payment agent service, instead of the linked electronic money application, the payment processing of the amount exceeding the payable range is executed, and the payment processing is normally completed. Sending information indicating
A method comprising: By writing the information including the attribute type information of the electronic money service provided by the electronic money application into the memory block storing the information including the attribute type information of the payment proxy service provided by the payment proxy application, the payment Processing for coordinating the proxy application with the electronic money application;
A process of determining whether an error information source for which an amount exceeding the payable range of the electronic money service is requested is the linked electronic money application;
When it is determined that the source of the error information is the linked electronic money application, information on the electronic money service provided by the linked electronic money application is read from the memory block, and the memory block Rewriting the attribute type information of the payment agent service in the attribute type information of the read electronic money service;
By using the rewritten attribute type information of the payment agent service, instead of the linked electronic money application, the payment processing of the amount exceeding the payable range is executed, and the payment processing is normally completed. Processing to send information indicating
A program characterized by causing a computer to execute.