JP5311612B2 - Payment device, payment method and payment program, and access device, access method and access program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To raise convenience of users when a plurality of applications for electronic money are incorporated in an IC chip. <P>SOLUTION: The plurality of electronic applications are incorporated in the IC chip arranged in a portable telephone 7 and an IC card 6. An electronic money terminal 8 performs access to the IC chip and searches the electronic money applications incorporated in the IC chip. After the electronic money applications are obtained, the electronic money terminal 8 reads the respective value balances, individually displays the value balances, and also displays the total money amount. Then, the electronic money terminal 8 sets priorities for performing settlement processing by the electronic money applications incorporated in the IC chip, and then, performs the settlement processing by successively performing access to the electronic money applications in the order of the priorities, so as to allow the total amount of the settlement money amounts to be a payment amount. <P>COPYRIGHT: (C)2009,JPO&amp;INPIT

Description

  The present invention relates to a settlement apparatus and a portable apparatus, and for example, relates to a settlement using a plurality of types of electronic money.

In recent years, a business to provide various services by incorporating an IC chip into a mobile phone or a resin card has become popular.
The IC chip is formed with a CPU, a memory, and the like, and an electronic money application (hereinafter referred to as an electronic money application) is incorporated in the IC chip and operated, whereby an electronic money function can be exhibited.

Electronic money services are provided for each electronic money business operator, such as services provided by Company A and services provided by Company B. In order to use the services provided by these electronic money business operators, It is necessary to incorporate an electronic money application provided by an electronic money business operator into an IC chip.
In view of this, an electronic money application of a plurality of electronic money providers is incorporated into an IC chip built in a mobile phone, and a plurality of types of electronic money are used with a single mobile phone.

As a technique for incorporating a plurality of applications into such an IC chip, there is an “IC card and electronic money deposit system” of the following Patent Document 1.
This technology incorporates an electronic money application and a credit card application in an IC chip, and gives credit to the user with a credit card application when the amount of money is insufficient for settlement with electronic money.
JP 2005-38446 A

When a plurality of electronic money applications are incorporated in an IC chip of a mobile phone, for example, a user uses electronic money as follows.
First, the mobile phone is placed close to the reader / writer of the electronic money terminal installed in the accounting area of the store.

Next, the electronic money terminal accesses the IC chip via the reader / writer by the operation of the person in charge at the store, and searches for an electronic money application incorporated in the IC chip.
A service code for identifying the application is set in the application embedded in the IC chip, and the electronic money terminal reads the service code in a process called service search and is embedded in the IC chip. Recognize electronic money apps.

The electronic money terminal makes a payment using a single electronic money application built into the IC chip, and when a plurality of electronic money applications are built in, the electronic money terminal is used as a display device. Display and accept an instruction as to which to use as follows.
That is, the person in charge inquires to the user, such as “Can you use the electronic money of Company A or Company B? Which one do you use?” And the user responds, such as “I will use Company A.” Operates the electronic money terminal and makes a payment with the electronic money of company A using the electronic money application of company A.

In the conventional electronic money terminal, the type of electronic money application incorporated in the IC chip could be displayed, but the balance amount of each electronic money application was not individually checked.
This is because the specifications of the electronic money application are different for each company, and there are a mixture of modules that activate dedicated modules for referring to balances and modules that do not require dedicated modules, and the control is complicated and requires processing time.
For this reason, even if a plurality of electronic money applications incorporated in the IC chip are displayed, the balance amount is unknown, and there is a problem that the user is unsure of which electronic money application to select.

  Therefore, an object of the present invention is to improve user convenience when a plurality of electronic money applications are incorporated in an IC chip.

In order to achieve the above object, according to the present invention, in the invention described in claim 1, electronic data representing the monetary value is settled by an application incorporated in an IC chip disposed in one housing. As a balance amount that can be used, the settlement of 1 is performed using a money terminal that performs settlement by reducing the stored balance amount, and a general-purpose command is stored in the storage area of the IC chip in which the application is formed. Is a settlement device in which a general-purpose area that can be accessed with a dedicated area and a dedicated area that is accessed with a dedicated module are formed, and each application embedded in one or a plurality of IC chips disposed in one housing A money terminal recognizing means for recognizing a plurality of money terminals, and a balance amount for acquiring the balance amount stored in the recognized money terminal from each of the money terminals. A balance area correspondence storage means for storing a balance area correspondence between the obtaining means, the type of money terminal, and the balance area corresponding to which area the balance amount is stored in, the balance amount The acquisition means acquires the balance amount from the general-purpose area in the case of a monetary terminal in which the balance amount is stored in the general-purpose area, and the dedicated module in the case of the monetary terminal in which the balance amount is stored in the exclusive-area. To obtain a balance amount, and the balance amount acquisition means determines whether or not to activate a dedicated module according to the balance area correspondence.
According to a second aspect of the present invention, there is provided the settlement apparatus according to the first aspect, further comprising a total amount presenting unit for presenting the total amount of the acquired balance amount.
3. The settlement apparatus according to claim 1, further comprising individual balance amount presentation means for presenting the acquired balance amount for each recognized money terminal. I will provide a.
In the invention according to claim 4, an identification code for identifying an application incorporated in the IC chip is stored in the storage area of the IC chip, and the money terminal recognition means The settlement apparatus according to claim 1, 2 or 3, wherein the money terminal is recognized by confirming an identification code.
In the invention according to claim 5, a payment amount input means for inputting a payment amount, and a reduction for reducing a monetary value amount from a plurality of the recognized money terminals so that a sum of reduction amounts becomes the input payment amount. A settlement apparatus according to any one of claims 1 to 4 is provided.
The invention according to claim 6 further comprises priority order storage means for storing the priority order of the money terminals to be settled, and the reduction means has a plurality of the recognized money terminals in accordance with the stored priority order. 6. The settlement apparatus according to claim 5, wherein the amount is reduced.
The invention according to claim 7 further comprises priority order acquisition means for acquiring the priority order of money terminals for settlement from the priority order storage means built in the housing, and the reduction means includes the acquired priority order. The payment apparatus according to claim 5, wherein an amount of money value is reduced from the plurality of money terminals.
In the invention according to claim 8, there is provided priority order specifying means for specifying the priority order of money terminals to be settled, and the reduction means obtains monetary value amounts from the plurality of money terminals according to the specified priority order. The settlement apparatus according to claim 5, wherein the payment is reduced.
In the invention according to claim 9, electronic data representing the monetary value amount is stored as a balance amount usable for settlement by an application incorporated in an IC chip disposed in one housing, and the stored Make a payment using a currency terminal that makes payment by reducing the amount of the balance. The storage area of the IC chip on which the application is formed includes a general-purpose area accessible by a general-purpose command and a dedicated module. A dedicated area for access, a money terminal recognition means for recognizing a plurality of money terminals by individual applications incorporated in one or a plurality of IC chips disposed in one housing, and the recognized money Balance amount acquisition means for acquiring the balance amount stored in the terminal from each of the money terminals, the type of the money terminal, and the balance amount is dedicated to the general-purpose area. Balance area correspondence storage means for storing the balance area correspondence with which area is stored, and the balance amount acquisition means stores the balance amount in the general purpose area. In the case of a money terminal, the balance amount is acquired from the general-purpose area, and in the case of a money terminal in which the balance amount is stored in the dedicated area, the balance amount is acquired by starting a dedicated module. There is provided a settlement method characterized by determining whether to activate a dedicated module according to the balance area correspondence of the area correspondence storage means.
In the invention according to claim 10, electronic data representing the monetary value amount is stored as a balance amount usable for settlement by an application incorporated in an IC chip disposed in one housing, and the stored Make a payment using a currency terminal that makes payment by reducing the amount of the balance. The storage area of the IC chip on which the application is formed includes a general-purpose area accessible by a general-purpose command and a dedicated module. In the payment apparatus in which a dedicated area to be accessed is formed, a money terminal recognition function for recognizing a plurality of money terminals by individual applications incorporated in one or a plurality of IC chips disposed in one housing; Balance amount acquisition function for acquiring the balance amount stored by the recognized money terminal from each of the money terminals, the type of money terminal, and the balance A balance area corresponding storage function for storing the balance area correspondence between the amount stored in the general-purpose area and the dedicated area, and the balance amount acquisition function stores the balance amount in the general-purpose area. In the case of a currency terminal that is used, the balance amount is acquired from the general-purpose area, and in the case of a currency terminal in which the balance amount is stored in the dedicated area, a dedicated module is activated to acquire the balance amount. There is provided a payment program for realizing a function and a function of determining whether or not to activate a dedicated module in accordance with the balance area correspondence of the balance area correspondence storage function in a settlement apparatus as a computer.
In the invention described in claim 11, means for storing a value balance indicating a balance of electronic money available for payment and means for outputting the stored value balance in response to a dedicated balance reference request input from the outside Value balance acquisition that is capable of accessing an IC chip having one or more electronic money function means each having the above and inputs a dedicated balance reference request to the corresponding one electronic money function means and acquires the value balance A plurality of electronic money modules each having means, means for holding a reference balance having the same amount as the stored value balance, and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside A reference balance for obtaining the reference balance by inputting a general-purpose balance reference request to the electronic money function means. And a balance acquisition means for acquiring a balance corresponding to each of the electronic money function means usable in the IC chip among the plurality of electronic money function means that can be respectively accepted by the plurality of electronic money modules. The balance acquisition means refers to correspondence information storing whether or not a reference balance corresponding to the electronic money function means is held for each electronic money function means corresponding to the plurality of electronic money modules, and From the electronic money function means that holds the reference balance, the reference balance acquisition means inputs the general balance reference request to the electronic money function means to acquire the reference balance, and holds the reference balance From the electronic money function means that is not to be performed, the validator included in the electronic money module corresponding to the electronic money function means -The balance acquisition means inputs the dedicated balance reference request to the electronic money function means and controls the electronic money module to acquire the value balance to acquire the value balance. An access device is provided.
In the invention described in claim 12, means for storing a value balance indicating a balance of electronic money available for payment and means for outputting the stored value balance in response to a dedicated balance reference request input from outside Value balance acquisition that is capable of accessing an IC chip having one or more electronic money function means each having the above and inputs a dedicated balance reference request to the corresponding one electronic money function means and acquires the value balance A plurality of electronic money modules each having means, means for holding a reference balance having the same amount as the stored value balance, and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside A reference balance for obtaining the reference balance by inputting a general-purpose balance reference request to the electronic money function means. And a balance acquisition unit for acquiring a balance corresponding to each of the electronic money function units usable in the IC chip among the plurality of electronic money function units that can be received by the plurality of electronic money modules. A method of accessing an IC chip by an access device, wherein the balance acquisition means holds a reference balance corresponding to the electronic money function means for each electronic money function means corresponding to each of the plurality of electronic money modules The electronic money function means that holds the reference balance by referring to the correspondence information that stores whether or not the reference balance acquisition means inputs the general-purpose balance reference request to the electronic money function means. The electronic money function means that obtains the reference balance and does not hold the reference balance receives the electronic money. The electronic money module is controlled so as to acquire the value balance by inputting the dedicated balance reference request to the electronic money function means from the value balance acquisition means included in the electronic money module corresponding to the function means. An access method characterized by acquiring a value balance is provided.
In the invention described in claim 13, means for storing a value balance indicating a balance of electronic money that can be used for payment and means for outputting the stored value balance in response to a dedicated balance reference request input from the outside Value balance acquisition that is capable of accessing an IC chip having one or more electronic money function means each having the above and inputs a dedicated balance reference request to the corresponding one electronic money function means and acquires the value balance A plurality of electronic money modules each having means, means for holding a reference balance having the same amount as the stored value balance, and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside A reference balance for obtaining the reference balance by inputting a general-purpose balance reference request to the electronic money function means. And a balance acquisition unit for acquiring a balance corresponding to each of the electronic money function units usable in the IC chip among the plurality of electronic money function units that can be received by the plurality of electronic money modules. In the computer constituting the access terminal, the balance acquisition unit stores, for each electronic money function unit corresponding to each of the plurality of electronic money modules, whether or not a reference balance corresponding to the electronic money function unit is held. From the electronic money function means that refers to correspondence information and holds the reference balance, the reference balance acquisition means inputs the general-purpose balance reference request to the electronic money function means to acquire the reference balance. From the electronic money function means that does not hold the reference balance, the electronic money function means The electronic money module is controlled so as to acquire the value balance by inputting the dedicated balance reference request from the value balance acquisition means of the corresponding electronic money module to the electronic money function means. Provide an access program that allows you to acquire and function.
In the invention described in claim 14, means for storing a value balance indicating a balance of electronic money that can be used for payment, and means for changing the stored value balance using dedicated balance change information input from outside. One or a plurality of electronic money functions each having means for holding a reference balance having the same amount as the stored value balance and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside A plurality of electronic money modules each having a balance change means that is accessible to an IC chip including the means and inputs dedicated balance change information to a corresponding one electronic money function means to change the value balance; A plurality of electronic money function means that can be received by the plurality of electronic money modules can be used in the IC chip. A confirmation means for confirming whether or not the electronic money function is available, and a general-purpose balance reference request for each of the electronic money function means confirmed to be usable in the IC chip by the confirmation means. There is provided a settlement apparatus comprising balance acquisition means for acquiring the reference balance corresponding to each means.
In the invention of claim 15 , when the balance changing means changes the balance, the reference balance so that the reference balance held in the means for holding the reference balance is the same as the value balance after the change. The payment apparatus according to claim 14 is provided.
According to a sixteenth aspect of the present invention, means for storing a value balance indicating a balance of electronic money that can be used for payment, and means for changing the stored value balance using dedicated balance change information input from outside One or a plurality of electronic money functions each having means for holding a reference balance having the same amount as the stored value balance and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside A plurality of electronic money modules each having a balance changing means for accessing a corresponding one electronic money function means and inputting dedicated balance change information to change the value balance. Is a method for accessing an IC chip by a settlement apparatus that can be accepted by each of the plurality of electronic money modules. A confirmation step for confirming whether or not a plurality of electronic money function means are usable in the IC chip; and for one or a plurality of electronic money function means confirmed to be usable in the IC chip in the confirmation step A balance acquisition step of inputting a general-purpose balance reference request and acquiring the reference balance corresponding to the electronic money function means, respectively, is provided.
In the invention of claim 17, means for storing a value balance indicating a balance of electronic money that can be used for payment, means for changing the stored value balance using dedicated balance change information input from outside One or a plurality of electronic money functions each having means for holding a reference balance having the same amount as the stored value balance and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside A plurality of electronic money modules each having a balance changing means for accessing a corresponding one electronic money function means and inputting dedicated balance change information to change the value balance. A plurality of electronic managers that can be received by the plurality of electronic money modules respectively on a computer constituting the settlement apparatus. A confirmation function for confirming whether or not the function means is usable in the IC chip, and a general-purpose balance reference for one or a plurality of electronic money function means confirmed to be usable in the IC chip by the confirmation function Provided is an access program for realizing a balance acquisition function for inputting a request and acquiring the reference balance corresponding to each electronic money function means.

  According to the present invention, when a plurality of applications for electronic money are incorporated in an IC chip, user convenience can be improved by individually acquiring these balances.

(1) Outline of Embodiments A plurality of electronic money applications are incorporated in an IC chip 12 (FIG. 3) disposed in a mobile phone 7 or an IC card 6 (FIG. 1). The electronic money application is an application that provides a function of performing payment using electronic money.
Each electronic money application can independently perform payment processing by value, and is normally used individually by the user specifying the electronic money application to be used each time payment is made.
On the other hand, the electronic money terminal 8 can perform one settlement process by combining a plurality of electronic money applications incorporated in the IC chip 12.

First, the electronic money terminal 8 accesses the IC chip 12 and searches for an electronic money application incorporated in the IC chip 12. This can be done by reading a service code attached to the electronic money application.
In this way, the electronic money terminal 8 individually grasps the electronic money application incorporated in the IC chip 12, and then accesses each electronic money application and reads each value balance as follows.

Since the configuration of the electronic money application is different for each electronic money business operator, the value balance can be read without using a dedicated electronic money module for each electronic money application. Are not readable, and the electronic money terminal 8 stores the electronic money applications and their correspondence in a table.
The electronic money terminal 8 reads the value balance without starting the electronic money module for the electronic money application that does not need to start the electronic money module, and the electronic money terminal 8 for the electronic money module that needs to start the electronic money module. Activate and read the module.
When the electronic money terminal 8 reads the value balance in this way, the electronic money terminal 8 individually displays the value balance for each electronic money application and also displays the total amount thereof.

Next, the electronic money terminal 8 sets a priority order for performing payment processing with the electronic money application incorporated in the IC chip 12, and in order of the priority order, the IC chip so that the sum of the payment amounts becomes the payment amount. 12 sequentially accesses the electronic money application incorporated in the terminal 12 and performs settlement processing.
The priorities are read and used by the electronic money terminal 8 when the user has set in advance on the IC chip 12, and are electronically stored in advance when the priority is not set on the IC chip 12. The priority set in the money terminal 8 is used. It is also possible for the user to check the priority order and change it before executing settlement.

(2) Details of Embodiment FIG. 1 is a diagram for explaining a configuration of an electronic money system 1 according to the present embodiment.
The electronic money system 1 includes a mobile phone 7, an IC card 6, an electronic money terminal 8, an A electronic money server 5a, a B electronic money server 5b, a C electronic money server 5c, and the like.

The mobile phone 7 incorporates a non-contact type IC chip and can be connected to the electronic money terminal 8 by short-range wireless communication.
Note that the IC chip may be of a contact type and connected to these terminals by contact of electrodes.
This IC chip incorporates (installs) three electronic money applications provided by electronic money business operators A, B, and C, A electronic money app, B electronic money app, and C electronic money app. By driving these individually, the electronic money card of company A, the electronic money card of company B, and the electronic money card of company C can be individually functioned.
Hereinafter, when the electronic money apps of these companies are not particularly distinguished, they are simply referred to as electronic money apps.

That is, the mobile phone 7 has the same function as that of the electronic money card provided by the companies A, B, and C.
Note that the IC chip built in the mobile phone 7 can be driven by the power supply of the mobile phone 7 or can be driven by the power supplied from the electronic money terminal 8 wirelessly.

Each electronic money application incorporated in the IC chip is, for example, a balance value of a monetary value called value, such as 5000 yen for A electronic money application, 2500 yen for B electronic money application, 3800 yen for C electronic money application, etc. Is stored as electronic data.
The IC chip can selectively drive each electronic money application according to a command from the electronic money terminal 8. For example, when a 500 yen payment is made with the A electronic money application, the IC chip is connected to the electronic money terminal 8. The A electronic money application is driven by a command from, and the value stored in the A application is reduced by 500 yen.

As described above, the IC chip selectively drives the electronic money application of each electronic money business operator according to a command from the electronic money terminal 8 and increases the value stored in the driven electronic money application by a specified amount. (Hereinafter referred to as charging) and reduction (hereinafter referred to as settlement).
The mobile phone 7 can be wirelessly connected to a communication network via a base station (not shown), and the A electronic money server 5a, the B electronic money server 5b, the C electronic money server 5c, and other server devices via the communication network. It is also possible to connect to.
For this reason, it is also possible to connect to a predetermined server via the communication network instead of the electronic money terminal 8 and drive the electronic money application according to a command from the server to perform charging or settlement.

In the present embodiment, as an example, it is assumed that electronic money apps of companies A, B, and C are incorporated in the IC chip. However, only one electronic money app of one company or more electronic money apps are incorporated. You can also do it.
In addition, the application to be incorporated into the IC chip is not limited to the electronic money application. For example, various applications such as an application that exhibits a credit card function, an application that exhibits a point card function, an application that displays an electronic book, an application that exhibits a game function, etc. Can be embedded.

The IC card 6 is a resin card or the like that incorporates the same IC chip as that provided in the mobile phone 7.
The IC chip of the IC card 6 is driven by electric power supplied wirelessly from the electronic money terminal 8, and the electronic money applications of A, B, and C companies are individually driven by instructions from the electronic money terminal 8 to You can charge and settle by app.
In the following, when there is no particular distinction between the IC chip incorporated in the mobile phone 7 and the IC chip incorporated in the IC card 6, it will be simply referred to as an IC chip depending on the case.

  As described above, the electronic money application uses electronic data (a monetary value) representing an amount of money by an application built in an IC chip (IC chip 12) disposed in one housing (the mobile phone 7 or the IC card 6). (Value) is stored as a balance amount (value balance) that can be used for payment, and the stored balance amount is reduced to function as a money terminal that performs payment (ie, realizes a money terminal function).

  In the present embodiment, a single IC chip 12 is mounted on the mobile phone 7 or the IC card 6, but a plurality of IC chips 12 that do not buffer each other may be arranged. It is.

  Member stores are stores (convenience stores, department stores, restaurants, other retail stores, commercial vehicles, other mobiles, etc.) that can be settled and charged with value using the mobile phone 7 or the mobile phone 7, and in the accounting area One or a plurality of electronic money terminals 8 are provided.

The electronic money terminal 8 is a terminal for accessing the IC chip of the mobile phone 7 or the IC card 6 by short-range wireless communication. For example, the electronic money terminal 8 is installed alone or is incorporated in an accounting device (register). is set up.
Alternatively, there are also installation forms such as installing an electronic money terminal 8 dedicated for charging in a plaza of a commercial facility, or incorporating an electronic money terminal 8 dedicated for payment into a vending machine and using it for payment at a vending machine.
In FIG. 1, only one member store and one electronic money terminal 8 are shown, but there are a plurality of such stores.

The IC chip stores an identification code called a service code for discriminating the type of embedded application. When the electronic money terminal 8 is connected to the IC chip, the service code is processed by a process called service search. Is detected, and an application embedded in the IC chip is detected, and which electronic money business operator's electronic money application is embedded in the IC chip is recognized.
As described above, the storage area of the IC chip 12 stores an identification code (service code) for identifying an application incorporated in the IC chip 12.

In this case, the electronic money terminal 8 can also read the value balance of each electronic money application and display the value balance of each electronic money application and the total amount of the balance on a display device such as a liquid crystal display.
Then, the electronic money terminal 8 can send a command to the IC chip, selectively drive the detected electronic money application, and perform a value balance inquiry and charge / settlement for the selected electronic money application.

  As described above, the electronic money terminal 8 includes a plurality of money terminals (electronic money applications) by individual applications incorporated in one or a plurality of IC chips disposed in one housing (the mobile phone 7 or the IC card 6). ) And a balance amount acquisition means for acquiring the balance amount (value balance) stored in the recognized money terminal from each money terminal.

And this money terminal recognition means recognizes each money terminal by confirming the identification code (service code) memorize | stored in the storage area of IC chip 12. FIG.
Furthermore, the electronic money terminal 8 includes total amount presenting means for presenting the total amount of balance amount (value balance) acquired from the electronic money application, and individual balance amount presenting means for presenting the balance amount for each recognized money terminal. I have.

The electronic money terminal 8 has a single application mode and a plurality of application modes in the operation mode. In the single application mode, similarly to the conventional electronic money terminal, the electronic money terminal 8 performs a payment process with one electronic money application designated by the user.
In the multi-app mode, when the electronic money terminal 8 receives the input of the user's payment amount from the person in charge, the electronic money terminal 8 selects the A, B, and C electronic money applications so that the total value payment amount becomes the payment amount. These memorized values are reduced.
As described above, the electronic money terminal 8 includes the payment amount input means for inputting the payment amount, and a plurality of money terminals (electronic money applications) recognized by the service code so that the sum of the reduction amounts becomes the input payment amount. A reduction means for reducing the monetary value is provided.

As a general usage mode, when a settlement is attempted in the single app mode, when a shortage of balance is confirmed, the person in charge confirms with the customer and performs settlement in the multiple app mode. Hereinafter, the operation in the multiple application mode will be described unless otherwise specified.
In the multi-application mode, the priority order of electronic money applications used for payment can be set. When the user sets the IC chip 12 in advance, when the electronic money terminal 8 sets, and when the payment is specified by the user There are cases.
Then, the electronic money terminal 8 reduces the value balance from each electronic money application in accordance with the set priority order.

  As described above, the electronic money terminal 8 includes a reduction means for reducing the amount of money value (value) from a plurality of money terminals (electronic money application) according to a predetermined priority. The predetermined priority is It can be stored in the electronic money terminal 8, acquired from the IC chip 12, or specified by the user.

  The electronic money terminal 8 stores processing such as charging and settlement performed by the IC chip as log data for each electronic money application, and, for example, performs processing such as A electronic money server 5a operated by each electronic money company by batch processing, The data is individually transmitted to the B electronic money server 5b and the C electronic money server 5c.

The A electronic money server 5a, the B electronic money server 5b, and the C electronic money server 5c are server devices operated by companies A, B, and C, respectively.
Hereinafter, when the electronic money server of each company is not particularly distinguished, it will be referred to as an electronic money server depending on the case.
These electronic money servers are connected to the electronic money terminal 8 via a communication network, have log data transmitted from the electronic money terminal 8, and store the log data to perform various types of information processing.
The log data includes ID information (hereinafter referred to as an electronic money function unit ID) set individually for the electronic money application accessed by the electronic money terminal 8, charge / settlement, processing amount, processing date and time, and the like. .

Also, the electronic money server can be connected to the mobile phone 7 or the IC chip of the IC card 6 via the communication network, and, like the electronic money terminal 8, activates the electronic money application to perform charging and settlement. You can also
In the case of an IC chip provided in the mobile phone 7, it can be connected to the electronic money server using the communication function of the mobile phone 7, and in the case of an IC chip provided in the IC card 6. For example, the connection is made through a user terminal such as a personal computer having a reader / writer and a communication network connection function.

FIG. 2 is a conceptual diagram showing an example of a functional configuration of the mobile phone 7.
The mobile phone 7 includes a telephone function unit 10 and an IC chip 12, and both are connected by an interface unit 11.
The IC chip 12 is an IC chip similar to the IC chip incorporated in the IC card 6, and an electronic money application is incorporated therein.
FIG. 2 shows a case where the A electronic money application is driven by the IC chip 12 and the electronic money function unit for electronic money of company A is formed on the IC chip 12.

The telephone function unit 10 has a call mode for performing a call and an application mode, and can be switched by a user operation.
The telephone function unit 10 includes a CPU and a storage unit that stores various application programs, and can execute various application functions by executing these application programs on the CPU in an application mode.

The A mobile application 15 a is formed by executing the A mobile application program by the CPU of the telephone function unit 10.
The A mobile application 15a can access both the A electronic money server 5a and the IC chip 12, and provides a function for the user to access the A electronic money application by operating the mobile phone 7, or the A electronic money server Communication between 5a and the IC chip 12 can be mediated.

  For example, the A mobile application 15a drives the A electronic money application by the user's operation and displays the balance of the value stored in the A electronic money application on the display of the mobile phone 7, or the A electronic money application The electronic money function unit ID can be read from the IC chip 12 and displayed on the display, and various functions for the user can be exhibited.

In addition, the A mobile application 15a drives the A electronic money application with the IC chip 12, receives various commands from the A electronic money server 5a, inputs them to the A electronic money application, and performs charging and settlement to the A electronic money application. Each processing can be performed.
In addition, when the electronic money server charges the electronic money application of the mobile phone 7, the price is collected from the user by credit settlement or the like.

  Although the A mobile application 15a has been described above, the telephone function unit 10 is similar to the B electronic money server 5b, the C electronic money server 5c, the B electronic money application, and the C electronic money application. A B mobile application 15b and a C mobile application 15c for processing are also incorporated, and the user can selectively activate these mobile applications.

The IC chip 12 is connected to the telephone function unit 10 by the interface unit 11.
For example, A, B, and C electronic money applications and other applications are incorporated in the IC chip 12.
For example, as shown in FIG. 2, when the A electronic money application is driven, a terminal communication unit 16, a value processing unit 17, an electronic money storage unit 18, and the like are formed in the IC chip.

The electronic money storage unit 18 stores an electronic money function unit ID, a value balance, usage log data, and the like.
The electronic money function unit ID is ID information uniquely assigned to the electronic money application, and the A electronic money server 5a can specify the A electronic money application incorporated in the IC chip by the electronic money function unit ID.

The value balance is the balance of the value currently stored for the electronic money service of the company A, and the electronic money application A has a settlement capability corresponding to this balance.
The usage log data is log data that records the processing content of communication with the electronic money terminal 8 or the like.

  The terminal communication unit 16 mediates communication between the electronic money terminal 8 and the value processing unit 17 such as receiving amount change information and other commands from the reader / writer unit 39 of the electronic money terminal 8 and inputting them to the value processing unit 17. To do.

The value processing unit 17 is an information processing unit that executes a command. Examples of the command include money amount change information, an ID reference command, and a balance reference command.
The amount change information is a command that causes the value processing unit 17 to increase or decrease the value balance stored in the electronic money storage unit 18 by the amount specified by the amount change information.
By executing the amount change information, the value processing unit 17 increases the value balance by the specified amount when charging, and decreases the value balance by the specified amount when paying.

The ID reference command is a command that causes the value processing unit 17 to read out the electronic money function unit ID. When the ID reference command is input, the value processing unit 17 obtains the electronic money function unit ID from the electronic money storage unit 18. Read and output.
The balance reference command is a command for causing the value processing unit 17 to read out the value balance. When the balance reference command is input, the value processing unit 17 reads out and outputs the value balance from the electronic money storage unit 18.

As described above, the electronic money terminal 8 can input various commands to the value processing unit 17 to increase or decrease the value balance, or read the electronic money function unit ID or the value balance.
Further, by connecting the A electronic money server 5a and the IC chip 12 using the A mobile application 15a, various commands are transmitted from the A electronic money server 5a, and the same processing as the electronic money terminal 8 is performed. Can also be done.

FIG. 3 is a block diagram showing an example of the hardware configuration of the IC chip 12.
The IC chip 12 includes a CPU (Central Processing Unit) 21, a high-frequency circuit 22, an antenna 26, a ROM (Read Only Memory) 23, a RAM (Random Access Memory) 24, an EEPROM (Electrically Erasable and Programmable ROM) 25, and the like. Yes.
These elements are formed on an IC chip. However, the antenna 26 is configured by an antenna extending around the IC chip 12, and an end thereof is connected to the IC chip.

The CPU 21 is a central processing unit that performs information processing according to various programs stored in the ROM 23 and the EEPROM 25.
The CPU 21 can perform short-range wireless communication with the electronic money terminal 8 via the antenna 26 and the high-frequency circuit 22, and is also connected to the telephone function unit 10 via the interface unit 11.

The antenna 26 is an antenna for performing short-distance wireless communication with an antenna built in the reader / writer unit 39 of the electronic money terminal 8.
The high frequency circuit 22 converts the high frequency transmitted from the reader / writer unit 39 to the antenna 26 into a digital signal and outputs it to the CPU 21, or conversely converts the digital signal output from the CPU 21 into a high frequency and converts the digital signal from the antenna 26 into the reader / writer. To the unit 39.

The RAM 24 is a readable / writable memory that provides a working memory when the CPU 21 performs information processing.
The RAM 24 can hold the stored contents while the power is supplied to the IC card 6, but the stored contents are lost when the power supply is stopped.
The ROM 23 is a read-only memory that stores basic programs, parameters, data, and the like for causing the IC card 6 to function.

The EEPROM 25 is a ROM capable of writing and erasing information. Information stored in the EEPROM 25 is maintained even when power is not supplied to the IC card 6.
The EEPROM 25 is divided into areas for each application. In the example of FIG. 3, A, B, and C electronic money applications are incorporated in these areas.

The CPU 21 can selectively operate these applications according to a command from the electronic money terminal 8.
The EEPROM 25 is also formed with a priority table in which the user sets the priority of electronic money applications used for payment. The priorities stored in this priority table are transmitted to the electronic money terminal 8 in response to a request from the electronic money terminal 8.

  As described above, the mobile phone 7 includes a housing (the housing of the mobile phone 7 in which the IC chip 12 is disposed) and one or a plurality of IC chips (IC chips 12 individually disposed in the housing). A plurality of IC chips 12 may be used as long as they can operate an electronic money application), and electronic data representing the monetary value is stored as a balance amount that can be used for settlement by each application embedded in the IC chip. A plurality of money terminals (electronic money application) that perform settlement by reducing the stored balance amount, a priority storage unit (priority table) that stores the priority order of the money terminals that perform settlement, and the storage It functions as a portable device provided with priority order providing means for providing the priority order to the settlement apparatus constituted by the electronic money terminal 8.

FIG. 4 is a diagram showing the configuration of the EEPROM 25 in more detail.
In the priority order table of the figure, for example, priorities are set in the order of A electronic money service, B electronic money service, and C electronic money service.
As a result, the electronic money terminal 8 performs settlement in the order of the A electronic money application, the B electronic money application, and the C electronic money application.
That is, when the value balance of the A electronic money application is less than the payment amount, the value balance of the B electronic money application is further used for settlement. If it is still less than the payment amount, the payment is further made using the value balance of the C electronic money application.

The storage area divided into the A electronic money application is further divided into a keyless area and a keyed area.
The keyless area is an area that can be referred to from the electronic money terminal 8 without using a dedicated module having a unique encryption key, and is an area that can be accessed by a general-purpose command for the IC chip 12.

On the other hand, the key there area is an area that needs to be accessed by a dedicated module having a unique encryption key.
For this reason, in the case of an electronic money application in which the value balance is stored in the keyless area, the electronic money terminal 8 refers to the value balance at high speed by a general-purpose command, and the value balance is stored in the dedicated area. In the case of an electronic money application, a dedicated module for the electronic money application is activated to refer to the balance.

  The keyless area has the advantage that it can be accessed from the electronic money terminal 8 at a high speed because it is not necessary to start a dedicated module, and the keyed area needs to be accessed using a dedicated module. There is an advantage that it can be secured.

  As described above, in the storage area (EEPROM 25) in which the electronic money application is formed, a general-purpose area (keyless area) accessible by a general-purpose command and a dedicated area (key-locked area) accessed by a dedicated module are formed. The balance amount acquisition means of the electronic money terminal 8 acquires the balance amount from the general-purpose area when the balance amount (value balance) is a money terminal (electronic money application) stored in the general-purpose area. In the case of a money terminal in which the balance amount is stored in the dedicated area, a dedicated module is activated to acquire the balance amount.

In the no-key area of the A electronic money application, a service code, a reference ID, and a reference balance are stored.
The service code is, for example, “A electronic money service”, and the electronic money terminal 8 can perform a service search for the A electronic money application with a general-purpose command.
The reference ID is the electronic money function unit ID (for example, 111) of the A electronic money application, and the reference balance is the value balance (for example, 30,000 yen) of the A electronic money application.

  The electronic money function unit ID and value balance used for processing electronic money are stored in the electronic money application storage unit accessed by a dedicated module, but the reference ID and reference balance can be obtained from the electronic money terminal 8 at high speed. These copies are stored in the keyless area so that the values can be read.

In the area with the key of the A electronic money application, an electronic money processing program is stored and an electronic money storage unit is formed.
When the electronic money processing program is executed by the CPU 21 of the IC chip 12 (FIG. 3), the value processing unit 17 (FIG. 2) and the terminal communication unit 16 are formed, and the electronic money storage unit is stored in the electronic money storage unit 18 (FIG. 2). Correspondingly, an electronic money function unit ID, a value balance, usage log data, and the like are stored.

On the other hand, the storage area divided into the B electronic money application is also divided into a keyed area and a keyless area, and a service code (B electronic money service) and a reference ID (222) are stored in the keyless area. In the keyed area, an electronic money processing program is stored and an electronic money storage unit is formed.
Therefore, regarding the B electronic money application, the electronic money function unit ID can be read without activating the dedicated module, but in order to read the value balance, it is necessary to activate the dedicated module and access the electronic money storage unit. .

As for the storage area classified into the C electronic money application, a service code (C electronic money service) is stored in the keyless area, and an electronic money processing program is stored in the keyed area. An electronic money storage unit is formed.
Therefore, for the C electronic money application, in order to confirm the electronic money function unit ID and the value balance, it is necessary to activate a dedicated module and access the electronic money storage unit.

As described above, each application has a keyless area and a keyed area, both of which store a service code in the keyless area and support service search.
In addition, the contents stored in the keyless area and the keyed area are determined by the specifications of each electronic money business operator.
The IC chip 12 of the mobile phone 7 has been described above, but the same applies to the IC chip 12 of the IC card 6. In the case of the IC chip 12 of the IC card 6, the antenna 26 (FIG. 3) receives radio waves emitted from the reader / writer unit 39 of the electronic money terminal 8 and generates power for driving the CPU 21.

FIG. 5 is a diagram for explaining an example of a hardware configuration of the electronic money terminal 8.
The electronic money terminal 8 includes a CPU 31, a ROM 33, a RAM 34, a communication control unit 35, a storage unit 36, an input unit 37, an output unit 38, a reader / writer unit 39, an A electronic money module 41, a B electronic money module 42, and a C electronic money module. 43 etc. are connected by a bus line.

In addition to performing information processing according to a predetermined program, the CPU 31 controls the entire electronic money terminal 8 or performs payment using the value balances of a plurality of electronic money applications incorporated in the IC chip 12.
The ROM 33 is a read-only memory that stores basic programs and parameters for operating the electronic money terminal 8.

The RAM 34 is a readable / writable memory that provides a working memory for the CPU 31 or loads and stores a program or data stored in the storage unit 36.
The communication control unit 35 is a connection device that connects the electronic money terminal 8 to the A electronic money server 5a, the B electronic money server 5b, the C electronic money server 5c, and the like via a communication network.

The input unit 37 has various input devices such as a keyboard, a barcode reader, and a touch panel, for example, and receives input from a person in charge at a store using these devices.
As a result, the person in charge or the like can operate the electronic money terminal 8 to charge or settle the IC chip 12.

The output unit 38 includes various output devices such as a display device such as a liquid crystal display and an audio output device, and outputs various information using these devices.
For example, the display device displays information necessary for the accounting process such as a payment amount, a list of electronic money applications incorporated in the IC chip 12, a value balance of each electronic money application, a total amount of value balance, and the like. Can be displayed.
In the audio output device, when a settlement is made or an error occurs, these are notified with sound effects.

The reader / writer unit 39 has a built-in antenna for wireless communication with the antenna 26 disposed on the IC chip 12.
An installation surface for installing the mobile phone 7 and the IC card 6 is formed at the antenna installation location of the reader / writer unit 39, and the mobile phone 7 and the IC card 6 are brought close to or in contact with the installation surface. The reader / writer unit 39 is connected to the IC chip 12 by wireless communication.

The A electronic money module 41 is a dedicated module for accessing the area where the A electronic money application of the IC chip 12 is formed, and the internal structure is concealed so that it cannot be analyzed from the outside.
The A electronic money module 41 has an encryption key for accessing the keyed area, and can access both the keyless area and the keyed area.
Then, the A electronic money module 41 receives a command from the CPU 31, operates the A electronic money application, causes the A electronic money application to perform charging or settlement, or refers to the electronic money function unit ID or the value balance. .
Similarly to the A electronic money module 41, the B electronic money module 42 and the C electronic money module 43 are dedicated modules for accessing the B electronic money application and the C electronic money application, respectively.

  The storage unit 36 includes, for example, a hard disk and other storage media, and a drive device that drives them, and includes a program storage unit 45 that stores various programs, a data storage unit 46 that stores data, and the like. .

  The program storage unit 45 includes an OS, which is a basic program for causing the electronic money terminal 8 to function, an A, B, C electronic money operation program, a multi-app control program, a key area table, a priority table, and the like. The program and data for operating the program are stored.

  The A electronic money operation program is a program for driving and operating the A electronic money module 41. Similarly, the B and C electronic money operation programs drive the B electronic money module 42 and the C electronic money module 43, respectively. It is a program for operating.

  The multi-application control program accesses and searches the electronic money application built in the IC chip 12 with a general-purpose command, or activates the A electronic money module 41, the B electronic money module 42, and the C electronic money module 43, This is a program that causes the CPU 31 to perform a function of accessing each electronic money application using these dedicated modules and causing charging and settlement.

The key area table is a table that lists whether information such as a balance of each electronic money application is stored in a keyless area or a keyed area.
For example, when the electronic money terminal 8 wants to refer to the value balance of a certain electronic money application, the electronic money terminal 8 immediately determines whether the value balance is in the keyless area or the keyed area by referring to the key area table. Can do.

Therefore, the electronic money terminal 8 can quickly determine whether it is necessary to activate a dedicated module (when it is in the keyed area) or not (when it is in the keyless area) in order to obtain the value balance. And the processing speed can be increased.
As described above, the electronic money terminal 8 has the type of money terminal (which electronic money application is used), the balance amount (value balance), which is a general-purpose area (no-key area) or a dedicated area (an area with a key). Balance area correspondence storage means (key area table) for storing the balance area correspondence with the balance area, and the balance amount acquisition means of the electronic money terminal 8 includes the balance area correspondence (key area). It is determined whether or not to activate the dedicated module according to the table.

The priority order table is a table in which priorities of electronic money applications used for settlement when a plurality of electronic money applications are incorporated in the IC chip 12 are set.
When the user has set the priority order table with the IC chip 12 (FIG. 3), the electronic money terminal 8 gives priority to the user priority order table.
As described above, the electronic money terminal 8 includes priority storage means (priority table) for storing the priority order of money terminals (electronic money application) for settlement, and the electronic money terminal 8 may select the priority according to circumstances. The amount of money value is reduced from a plurality of money terminals according to the ranking.

In the data storage unit 46, log data related to the processing performed with the electronic money application of the IC chip 12 is stored for each electronic money business.
The electronic money terminal 8 periodically or irregularly transmits the stored log data to the A electronic money server 5a, the B electronic money server 5b, and the C electronic money server 5c by batch processing or the like.

FIG. 6A is a diagram showing an example of the configuration of the priority order table stored in the program storage unit 45 (FIG. 5). Here, priorities are set in the order of A electronic money service, B electronic money service, and C electronic money service.
When the user does not set the priority order with the IC chip 12, the electronic money terminal 8 performs settlement with each electronic money application according to the priority order of this table.

  For example, when an A electronic money application, a B electronic money application, and a C electronic money application are incorporated in the IC chip 12, payment is made in this order, and the A electronic money application and the C electronic money application are incorporated in the IC chip 12. In the case where the electronic money application is A, the payment is made in the order of the A electronic money application and then the C electronic money application.

FIG. 6B is a diagram showing an example of the configuration of the key area table stored in the program storage unit 45 (FIG. 5).
In this example, whether the electronic money function unit ID and value balance of each electronic money application can be referred to in the keyless area or the keyed area is stored in association with the service code.

  For example, in the case of A electronic money service, since both the electronic money function unit ID and the value balance can be referred to in the keyless area, the electronic money terminal 8 does not drive the A electronic money module 41 from the IC chip 12. The electronic money function unit ID and value balance of the A electronic money application can be read.

In the case of the B electronic money service, the electronic money function unit ID can be referred to in the no-key area, and the value balance needs to refer to the key-equipped area. Therefore, the electronic money terminal 8 refers to the electronic money function part ID. In this case, the B electronic money module 42 can be referred to without being driven, and when the value balance is referred to, the B electronic money module 42 is driven for reference.
In the case of the C electronic money service, since it is necessary to refer to the keyed area in order to obtain the electronic money function unit ID and the value balance, the electronic money terminal 8 drives the C electronic money module 43 to set these values. Refer to

  As described above, when the electronic money terminal 8 acquires certain information (in this case, the electronic money function unit ID and value balance) of the electronic money application, whether the information exists in the keyless area or the keyed area. In the key area table to determine whether it is necessary to start the dedicated module.

FIG. 7 is a diagram showing an example of a payment confirmation screen.
The settlement confirmation screen is displayed on the display device of the electronic money terminal 8 when the IC chip 12 is settled in the multiple application mode.
This screen shows a case where A, B, and C electronic money applications are incorporated in the IC chip 12 and the balances are 500 yen, 800 yen, and 300 yen, respectively.

The payment confirmation screen includes an electronic money application display area 51, a priority display area 52, a money amount information display area 53, and the like.
In the electronic money application display area 51, a list of electronic money applications searched by the electronic money terminal 8 using the IC chip 12 is individually displayed together with individual value balances.
Accordingly, the user can grasp at a glance the individual balance of each electronic money application incorporated in the IC chip 12.

The priority order display area 52 displays the priority order of the electronic money application that settles the value.
This priority order is displayed when the priority order set by the user is set in the IC chip 12, and is set by the electronic money terminal 8 when the user does not set the priority order. The priority is displayed.

Thereby, the user can know which electronic money application is preferentially settled.
Further, a touch panel is formed on the surface of the display device, and when the user touches the display of the electronic money application in the electronic money application display area 51, the priority order can be reset in the order of the touch.

In the money amount information display area 53, the total amount and the payment amount of the value balance of each electronic money application are displayed.
Accordingly, the user can recognize the total value balance of each electronic money application incorporated in the IC chip 12, that is, the total amount of electronic money stored in the IC chip 12 and the payment amount. It is possible to recognize whether payment is possible with electronic money stored in the chip 12.

FIG. 8 is a flowchart for explaining a procedure for the electronic money terminal 8 to make a payment with the electronic money application of the IC chip 12 in the multiple application mode.
First, the user brings a product to the accounting area, and the accounting person inputs the payment amount to the electronic money terminal 8 by reading the product information with a barcode reader (step 5).

Next, the user installs the mobile phone 7 or the IC card 6 in the reader / writer unit 39, and the electronic money terminal 8 and the IC chip 12 are connected.
When the electronic money terminal 8 detects the IC chip 12, the electronic money application 8 searches for the electronic money application, and reads the type of the electronic money application incorporated in the IC chip 12 and the value balance of each electronic money application from the IC chip 12 ( Step 15).

Next, the electronic money terminal 8 calculates the total value balance of the electronic money application incorporated in the IC chip 12, and determines whether or not the total value balance is equal to or greater than the payment amount (step 25).
If the total value balance is less than the payment amount (step 25; N), the electronic money of the IC chip 12 is less than the payment amount, so the electronic money terminal 8 issues an error message and interrupts the processing.
In this case, for example, the user can select whether payment is made in cash or a combination of the value and cash of the electronic money application. Thereafter, the person in charge operates the electronic money terminal 8. Process according to the selection.

On the other hand, if the total value balance is equal to or greater than the payment amount (step 25; Y), the electronic money terminal 8 requests the IC chip 12 for priority (step 30).
When receiving the request, the IC chip 12 responds to the request (step 35). If the priority is set in the priority table, the IC chip 12 transmits the priority to the electronic money terminal 8, and the priority is set. If not, the fact is notified to the electronic money terminal 8.
In this way, the electronic money terminal 8 obtains the priority order of the money terminal (electronic money application) for settlement from the priority order storage means (priority order table) built in the housing (the mobile phone 7 or the IC card 6). Priority order acquisition means is provided.

Next, the electronic money terminal 8 determines the priority order for settlement with the electronic money application incorporated in the IC chip 12 (step 40).
This determination is made in the response of step 35 when the priority is obtained from the IC chip 12, and when the priority is not obtained from the IC chip 12, it is stored in its own storage unit 36. The priority order in the priority order table is adopted.

When the electronic money terminal 8 determines the priority order, the electronic money terminal 8 displays a settlement confirmation screen on the display device and asks the user to confirm the priority order (step 45).
When changing the priority order, the user touches the display device to change the priority order, and when the displayed priority order is acceptable, the user is informed to that effect.

After confirming the user's intention as described above, the person in charge causes the electronic money terminal 8 to execute a payment process by pressing a payment button provided in the electronic money terminal 8.
Then, the electronic money terminal 8 reduces the value balance of the electronic money application according to the designated priority and performs a settlement process (step 50).
As described above, the electronic money terminal 8 can settle the payment amount from the entire value balance of the electronic money application incorporated in the IC chip 12.

FIG. 9 is a flowchart for explaining the procedure of the electronic money application search process in step 15 (FIG. 8).
First, the electronic money terminal 8 requests the IC chip 12 to transmit a service code of an application incorporated in the IC chip 12 (step 60).
When receiving the request, the IC chip 12 transmits any service code of the applications incorporated in the IC chip 12 to the electronic money terminal 8 (step 65).

The electronic money terminal 8 stores the correspondence between the service code and the electronic money application. When the service code is received from the IC chip 12, the electronic money terminal 8 determines which electronic money application the service code belongs to (step). 70).
If the service code is not for the electronic money application (step 70; N), the electronic money terminal 8 proceeds to step 100.

If the service code belongs to any electronic money application (step 70; Y), the electronic money terminal 8 refers to the service code in the key area table (FIG. 6B), and It is determined whether or not the value balance can be referred to in the no-key area of the money application.
When it is necessary to access the keyed area to refer to the value balance (step 80; N), the electronic money terminal 8 activates the electronic money module of the electronic money application (step 85), and Using the money module, the IC chip 12 is requested for the value balance of the electronic money application (step 90).

  On the other hand, when the value balance of the electronic money application can be referred to in the keyless area (step 80; Y), the electronic money terminal 8 can execute a general command without starting the electronic money module of the electronic money application. A value balance is requested (step 90).

When the electronic money terminal 8 requests a value balance from the electronic money module, the IC chip 12 reads the value balance from the keyed area and transmits the value balance to the electronic money terminal 8, and the value balance without using the electronic money module. Is sent to the electronic money terminal 8 (step 95).
When the electronic money terminal 8 obtains the value balance from the electronic money application of the IC chip 12, the electronic money terminal 8 determines whether or not the service code has been confirmed for all the applications incorporated in the IC chip 12 (step 100).

When the service code is confirmed for all applications (step 100; Y), the electronic money terminal 8 ends the electronic money application search process, and there is an application for which the service code has not been confirmed yet. (Step 100; N), returning to Step 60, the electronic money application search process is continued.
Through the above processing, the electronic money terminal 8 can obtain the electronic money application incorporated in the IC chip 12 and the respective value balances stored therein.

FIG. 10 is a flowchart for explaining the procedure of the settlement process in step 50 (FIG. 8).
First, the electronic money terminal 8 distributes the payment amount to the electronic money application based on the priority order determined in step 40 (FIG. 8) (step 105).
Various methods can be used to distribute the payment amount. In this embodiment, the payment amount is distributed so that the value balance is used up in order of priority.

For example, priorities are set in the order of A electronic money application and B electronic money application, the value balance of A electronic money application is 300 yen, the value balance of B electronic money application is 200 yen, and the payment amount is 450 yen If there is, the electronic money terminal 8 distributes the payment amount as follows.
First, since the value balance of the A electronic money application is 300 yen and the payment amount is 450 yen, 300 yen of the payment amount is distributed to the A electronic money application, and the remaining 150 ( = 450-300).

After distributing the payment amount to the electronic money application as described above, the electronic money terminal 8 refers to the priority order (step 110), and specifies the electronic money application with the highest priority as a settlement target (step 115). .
Next, the electronic money terminal 8 activates the electronic money module of the electronic money application (step 120), and instructs the electronic money module to settle the payment amount allocated to the electronic money application.
Then, the electronic money module generates amount change information for the settlement and transmits it to the electronic money application of the IC chip 12 (step 125).

The electronic money application of the IC chip 12 executes the amount change information, performs a reduction process for reducing the amount of payment distributed from the value balance, and transmits a completion notification to the electronic money module (step 130).
When the electronic money module 8 receives the completion notification, the electronic money terminal 8 determines whether or not the payment has been completed (that is, whether or not all of the payment amount has been settled). 135; Y), the process is terminated.

On the other hand, when the settlement has not been completed (step 135; N), the electronic money terminal 8 returns to step 110.
When returning to the process of step 110, the electronic money terminal 8 refers to the priority order (step 110), and among the electronic money applications that have not yet been settled, the electronic money application that has the highest priority is the payment target electronic money application. (Step 115).

As described above, the electronic money terminal 8 can perform one settlement process by combining the value balances of a plurality of electronic money applications incorporated in the IC chip 12.
In this embodiment, the payment amount is distributed so that the value balance is used up from the electronic money application having a high priority, but other distribution methods can also be used.

For example, if the payment amount is 300 yen and there are three electronic money apps, the payment amount can be set to be distributed evenly, such as 100 yen is distributed to each electronic money application, or It is also possible to set the payment amount to be distributed at a predetermined ratio to the higher priority order.
Alternatively, the user can set and store the payment amount distribution method in the IC chip 12, and the electronic money terminal 8 can read this and distribute the payment amount accordingly.

In the above description, the case of accessing the IC chip 12 from the electronic money terminal 8 has been described. However, it is also possible to access the IC chip 12 from the server via the communication network and perform the same settlement process. .
For example, when the IC chip 12 is disposed in the mobile phone 7, the A electronic money server 5 a is accessed from the mobile phone 7, and the A electronic money server 5 a is incorporated into the IC chip 12 in the same manner as the electronic money terminal 8. Payment processing is performed using a combination of value balances of the electronic money application. In this case, the A electronic money server 5a includes an electronic money module of another company.

  When the IC chip 12 is disposed on the IC card 6, the reader / writer is provided, the IC card 6 is connected to a user terminal that can be connected to a communication network, and the IC chip 12 is used for settlement via the user terminal. Connect to the server.

The following effects can be obtained by the present embodiment described above.
(1) When a plurality of electronic money applications are incorporated, these value balances can be read individually and presented together with the total balance.
(2) When a plurality of electronic money applications are installed, it is possible to quickly determine whether or not to start a dedicated module for reading these value balances using the key area table. The reading process can be speeded up.
(3) When a plurality of electronic money applications are incorporated, one settlement process can be performed using a total value balance combining them.
(4) When making payment using a plurality of electronic money apps, the priority of electronic money apps used for payment can be set.
(5) Prior to the settlement with the value balance, the priority order is presented, and the user can confirm and change the priority order.

It is a figure for demonstrating the structure of an electronic money system. It is the conceptual diagram which showed an example of the functional structure of a mobile telephone. It is a figure for demonstrating the hardware-like structure of IC chip. It is the figure which showed the structure of EEPROM. It is a figure for demonstrating the hardware-like structure of an electronic money terminal. It is a figure showing composition, such as a priority table. It is the figure which showed an example of the payment confirmation screen. It is a flowchart for demonstrating the procedure settled with an electronic money application. It is a flowchart for demonstrating the procedure of an electronic money application search process. It is a flowchart for demonstrating the procedure of a payment process.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money system 5 Electronic money server 6 IC card 7 Mobile phone 8 Electronic money terminal 10 Telephone function part 11 Interface part 12 IC chip 16 Terminal communication part 17 Value processing part 18 Electronic money memory part 39 Reader / writer part

Claims (17)

Electronic data representing the monetary value amount is stored as a balance amount that can be used for settlement by an application incorporated in an IC chip disposed in one housing, and settlement is performed by reducing the stored balance amount. In the IC chip storage area where the application is formed, a general-purpose area accessible by a general-purpose command and a dedicated area accessed by a dedicated module are formed. A payment device,
A money terminal recognizing means for recognizing a plurality of money terminals by individual applications incorporated in one or a plurality of IC chips disposed in one housing;
Balance amount acquisition means for acquiring the balance amount stored by the recognized money terminal from each of the money terminals;
Balance area correspondence storage means for storing the balance area correspondence between the type of money terminal and the area where the balance amount is stored in the general-purpose area or the dedicated area,
In the case of a money terminal in which the balance amount is stored in the general-purpose area, the balance amount acquisition means acquires the balance amount from the general-purpose area, and in the case of a money terminal in which the balance amount is stored in the dedicated area, Launch a dedicated module to get the balance amount,
And the said balance amount acquisition means judges whether the exclusive module is started according to the said balance area | region correspondence, The payment apparatus characterized by the above-mentioned.   The settlement apparatus according to claim 1, further comprising a total amount presenting unit that presents a total amount of the acquired balance amount.   The settlement apparatus according to claim 1, further comprising individual balance amount presentation means for presenting the acquired balance amount for each recognized money terminal.   In the storage area of the IC chip, an identification code for identifying an application incorporated in the IC chip is stored, and the money terminal recognition means confirms the identification code in the storage area to confirm the money. 4. The settlement apparatus according to claim 1, wherein the settlement apparatus recognizes a terminal. Payment amount input means for entering the payment amount;
5. A reduction means for reducing the amount of money value from the plurality of recognized money terminals so that the total amount of reduction is the input payment amount. The settlement apparatus according to any one of claims. A priority order storage means for storing the priority order of money terminals for settlement;
6. The settlement apparatus according to claim 5, wherein the reduction means reduces the amount of money value from the plurality of recognized money terminals according to the stored priority order. Comprising priority order acquisition means for acquiring the priority order of money terminals for settlement from the priority storage means built in the housing;
6. The settlement apparatus according to claim 5, wherein the reduction means reduces the amount of money value from the plurality of money terminals in accordance with the acquired priority order. A priority order specifying means for specifying the priority order of money terminals for settlement;
6. The settlement apparatus according to claim 5, wherein the reduction means reduces the amount of money value from the plurality of money terminals in accordance with the designated priority order. Electronic data representing the monetary value amount is stored as a balance amount that can be used for settlement by an application incorporated in an IC chip disposed in one housing, and settlement is performed by reducing the stored balance amount. The payment area of the IC chip in which the application is formed by using the currency terminal to perform 1 is formed with a general-purpose area accessible by a general-purpose command and a dedicated area accessed by a dedicated module. ,
A money terminal recognizing means for recognizing a plurality of money terminals by individual applications incorporated in one or a plurality of IC chips disposed in one housing;
Balance amount acquisition means for acquiring the balance amount stored by the recognized money terminal from each of the money terminals;
In a settlement apparatus comprising a balance area correspondence storage means for storing a balance area correspondence between the type of money terminal and the balance area corresponding to whether the balance amount is stored in a general area or a dedicated area,
The balance amount acquisition means includes:
In the case of a money terminal whose balance amount is stored in the general-purpose area, the balance amount is acquired from the general-purpose area,
In the case of a money terminal whose balance amount is stored in a dedicated area, the balance amount is obtained by starting a dedicated module,
A settlement method characterized by determining whether or not to activate a dedicated module according to the balance area correspondence of the balance area correspondence storage means. Electronic data representing the monetary value amount is stored as a balance amount that can be used for settlement by an application incorporated in an IC chip disposed in one housing, and settlement is performed by reducing the stored balance amount. In the IC chip storage area where the application is formed, a general-purpose area accessible by a general-purpose command and a dedicated area accessed by a dedicated module are formed. In the payment device,
A money terminal recognition function for recognizing a plurality of money terminals by an individual application incorporated in one or a plurality of IC chips arranged in one housing;
A balance amount acquisition function for acquiring the balance amount stored in the recognized money terminal from each of the money terminals;
A balance area correspondence storage function for storing the balance area correspondence between the type of money terminal and the balance area in which the balance amount is stored in the general-purpose area or the dedicated area;
The balance amount acquisition function is
In the case of a money terminal in which the balance amount is stored in the general-purpose area, a function for acquiring the balance amount from the general-purpose area;
In the case of a money terminal in which the balance amount is stored in a dedicated area, a function to activate a dedicated module and obtain the balance amount;
A payment program for causing a payment apparatus, which is a computer, to realize whether or not to activate a dedicated module according to the balance area correspondence of the balance area correspondence storage function. Single or plural electronic devices each having means for storing a value balance indicating the balance of electronic money available for payment and means for outputting the stored value balance in response to a dedicated balance reference request input from the outside An IC chip having a money function means is accessible;
A plurality of electronic money modules each having value balance acquisition means for inputting a dedicated balance reference request to one corresponding electronic money function means and acquiring the value balance;
The electronic money function means further comprising: means for holding a reference balance having the same amount as the stored value balance; and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside. A reference balance acquisition means for inputting a general-purpose balance reference request and acquiring the reference balance;
Balance acquisition means for acquiring balances respectively corresponding to electronic money function means usable in the IC chip among a plurality of electronic money function means that can be respectively accepted by the plurality of electronic money modules,
The balance acquisition means refers to correspondence information storing whether or not a reference balance corresponding to the electronic money function means is held for each electronic money function means corresponding to each of the plurality of electronic money modules, and the reference From the electronic money function means that holds the balance, the reference balance acquisition means inputs the general-purpose balance reference request to the electronic money function means to acquire the reference balance, and does not hold the reference balance From the electronic money function means, the value balance is obtained by inputting the dedicated balance reference request to the electronic money function means from the value balance acquisition means included in the electronic money module corresponding to the electronic money function means. To control the electronic money module to acquire the value balance,
An access device. Single or plural electronic devices each having means for storing a value balance indicating the balance of electronic money available for payment and means for outputting the stored value balance in response to a dedicated balance reference request input from the outside An IC chip having a money function means is accessible;
A plurality of electronic money modules each having value balance acquisition means for inputting a dedicated balance reference request to one corresponding electronic money function means and acquiring the value balance;
The electronic money function means further comprising: means for holding a reference balance having the same amount as the stored value balance; and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside. A reference balance acquisition means for inputting a general-purpose balance reference request and acquiring the reference balance;
IC with an access device comprising: balance acquisition means for acquiring a balance corresponding to each of the electronic money function means usable in the IC chip among the plurality of electronic money function means each accepted by the plurality of electronic money modules A method for accessing a chip,
The balance acquisition means refers to correspondence information storing whether or not a reference balance corresponding to the electronic money function means is held for each electronic money function means corresponding to each of the plurality of electronic money modules, and the reference From the electronic money function means to hold the balance, the reference balance acquisition means inputs the general-purpose balance reference request to the electronic money function means to acquire the reference balance,
From the electronic money function means not holding the reference balance, the dedicated balance reference request is sent from the value balance acquisition means of the electronic money module corresponding to the electronic money function means to the electronic money function means. Controlling the electronic money module to input and acquire the value balance to acquire the value balance;
An access method characterized by that. Single or plural electronic devices each having means for storing a value balance indicating the balance of electronic money available for payment and means for outputting the stored value balance in response to a dedicated balance reference request input from the outside An IC chip having a money function means is accessible;
A plurality of electronic money modules each having value balance acquisition means for inputting a dedicated balance reference request to one corresponding electronic money function means and acquiring the value balance;
The electronic money function means further comprising: means for holding a reference balance having the same amount as the stored value balance; and means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside. A reference balance acquisition means for inputting a general-purpose balance reference request and acquiring the reference balance;
A balance acquisition unit configured to acquire a balance corresponding to each of the electronic money function units usable in the IC chip among the plurality of electronic money function units that can be received by the plurality of electronic money modules; In the computer that
The balance acquisition means refers to correspondence information storing whether or not a reference balance corresponding to the electronic money function means is held for each electronic money function means corresponding to each of the plurality of electronic money modules,
From the electronic money function means to hold the reference balance, the reference balance acquisition means inputs the general balance reference request to the electronic money function means to acquire the reference balance,
From the electronic money function means not holding the reference balance, the dedicated balance reference request is sent from the value balance acquisition means of the electronic money module corresponding to the electronic money function means to the electronic money function means. An access program that functions to acquire the value balance by controlling the electronic money module to input and acquire the value balance. Means for storing a value balance indicating a balance of electronic money available for payment, means for changing the stored value balance using dedicated balance change information input from the outside, and the same amount as the stored value balance An IC chip having one or a plurality of electronic money function means each having a means for holding a reference balance and a means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside Is possible,
A plurality of electronic money modules each having balance change means for inputting the dedicated balance change information to the corresponding one electronic money function means and changing the value balance;
Confirmation means for confirming whether or not a plurality of electronic money function means that can be received by the plurality of electronic money modules can be used in the IC chip;
A balance for inputting a general-purpose balance reference request to one or a plurality of electronic money function means confirmed to be usable in the IC chip by the confirmation means, and acquiring the reference balance corresponding to the electronic money function means, respectively. Acquisition means;
A settlement apparatus. When the balance changing means changes the value balance, the reference balance is updated so that the reference balance held in the means for holding the reference balance is the same as the changed value balance. The settlement apparatus according to claim 14 . Means for storing a value balance indicating a balance of electronic money available for payment, means for changing the stored value balance using dedicated balance change information input from the outside, and the same amount as the stored value balance An IC chip having one or a plurality of electronic money function means each having a means for holding a reference balance and a means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside Is possible,
A method of accessing an IC chip by a payment apparatus having a plurality of electronic money modules each having balance changing means for inputting dedicated balance change information to one corresponding electronic money function means and changing the value balance. And
A confirmation step of confirming whether or not a plurality of electronic money function means that can be respectively accepted by the plurality of electronic money modules are available in the IC chip;
Balance for obtaining a reference balance corresponding to each of the electronic money function means by inputting a general balance reference request to one or a plurality of electronic money function means confirmed to be usable in the IC chip in the confirmation step. An acquisition step;
Including access method. Means for storing a value balance indicating a balance of electronic money available for payment, means for changing the stored value balance using dedicated balance change information input from the outside, and the same amount as the stored value balance An IC chip having one or a plurality of electronic money function means each having a means for holding a reference balance and a means for outputting the held reference balance in response to a general-purpose balance reference request input from the outside Is possible,
A computer constituting a payment apparatus including a plurality of electronic money modules each having balance change means for changing the value balance by inputting dedicated balance change information to one corresponding electronic money function means,
A confirmation function for confirming whether or not a plurality of electronic money function means that can be respectively accepted by the plurality of electronic money modules are available in the IC chip;
A balance in which a general-purpose balance reference request is input to one or a plurality of electronic money function means confirmed to be usable in the IC chip by the confirmation function, and the reference balance corresponding to each electronic money function means is acquired. Acquisition function,
Access program that realizes.

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