JP5476090B2 - Mobile communication terminal, communication system, and communication method - Google Patents

Description

  The present invention relates to a mobile communication terminal, a communication system, and a communication method for communicating with a terminal and transmitting / receiving information.

  In recent years, mobile phones include mobile communication terminals having a function called a so-called Osaifu-Keitai. This portable communication terminal has a non-contact type IC card, and exchanges billing information by communicating between the non-contact type IC card and a dedicated device.

  For example, Patent Literature 1 includes a first communication unit that performs transmission and reception via a network, a second communication unit that communicates with a communication device and can receive data, communication device information about the communication device, and information. When the communication device and the second communication unit communicate with each other, a storage unit that stores transmission destination information indicating a transmission destination to be transmitted, and information including at least a part of data received from the communication device And a control unit that controls to transmit using one communication unit.

JP 2007-181217 A

  Here, since communication using a non-contact type IC card needs to be performed at a short distance, the security can be maintained high, but the communication speed is slow. Therefore, if various types of information are transmitted and received in addition to the charge information, the communication time becomes long.

  In addition, in the system described in Patent Document 1, information is acquired by transmitting information received from a communication device through network communication by communication with a communication device using a non-contact IC card or the like. Various information needs to be transmitted / received by communication using a non-contact type IC card or the like, and this method has a problem that the amount of information to be exchanged increases.

  The present invention has been made in view of the above, and an object of the present invention is to provide a mobile communication terminal, a communication system, and a communication method capable of transmitting and receiving information in a short time while maintaining high security. .

In order to solve the above-described problems and achieve the object, the present invention is a mobile communication terminal that communicates with a terminal that can withdraw cash, and a first communication unit that performs NFC communication with the terminal When the extraction information related to the extraction process from the terminal have a, a control section that sends to the terminal, a predetermined amount based on the extraction information transmitted to the terminal, the charge by the NFC communication from the terminal Is done.

In addition, the second communication unit that communicates with the terminal at a communication speed faster than the NFC communication, the first data that requires security among the withdrawal information, and the security that is more secure than the first data among the withdrawal information. A storage unit that stores second data with a low required degree, and the control unit transmits the first data from the first communication unit to the terminal when transmitting the withdrawal information to the terminal. In addition, it is preferable that the second data is transmitted from the second communication unit to the terminal .

Further, the terminal is an automatic teller machine, the storage unit stores transfer information related to a transfer process using the terminal, and the first communication unit and the second communication unit include the transfer information. It is preferable to transmit both the withdrawal information and the withdrawal information to the automatic teller machine.

The first communication unit and the second communication unit preferably transmit a plurality of transfer information together.

It is preferable to have an input unit for inputting the transfer information and the withdrawal information .

Further, the control unit, after at least one of transmission of the transfer information and the leading information, it is preferable to remove the transmitted information from the storage unit.

The first communication unit and the second communication unit preferably receive information related to the withdrawal process or the transfer process that could not be executed by the automatic teller machine, and store the information in the storage unit. .

  In order to solve the above-described problems and achieve the object, the present invention is a communication system, the mobile communication terminal according to any one of the above, and a third communication unit that performs NFC communication with the first communication unit And a terminal having a fourth communication unit for communicating with the second communication unit.

In order to solve the above-described problems and achieve the object, the present invention is a communication method for performing communication between a mobile communication terminal and another terminal that can withdraw cash, and the mobile communication terminal includes: The withdrawal information relating to the withdrawal process from the terminal is transmitted to the terminal, and the terminal charges a predetermined amount based on the withdrawal information to the portable communication terminal by the NFC communication .
In order to solve the above-described problems and achieve the object, the present invention provides a mobile communication terminal that communicates with a terminal having a communication function, the first communication unit that performs NFC communication with the terminal, A second communication unit that communicates with the terminal at a communication speed faster than the NFC communication, a storage unit that stores first data with a higher security level, and second data with a lower security level than the first data; A control unit that transmits the first data from the first communication unit to the terminal and transmits the second data from the second communication unit to the terminal during communication with the terminal; The control unit stores both the transfer information related to the transfer process using the terminal and the withdrawal information related to the process of withdrawing money from the terminal before the communication with the terminal. If The first data in both the transfer information and the withdrawal information is transmitted to the terminal by the first communication unit, and the second data in both the transfer information and the withdrawal information is sent to the second It transmits to the said terminal by a communication part, It is characterized by the above-mentioned.

  The mobile communication terminal, the communication system, and the communication method according to the present invention have an effect that information can be transmitted and received in a short time while maintaining high security.

FIG. 1 is a front view showing a schematic configuration of an embodiment of a communication system of the present invention. FIG. 2 is a front view of the mobile communication terminal shown in FIG. FIG. 3 is a block diagram showing a schematic configuration of functions of the communication system shown in FIG. FIG. 4 is a flowchart showing an example of processing operation of the mobile communication terminal. FIG. 5 is a flowchart showing an example of the processing operation of the mobile communication terminal. FIG. 6 is a flowchart showing an example of processing operation of the mobile communication terminal. FIG. 7 is a flowchart showing an example of the processing operation of the automatic teller machine.

  Hereinafter, the present invention will be described in detail with reference to the drawings. The present invention is not limited to the following description. In addition, constituent elements in the following description include those that can be easily assumed by those skilled in the art, those that are substantially the same, and those in a so-called equivalent range. In the following, the communication system is composed of a mobile communication terminal and an automated teller machine (hereinafter referred to as “ATM”). However, devices that communicate with the mobile communication terminal are not limited to ATMs, and are portable. Various devices that can communicate with the communication terminal can be used. In the following, a mobile phone will be described as an example of a mobile communication terminal. However, the application target of the present invention is not limited to a mobile phone. For example, a PHS (Personal Handyphone System), a PDA, a portable navigation device, The present invention can also be applied to game machines, cards with display devices, and the like.

  FIG. 1 is a front view showing a schematic configuration of an embodiment of a communication system of the present invention. 2 is a front view of the mobile communication terminal shown in FIG. 1, and FIG. 3 is a block diagram showing a schematic configuration of functions of the communication system shown in FIG. As shown in FIG. 1, the communication system 100 includes a mobile communication terminal 1 and an ATM 50. The communication system 100 communicates between the mobile communication terminal 1 and the ATM 50 to exchange information. The ATM 50 includes a short-range wireless communication unit 54, a cash transfer unit 60, and a display unit 62. The ATM 50 configuration will be described in detail later. The communication system 100 also includes a host computer 70 and a server 80 (see FIG. 3), which will be described later.

  The mobile communication terminal 1 is a mobile phone having a wireless communication function. First, the configuration of the mobile communication terminal will be described. The mobile communication terminal 1 is a foldable mobile phone in which a housing 1C can be opened and closed by a first housing 1CA and a second housing 1CB. 1 and 2 show a state in which the mobile communication terminal 1 is opened.

  The first housing 1CA is provided with a main display 2M shown in FIG. 1 as a display unit. The main display 2M displays, as a predetermined image, a standby image when the mobile communication terminal 1 is waiting for reception, or a menu image used to assist the operation of the mobile communication terminal 1. Or Further, as shown in FIG. 1, the first housing 1CA is provided with a receiver 6 that emits a voice when the mobile communication terminal 1 is talking.

  The second casing 1CB is provided with a plurality of operation keys 3 for inputting characters at the time of composing a telephone number, mail, etc., and selecting and determining menus and screens displayed on the main display 2M. A direction and a determination key 4 are provided for easily executing scrolling and the like. The operation key 3 and the direction / decision key 4 constitute an operation unit 28 (see FIG. 3) of the mobile communication terminal 1. In addition, the second casing 1CB is provided with a microphone 5 that receives audio when the mobile communication terminal 1 is in a call. In addition, the mobile communication terminal 1 has a non-contact IC card 36 built in the second housing 1CB.

  The first housing 1CA and the second housing 1CB are connected by a hinge 18. Accordingly, the first housing 1CA and the second housing 1CB are configured to rotate together around the hinge 18 and to rotate in a direction away from each other and a direction approaching each other. When the first casing 1CA and the second casing 1CB are rotated in a direction away from each other, the mobile communication terminal 1 is opened, and when the first casing 1CA and the second casing 1CB are rotated in a direction approaching each other, the mobile communication is performed. Terminal 1 closes.

  Next, the relationship between the function of the communication system and the control unit will be described with reference to FIG. As shown in FIG. 3, the communication system 100 includes a mobile communication terminal 1, an ATM 50, a host computer 70, and a server 80.

  The mobile communication terminal 1 includes a main control unit 22, a storage unit 24, a communication unit 26, an operation unit 28, an input data acquisition unit 29, an audio processing unit 30, a display unit 32, and a display control unit 33. A non-contact type IC card (integrated circuit card) 36.

  The main control unit 22 is a processing unit that centrally controls the overall operation of the mobile communication terminal 1, for example, a CPU (Central Processing Unit). In other words, the communication unit 26, the display unit, and the like are executed by various procedures according to the operation of the operation unit 28 and the software stored in the storage unit 24 of the mobile communication terminal 1. 32, controlling the operation of the non-contact type IC card 36 and the like. The main control unit 22 executes processing based on programs (for example, operating system programs, application programs, etc.) stored in the storage unit 24. The storage unit 24 stores software and data used for processing in the main control unit 22. Specifically, software for controlling the operation of the non-contact type IC card 36, software for controlling communication with other terminals, and the like are stored.

  The communication unit 26 establishes a radio signal line by a CDMA system or the like with a base station via a channel assigned by the base station, and performs telephone communication and information communication with the base station.

  The operation unit 28 includes, for example, an operation key 3 to which various functions such as a power key, a call key, a numeric key, a character key, a direction key, a determination key, and a call key are assigned, and a direction and determination key 4. When these keys are input by a user operation, a signal corresponding to the operation content is generated. The generated signal is input to the input data acquisition unit 29 as a user instruction.

  The input data acquisition unit 29 generates a control signal based on the signal generated from the operation unit 28 and the input setting, and inputs the generated control signal to the main control unit 22. For example, in the case of character input, one character is extracted from characters assigned to each key based on the number of times each key of the operation key 3 is operated, and is output to the main control unit 22 as character information.

  The audio processing unit 30 executes processing of an audio signal input to the microphone 5 and an audio signal output from the receiver 6.

  The display unit 32 includes a display panel (such as the main display 2M described above) configured by a liquid crystal display (LCD, Liquid Crystal Display), an organic EL (Organic Electro-Luminescence) panel, and the like. A video corresponding to the video data supplied via the unit 33 and an image corresponding to the image data are displayed on the display panel.

  The non-contact type IC card 36 is an IC chip that can communicate with a dedicated communication unit such as FeliCa (registered trademark) and MIFARE (registered trademark), and a short-range wireless communication unit 54 described later. The non-contact type IC card 36 can store bank information, branch information, bank account number, name information, transfer information, personal identification number information, and the like. In addition, the non-contact type IC card 36 communicates with the short-range wireless communication unit 54 to send stored information to the short-range wireless communication unit 54 or from the short-range wireless communication unit 54. Receive information. The non-contact type IC card 36 stores the received information. That is, the non-contact type IC card 36 can rewrite the stored information through communication with the short-range wireless communication unit 54. The non-contact type IC card 36 also reads and rewrites information under the control of the main control unit 22.

  The ATM 50 includes a control unit 52, a short-range wireless communication unit (NFC (Near Field Communication) communication unit) 54, a communication unit 56, a storage unit 58, a cash transfer unit 60, a display unit 62, and an operation unit 64. And exchanges information with the mobile communication terminal 1 to perform transfer and withdrawal of cash. Note that the ATM 50 is not limited to communication with the mobile communication terminal 1, and various operations may be performed by operating the operation unit 64 and taking in and out a cash card and a passbook. Hereinafter, each part will be described.

  The control unit 52 is a processing unit that centrally controls the overall operation of the ATM 50, for example, a CPU (Central Processing Unit). Based on the instruction input from the operation unit 64, the information transmitted from the short-range wireless communication unit 54, and the communication unit 56, the control unit 52 includes the short-range wireless communication unit 54, the communication unit 56, the storage unit 58, and the cash transfer unit. 60, and controls the operation of each part of the display unit 62. Further, similarly to the main control unit 22, the control unit 52 controls various operations by reading out data and application programs stored in the storage unit 58.

  The short-range wireless communication unit 54 is a communication unit that communicates with the non-contact type IC card 36. The short-range wireless communication unit 54 transmits radio waves in the set wavelength region to a predetermined region. When the non-contact type IC card 36 enters a predetermined area where this radio wave is transmitted, power is generated in the non-contact type IC card 36 by this radio wave and is activated to output a predetermined signal. The short-range wireless communication unit 54 receives a predetermined signal output from the non-contact type IC card 36 within a predetermined area, and performs communication with the non-contact type IC card 36. The short-range wireless communication unit 54 reads information stored in the non-contact type IC card 36 and writes information to the short-range wireless communication unit 54.

  The communication unit 56 is a communication unit that performs communication with the host computer 70. The storage unit 58 stores software and data used for processing in the control unit 52.

  The cash giving / receiving unit 60 provided cash drawn by the operator's operation, or put in cash deposited by the operator, and counted the number of cash provided or entered into the loading unit It has a calculation unit that counts the number of cash and a management unit that stores cash, and exchanges cash with the operator.

  The display unit 62 is a monitor that displays an image based on the control of the control unit 52, and displays an operation image, instructions, account information, balance information, and the like. The operation unit 64 is a part where an operator inputs an operation. As the operation unit 64, a touch panel combined with the display unit 62, a keyboard, a numeric keypad, or the like can be used. The operation unit 64 sends an operation instruction input by the operator to the control unit 52.

  Next, the host computer 70 is a processing apparatus that manages account information in a financial institution such as a bank, and stores various information necessary for the business (drawing, transfer, etc.) of the financial institution. The host computer 70 communicates with the communication unit 56 and the server 80 of the ATM 50, processes information supplied from the communication unit 56 and the server 80, manages each account, and performs processing such as withdrawal, deposit, and transfer. Further, the host computer 70 sends the processing result to the server 80 or sends an instruction to the communication unit 56 as to whether cash can be withdrawn.

  The server 80 communicates with the communication unit 26 of the mobile communication terminal 1 and the host computer 70 to transmit / receive information. In the present embodiment, the server 80 is shown as one server, but the communication unit 26 of the mobile communication terminal 1 and the host computer 70 may be connected via a plurality of servers.

  In the above embodiment, one ATM 50 is connected to one host computer 70, but the host computer 70 is basically connected to a plurality of ATMs 50. The communication line may be either wired or wireless. The ATM 50 is connected to a plurality of host computers 70 when dealing with a plurality of bank operations.

  Next, the operation of the communication system 100 will be described. 4 to 6 are flowcharts showing an example of the processing operation of the mobile communication terminal, and FIG. 7 is a flowchart showing an example of the processing operation of the automatic teller machine.

  First, the communication system 100 performs processing for storing various types of information in the mobile communication terminal 1 before transmitting and receiving information between the mobile communication terminal 1 and the ATM 50. The flowchart shown in FIG. 4 is a process of inputting information related to the cash card of the account opened in the bank to the mobile communication terminal 1. First, the main control unit 22 of the mobile communication terminal 1 starts an application (application software) having a cash card information registration function as step S12. Here, the application having the cash card information registration function is one piece of software for controlling the operation of the non-contact type IC card 36. The main control unit 22 of the mobile communication terminal 1 activates the application as step S12 when an operator's operation or a predetermined condition (an instruction to activate via a communication unit or the like is input) is satisfied. .

  After starting the application in step S12, the main control unit 22 detects the input of cash card information as step S14. Detection of input of cash card information is performed by detecting an operation of the operation unit 28 by an operator or detecting predetermined information sent from the communication unit 26 and the non-contact type IC card 36. Further, when detecting the operation of the operation unit 28 by the operator, the operation screen may be displayed on the display unit 32. The cash card information includes bank information, branch information, deposit form (current, ordinary, general, etc.), account number, name, and the like. In addition, a password may be input.

  When the main control unit 22 detects an input in step S14, the cash card information input in step S16 is written in a non-contact type IC card (hereinafter also referred to as “IC card”) 36, and the process is terminated. Thereby, the cash card information can be stored in the non-contact type IC card 36.

  Next, with reference to FIG. 5, a process for storing information relating to transfer and information relating to withdrawal in the mobile communication terminal will be described. First, the main control unit 22 activates an application having a transfer / withdrawal information registration function as step S20. Note that the application having the transfer / withdrawal information registration function is software stored in the storage unit. This application is also activated when a predetermined operation is input to the operation unit or when a predetermined instruction is sent from the outside.

  When the main control unit 22 activates the application in step S20, the main control unit 22 determines whether the transfer information is written in step S22. That is, the main control unit 22 determines whether information relating to the transfer is written from the outside by the operator.

  If it is determined in step S22 that the transfer information has been written (Yes), the main control unit 22 detects the input of the transfer information in step S24. Specifically, the main control unit 22 detects information such as the bank, the branch name, the deposit form, the account number, the name, the transfer amount, and the date and time of the input bank account. When detecting the transfer information in step S24, the main control unit 22 registers the transfer information detected in step S24 in the transfer / withdrawal list as step S26. Here, the transfer / withdrawal list is a list of various types of information regarding the transfer and withdrawal, and is stored in the storage unit 24 or the non-contact type IC card 36.

  When the information is registered in the list in step S26, or when it is determined in step S22 that no transfer information has been written (No), the main control unit 22 determines in step S28 whether the withdrawal information has been written. That is, the main control unit 22 determines whether information related to the drawer is written from the outside by the operator.

  If the main control unit 22 determines in step S28 that the withdrawal information has been written (Yes), the main control unit 22 detects the input of the withdrawal information in step S30. Specifically, the main control unit 22 detects information on the withdrawal amount and the withdrawal destination (whether the contactless IC card 36 is charged or withdrawn as cash, etc.). When the main control unit 22 detects the withdrawal information in step S30, in step S32, the main control unit 22 registers the withdrawal information detected in step S30 in the transfer / withdrawal list.

  When the main information is registered in the list in step S32, or when it is determined in step S28 that the extraction information is not written (No), the main control unit 22 determines whether registration is completed in step S34. That is, it is determined whether a registration completion process has been input. If the main control unit 22 determines in step S34 that the registration is not completed (No), that is, if the registration end instruction is not input, the main control unit 22 proceeds to step S22 and repeats the above processing. That is, the main control unit 22 repeats the detection of the transfer information and the withdrawal information and the registration to the list until the input of the instruction to complete the registration is detected. If the main control unit 22 determines that the registration is complete (Yes) in step S34, that is, if it is determined that the registration completion instruction is input, the main control unit 22 saves the transfer / withdrawal list as step S36 and performs the process. finish. Note that the transfer / withdrawal list information may be sorted for each item and stored in the storage unit 24 and the non-contact type IC card 36. Specifically, information that requires high security is stored in the non-contact type IC card 36, and information that requires lower security than information that requires high security is stored in the storage unit 24. All the information may be stored in the storage unit 24 and stored in the non-contact type IC card 36 before the information is transmitted / received by the non-contact type IC card 36. With the processing of the flowchart shown in FIG. 5, the mobile communication terminal 1 can store information related to transfer and information related to withdrawal. In addition, as a method of distributing the information of the transfer / withdrawal list between information that requires high security and information that requires low security, a method of setting a distribution destination for each item in advance, or a method of distributing based on the operation of the operator Etc.

  Next, communication between the mobile communication terminal 1 and the ATM 50 will be described with reference to FIGS. 6 and 7. The mobile communication terminal 1 performs the processing shown in FIGS. 4 and 5 and stores cash card information and a transfer / withdrawal list. In this state, when the operator brings the mobile communication terminal 1 close to the short-range wireless communication unit 54 (ATM-side reader) of the ATM 50, communication starts between the mobile communication terminal 1 and the ATM 50.

  Hereinafter, the operation of the mobile communication terminal 1 will be described first. When the mobile communication terminal 1 is brought close to the short-range wireless communication unit 54 (ATM-side reader) of the ATM 50, the non-contact type IC card 36 is activated by the radio wave output from the short-range wireless communication unit 54. When the non-contact type IC card 36 is activated, the main control unit 22 specifies a communication target. The main control unit 22 identifies the object of communication, and detects that it is held over the ATM-side reader as step S40. When detecting that the main control unit 22 is held over the ATM side reader in step S40, the main control unit 22 communicates with the short-range wireless communication unit 54, and transmits the cash card information in step S42. Specifically, communication is performed between the contactless IC card 36 and the short-range wireless communication unit 54, and cash card information is sent to the short-range wireless communication unit 54. Note that the short-range wireless communication unit 54 may read information stored in the non-contact type IC card 36. Further, the non-contact type IC card 36 and the short-range wireless communication unit 54 exchange information for setting a reading method and authenticating each other's devices before exchanging cash card information. May be.

  Next, the main control part 22 transmits the information which needs security among registered transfer / withdrawal information by NFC communication (short-range wireless communication) as step S44. That is, the main control unit 22 transmits information that needs to be transmitted / received with high security among the transfer / withdrawal information by communication between the non-contact type IC card 36 and the short-range wireless communication unit 54. The data is sent from the card 36 to the short-range wireless communication unit 54. Here, information that needs to be transmitted and received with high security can be set as needed, but is an account number, an amount, a transfer date and time, and the like.

  Next, in step S46, the main control unit 22 transmits information that does not require much security among the registered transfer / withdrawal information by a high-speed communication method. Specifically, the main control unit 22 sends information that has not been sent in step S44 among the transfer / withdrawal information from the communication unit 26 to the communication unit 56 via the host computer 70 and the server 80. That is, information is sent to the ATM 50 using a normal communication line. When a communication line is used, information for authentication between the ATM 50 and the mobile communication terminal 1 and information such as a telephone number and an address for calling the ATM 50 from the mobile communication terminal 1 are not contactless IC cards. 36 may be obtained by communication between the short-range wireless communication unit 54 and the operator, or may be input by an operator. In addition, communication from the communication unit 26 via the host computer 70 and the server 80 can use various types of communication whose communication speed is higher than that of NFC communication. For example, an LTE (Long Term Evolution) system can be used. Although the communication speed is slower than that of the LTE system, a W-CDMA (Wideband Code Division Multiple Access) system, a CDMA2000 system, or the like can also be used.

  Next, the main control unit 22 deletes the registered transfer / withdrawal information as Step S48 after transmitting the information through the communication at Step S44 and Step S46. Specifically, the main control unit 22 erases the information sent in step S44 and step S46 from the storage unit 24 and the non-contact type IC card 36.

  After erasing the information in step S48, the main control unit 22 receives information for charging the specified amount as step S50. Specifically, the main control unit 22 includes withdrawal information for withdrawing a predetermined amount from the bank account and charging (depositing) the contactless IC card 36 in the transfer / withdrawal information sent in steps S44 and S46. If so, the amount information withdrawn is sent from the short-range wireless communication unit 54 to the non-contact type IC card 36. As a result, the non-contact type IC card 36 is in a state where money for the amount of money withdrawn is deposited. If there is no withdrawal information, 0 yen is charged, or the process of step S50 is omitted.

  Next, the main control unit 22 receives the transfer / withdrawal information that could not be processed in step S52. Specifically, among the transfer / withdrawal information sent from the mobile communication terminal 1, the transfer / withdrawal information that could not be processed by the ATM 50 is sent from the ATM 50 to the mobile communication terminal 1. As for the transfer / withdrawal information, information that needs to be transmitted / received with high security is exchanged by communication between the non-contact type IC card 36 and the short-range wireless communication unit 54, and information that can be transmitted / received with certain security is communication. Communication is performed between the unit 26 and the communication unit 56.

  Next, as step S54, the main control unit 22 stores the transfer / withdrawal information received in step S52 in the storage unit 24 and the non-contact type IC card 36, and ends the process.

  Next, the operation of the ATM 50 will be described. First, when the mobile communication terminal 1 is brought close to the short-range wireless communication unit 54, the non-contact type IC card 36 of the mobile communication terminal 1 is activated by radio waves output from the short-range wireless communication unit 54, and communication is started. Is done. The control unit 52 of the ATM 50 detects that the mobile communication terminal 1 is held as step S60 by detecting the start of the communication.

  When the control unit 52 detects that the portable communication terminal 1 is held over at step S60, the control unit 52 receives the cash card information as step S62. Specifically, the cash card information is read from the information stored in the non-contact type IC card 36.

  Next, the control part 52 determines whether the cash card information received by step S62 is correct as step S64. Here, whether or not the cash card information is correct is determined by checking whether the received cash card information and the information stored in the host computer 70 have the same branch, account number, name, and password. . The control unit 52 determines that the cash card information is correct when all of the cash card information matches the information stored in the host computer 70.

  If the control unit 52 determines in step S64 that the cash card information is incorrect (No), that is, the cash card information is incorrect, the process ends. Thereby, when the cash card information is wrong, the withdrawal process and the transfer process are not performed.

  When it is determined in step S64 that the cash card information is correct (Yes), the control unit 52 receives the transfer / withdrawal information through NFC communication as step S66. Specifically, the short-range wireless communication unit 54 receives the transfer / withdrawal information sent from the non-contact type IC card 36. Note that the transfer / withdrawal information stored in the non-contact type IC card 36 may be read by the short-range wireless communication unit 54. Note that the information received in step S66 is information that needs to be received with high security.

  When receiving the transfer / withdrawal information by NFC communication in step S66, the control unit 52 receives the transfer / withdrawal information by high-speed communication in step S68. Specifically, the control unit 52 receives transfer / withdrawal information supplied from the mobile communication terminal 1 via the server 80 and the host computer 70. The transfer / withdrawal information received in step S68 is information that can be sent with a certain degree of security.

  When the control unit 52 receives the information at step S66 and step S68, the control unit 52 inquires the customer's balance as step S70. Specifically, the control unit 52 identifies an account based on the cash card information acquired in step S62, and detects the balance information of the identified account from the information stored in the host computer 70.

  If the balance is inquired in step S70, the controller 52 determines in step S72 whether there is a transfer process. Specifically, it is determined whether or not the transfer / withdrawal information received in step S66 and step S68 includes the transfer information. If there are a plurality of transfer / withdrawal information, transfer information and withdrawal information are extracted one by one and processed.

  If it is determined in step S72 that there is a transfer process (Yes), the control unit 52 determines in step S74 whether the transfer amount is equal to or less than the balance. That is, it is determined whether or not the transfer amount of the transfer process is less than the balance. If it is determined in step S74 that the transfer amount is equal to or less than the balance (Yes), the control unit 52 performs a transfer process as step S76. That is, based on the transfer information extracted in step S72, information such as the transfer destination account, amount, transfer date and time is sent to the host computer 70 to perform the transfer process. After performing the transfer process in step S72, the control unit 52 proceeds to step S86. Note that the communication system 100 may display various information before the transfer process is performed, and the operator may make a final determination. In this case, even if information can be transmitted to the mobile communication terminal 1 using NFC communication or high-speed communication (communication via the communication unit) and a determination instruction can be input by the mobile communication terminal 1, the display unit of the ATM 50 62 may be displayed, and a determination instruction may be input from the operation unit 64.

  If it is determined in step S74 that the balance is less than the transfer amount (No), the control unit 52 stores the transfer that could not be processed as step S78, and proceeds to step S86. That is, when the balance is smaller than the transfer amount, the control unit 52 stores information that could not be processed without performing the transfer process.

  Next, when it is determined in step S72 that the information to be processed in the transfer / withdrawal information is not a transfer process (No), the control unit 52 determines whether the information is a withdrawal process in step S80. If it determines with it being withdrawal processing (Yes) at step S80, the control part 52 will determine whether it is withdrawing money amount <balance as step S82. That is, it is determined whether or not the withdrawal amount of the withdrawal process is smaller than the balance. If it is determined in step S82 that the withdrawal amount ≦ the balance (Yes), the control unit 52 transmits information for charging the specified amount to the mobile communication terminal 1 in step S84. That is, information for depositing the amount specified based on the withdrawal information extracted in step S80 to the non-contact type IC card 36 is sent from the short-range wireless communication unit 54. If the withdrawal information extracted in step S80 is information indicating that the withdrawal is made in cash, the designated amount of cash is prepared in the cash handing unit 60 so that it can be taken out by the operator. After performing the process of step S84, the control unit 52 proceeds to step S86.

  If the controller 52 determines in step S82 that the balance is less than the withdrawal amount (No), the control unit 52 proceeds to step S86 without performing the withdrawal process. If the controller 52 determines in step S80 that the process is not a withdrawal process (No), the controller 52 proceeds to step S88.

  Next, if the process of step S74, S78, S84 is performed or it determines with No by step S82, the control part 52 will display transaction content on a screen as step S86. Specifically, it displays information on the executed transfer process, information on the executed withdrawal process, information on the process that could not be executed, information on the current balance, and the like. Note that these displays may be displayed on the display unit 62 or the display unit 32. When the screen is displayed in step S86, the control unit 52 determines whether all the registration information has been processed in step S88. That is, it is determined whether all registered transfer / withdrawal information sent from the mobile communication terminal 1 has been processed. If it is determined in step S88 that all processing has not been performed (No), the control unit 52 proceeds to step S70 and repeats the above processing.

  If it is determined in step S88 that all processes have been completed (Yes), the control unit 52 transmits transfer / withdrawal information that could not be processed in step S90. Specifically, the control unit 52 sends the transfer / withdrawal information that could not be processed to the mobile communication terminal 1 by NFC communication and / or high-speed communication. Thereafter, the process ends.

  As described above, when the communication system performs communication between the mobile communication terminal 1 and the ATM 50, information that needs to be transmitted with high security uses the non-contact type IC card 36 and the short-range wireless communication unit 54. Exchange with NFC communication. In addition, other information (for example, information that does not require much security) is exchanged by high-speed communication using the communication unit 26 and the communication unit 56. In other words, NFC communication is used to exchange information that should not be leaked outside in a form that cannot be intercepted by others, and high-speed communication at a higher communication speed than NFC communication and information that does not require high security, for example, the information alone Exchange information that cannot be identified, or information that is known to be no problem. Thereby, information can be exchanged quickly while maintaining security. Specifically, the predetermined information cannot be intercepted even if an antenna or the like is set up in the vicinity by exchanging the non-contact type IC card 36 and the short-range wireless communication unit 54 close to each other by NFC communication. It is possible to suppress the leakage to the outside, and the security can be increased. Even in a process with a large amount of information, a part of information can be exchanged by high-speed communication, so that the process can be performed at high speed. Thereby, a plurality of transfer information and withdrawal information can be sent, and a plurality of transfer processes and withdrawal processes can be performed in a short time.

  In addition, since processing, transfer information, and withdrawal information necessary for the mobile communication terminal 1 can be input in advance, it is possible to save time and effort to input information to the ATM 50. Thereby, it is not necessary to stay for a long time in front of ATM50, and ATM50 can be utilized efficiently. In addition, since information can be processed in advance at home or the like, the possibility that a processing screen is seen by another person can be reduced, and safety can be further increased.

  Further, since the cash card information is directly exchanged between the mobile communication terminal 1 and the ATM 50, the security can be maintained higher than when the cash card information is input on the homepage using the Internet line. Specifically, it is possible to reduce the possibility that the bank information is leaked to a third party by entering account information on an incorrect homepage due to viruses, phishing or the like. Further, it is not necessary to carry a cash card, and the mobile communication terminal 1 can have a cash card function and a wallet function.

  It is possible to prevent the same processing from being performed a plurality of times by erasing the transfer information and withdrawal information for which processing has been completed. Moreover, even if the mobile communication terminal 1 is stolen or seen by erasing the information, it is possible to prevent the history from being seen. Although the above effect cannot be obtained, it is possible to play the role of a passbook, so that a history may be left.

  Moreover, it is not necessary to have cash by charging (depositing) the non-contact type IC card 36 of the mobile communication terminal 1 based on the withdrawal information. Thereby, the damage by which cash is stolen can be prevented. Further, since it is possible to charge directly from the ATM 50, it is not necessary to withdraw cash once and charge it with a dedicated machine using the cash, or charge with a dedicated machine using credit card settlement. Thereby, an operator's burden can be reduced and a process can be simplified.

  In the above embodiment, the personal identification number is stored in advance. However, the personal identification number may be input every time communication with the ATM 50 is performed, and the portable communication terminal 1 may not store the personal identification number. By not storing the personal identification number in the mobile communication terminal 1, it is possible to prevent a third party from using it without permission.

  Moreover, in the said embodiment, although the display part and the operation part were provided in ATM50, required information can be displayed on the display part of the mobile communication terminal 1 by using this invention. As a result, the ATM 50 can be configured not to include a display unit and an operation unit. Further, when the withdrawal from the account is only withdrawing to the non-contact type IC card 36 and the cash is not handled, the cash transfer unit 60 is not necessary. Thereby, the apparatus structure of ATM50 can also be simplified.

  In the above embodiment, communication using a communication line network such as a telephone line is used as high-speed communication, but the present invention is not limited to this. For example, a communication unit that directly communicates between the mobile communication terminal 1 and the ATM 50 without using an infrared communication or a communication network such as Bluetooth can be used. Thus, by performing direct communication, it is possible to increase the security of high-speed communication.

  In the above embodiment, high-speed communication is performed after performing NFC communication. However, the communication order is not particularly limited, but it is preferable to process two communication in parallel. Thereby, processing can be performed in a shorter time.

  In the above-described embodiment, the case where transfer information, withdrawal information, cash card information, and the like are exchanged has been described. However, the information exchanged (transmitted / received) is not limited to this, and various types of information can be exchanged. For example, point information, coupon information, usage details information, etc. can also be exchanged. Even when such information is exchanged, since NFC communication and high-speed communication are used together, processing can be performed in a short time.

  Moreover, although the said embodiment demonstrated as a process between the mobile communication terminal 1 and ATM50, it is not limited to this. For example, it may be used to pay a fee between a mobile communication terminal and a cash register, pay a fee by NFC communication, and receive point information or coupon information by high-speed communication. In addition, by selecting a payment method, that is, performing processing for specifying the type of electronic money by high-speed communication, it is not necessary for the operator to input an operation for specifying the type of electronic money at the time of payment.

  As described above, the mobile communication terminal, the communication system, and the communication method according to the present invention are useful for use in communication with a mobile communication terminal having a plurality of communication functions.

DESCRIPTION OF SYMBOLS 1 Mobile communication terminal 1C housing | casing 1CA 1st housing | casing 1CB 2nd housing | casing 2M Main display 3 Operation key 4 Direction and determination key 5 Microphone 6 Receiver 18 Hinge 22 Main control part 24 Storage part 26 Communication part 28 Operation part 29 Input data Acquisition unit 30 Audio processing unit 32 Display unit 33 Display control unit 36 Non-contact type IC card 50 Automatic teller machine (ATM)
52 Control Unit 54 Short-range Wireless Communication Unit 56 Communication Unit 58 Storage Unit 60 Cash Transfer Unit 62 Display Unit 64 Operation Unit 70 Host Computer 80 Server 100 Communication System

Claims (10)

A mobile communication terminal that communicates with a terminal that can withdraw cash,
A first communication unit that performs NFC communication with the terminal;
And a control unit that sends an extraction information to the terminal according to the withdrawal process from said terminal,
A mobile communication terminal in which a predetermined amount based on the withdrawal information transmitted to the terminal is charged by the NFC communication from the terminal. A second communication unit that communicates with the terminal at a communication speed faster than the NFC communication;
A storage unit that stores first data that requires security in the withdrawal information and second data that requires less security than the first data in the withdrawal information;
The control unit, when transmitting the withdrawal information to the terminal, causes the terminal to transmit the first data from the first communication unit, and causes the terminal to transmit the second data from the second communication unit. The mobile communication terminal according to claim 1. The terminal is an automatic teller machine,
The storage unit stores transfer information related to a transfer process using the terminal,
The mobile communication terminal according to claim 2, wherein the first communication unit and the second communication unit transmit both the transfer information and the withdrawal information to the automatic teller machine.   The mobile communication terminal according to claim 3, wherein the first communication unit and the second communication unit transmit a plurality of transfer information together.   5. The mobile communication terminal according to claim 3, further comprising an input unit for inputting transfer information and withdrawal information.   The mobile communication terminal according to any one of claims 3 to 5, wherein the control unit deletes the transmitted information from the storage unit after transmitting at least one of the transfer information and the withdrawal information.   The first communication unit and the second communication unit receive information related to the withdrawal process or the transfer process that could not be executed by the automatic teller machine and store the information in the storage unit. The mobile communication terminal according to any one of claims 3 to 6. The mobile communication terminal according to any one of claims 1 to 7,
A communication system comprising: a terminal having a third communication unit that performs NFC communication with the first communication unit and a fourth communication unit that performs communication with the second communication unit. A communication method for communicating between a mobile communication terminal and another terminal that can withdraw cash,
The mobile communication terminal transmits withdrawal information related to withdrawal processing from the terminal to the terminal,
The communication method, wherein the terminal charges the mobile communication terminal with a predetermined amount based on the withdrawal information by the NFC communication. A mobile communication terminal that communicates with a terminal having a communication function,
A first communication unit that performs NFC communication with the terminal;
A second communication unit that communicates with the terminal at a communication speed faster than the NFC communication;
A storage unit that stores first data having a high degree of security and second data having a lower degree of security than the first data;
A control unit that transmits the first data from the first communication unit to the terminal and transmits the second data from the second communication unit to the terminal during communication with the terminal; ,
When the control unit stores both the transfer information related to the transfer process using the terminal and the withdrawal information related to the process of withdrawing money from the terminal before the communication with the terminal The first data in both the transfer information and the withdrawal information is transmitted to the terminal by the first communication unit, and the second data in both the transfer information and the withdrawal information is sent to the first 2. A mobile communication terminal that transmits to the terminal by a communication unit.

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