JP6355350B2 - Portable communication terminal and program for controlling portable communication terminal - Google Patents

Description

  The present disclosure relates to control of a mobile communication terminal, and more particularly to control of a mobile communication terminal that can use a payment service.

  In recent years, portable communication terminals such as smartphones and tablet terminals that can use an automatic settlement service by wireless communication with other communication devices have become widespread. The portable communication terminal is equipped with a non-contact IC (Integrated Circuit) card (IC chip) such as FeliCa (registered trademark), and can automatically use a settlement service simply by holding it over a reader. In recent years, the types of automatic payments such as ICOCA (registered trademark) and Osaifu-Keitai (registered trademark) are increasing, and it is required that one mobile communication terminal supports a plurality of payment services. That is, the mobile communication terminal must execute a payment function for receiving a specific payment service corresponding to the type of automatic payment.

  As such a technology, for example, Patent Document 1 discloses “a mobile terminal device capable of controlling the prohibition of use of a non-contact IC card for each service in a mobile terminal device equipped with a non-contact IC card corresponding to a plurality of services”. Disclosure. The mobile terminal device manually selects a service that the user locks from among a plurality of services, and receives an unlocked service.

JP 2007-317076 A

  The portable terminal device disclosed in Patent Literature 1 lacks convenience because it is necessary for a user to manually set a payment service to be locked. For this reason, a technique is required for the user of the mobile terminal device to appropriately receive a payment service in accordance with the type of automatic payment.

  The present disclosure has been made to solve the above-described problems, and an object of the present disclosure is to provide a mobile communication terminal capable of improving user convenience during automatic settlement. .

  According to one embodiment, the mobile communication terminal includes a storage device for storing location information indicating a place where the payment service can be received. The location information is associated with a payment service that can be received by the mobile communication terminal at a location specified by the location information. The mobile communication terminal includes a control device for controlling the mobile communication terminal. The control device includes an acquisition means for acquiring position information indicating the current position of the mobile communication terminal, and a payment service when the position information stored in the storage device corresponds to the position information acquired by the acquisition means. When the location information stored in the storage device does not correspond to the location information acquired by the acquisition unit, a setting unit for invalidating the settlement service and a settlement instruction for receiving the settlement service are provided. And execution means for executing a payment function for receiving an effective payment service.

In one aspect, user convenience can be improved during automatic settlement.
The above and other objects, features, aspects and advantages of the present invention will become apparent from the following detailed description of the present invention taken in conjunction with the accompanying drawings.

It is a figure which shows a mode that the smart phone according to 1st Embodiment is carrying out radio | wireless communication with the reader. It is a block diagram which shows the main hardware constitutions of the smart phone according to 1st Embodiment. It is a block diagram which shows the function structure of the smart phone according to 1st Embodiment. It is the figure which represented a mode that the user of the smart phone according to 1st Embodiment is registering a service table in time series. It is the figure which represented the validity / invalidity of the payment service in time series when a user moves to the stores AC sequentially from the outside of the store. It is the figure which represented the validity / invalidity of the payment service in time series when a user performs automatic payment in the store A. It is a flowchart showing a part of process which the smart phone according to 1st Embodiment performs. It is a flowchart showing a part of process which the smart phone according to 1st Embodiment performs. It is a flowchart showing a part of process which the smart phone according to 1st Embodiment performs.

  Hereinafter, the present embodiment will be described with reference to the drawings. In the following description, the same parts and components are denoted by the same reference numerals. Their names and functions are also the same. Therefore, detailed description thereof will not be repeated.

  In addition, below, the detail of the smart phone which functions as an example of a mobile communication terminal is demonstrated, However, A mobile communication terminal is not limited to a smart phone. For example, the mobile communication terminal may include a tablet terminal, a digital camera, an electronic dictionary, a notebook computer, a PDA (Personal Digital Assistant), and other electronic devices that can use a payment service. Moreover, each embodiment described below may be selectively combined.

<First Embodiment>
[Overview]
With reference to FIG. 1, the outline | summary of the smart phone 100 according to 1st Embodiment is demonstrated. FIG. 1 is a diagram illustrating a state in which the smartphone 100 according to the first embodiment wirelessly communicates with the reader 110A or the reader 110B. The smart phone 100 incorporates an IC chip to be described later. The reader 110A and the reader 110B include an IC chip (not shown) and a control unit (not shown) for controlling the IC chip. By performing wireless communication between the IC chip of the smartphone 100 and the IC chip of the reader, the user of the smartphone 100 can use automatic payment using electronic money when shopping, getting on a train, and the like.

  Smartphone 100 according to the present embodiment enables a payment service available at the location out of the payment services available to the terminal according to the location indicated by the current location of the terminal, and is not used at the location. Disable possible payment services. That is, the smartphone 100 appropriately switches the payment service to be used according to the location indicated by the current position of the terminal itself.

  For example, as illustrated in FIG. 1A, the smartphone 100 can make an automatic settlement by Osaifu-Keitai at the store A. When the location indicated by the acquired current position information is the store A, the smartphone 100 enables the payment service using the Osaifu-Keitai that can be used in the store A and disables other payment services. When the smartphone 100 receives a payment command from the reader at the store A, the smartphone 100 executes a payment function for receiving a payment service by Osaifu-Keitai.

  Further, as illustrated in FIG. 1B, the smartphone 100 can perform automatic settlement by ICOCA in the store B, for example. When the location indicated by the acquired current position information is the store B, the smartphone 100 enables the payment service by ICOCA that can be used in the store B, and disables other payment services. When the smartphone 100 receives a payment command from the reader at the store B, the smartphone 100 executes a payment function for receiving a payment service by ICOCA.

  As described above, since the smartphone 100 automatically switches between valid and invalid of the payment service according to the acquired current position, a user operation of selecting the payment service for the smartphone 100 is not necessary. That is, the convenience of the user of the smartphone 100 is improved during automatic settlement. In addition, even when the reader supports a plurality of types of payment services, the smartphone 100 selects a payment service for the reader in order to select one valid payment service on its own terminal side. The user (store clerk) does not need to perform the operation. In other words, the convenience of the user of the reader is improved during automatic settlement.

[Hardware configuration]
With reference to FIG. 2, an example of a hardware configuration of smartphone 100 according to the first embodiment will be described. FIG. 2 is a block diagram illustrating a main hardware configuration of the smartphone 100. As shown in FIG. 2, the smartphone 100 includes a ROM (Read Only Memory) 1, a CPU (Central Processing Unit) 2, a RAM (Random Access Memory) 3, a monitor 4, and a GPS (Global Positioning System) controller. 5, an IC chip 6, a network interface (I / F) 7, and a storage device 20.

  The ROM 1 stores an operating system (OS), an initial program (boot program) executed when the smartphone 100 is activated, and the like. The CPU 2 controls the operation of the smartphone 100 by executing various programs such as an operating system and a control program for the smartphone 100 stored in the ROM 1 and the storage device 20. The RAM 3 functions as a working memory for executing the program by the CPU 2 and temporarily stores various data necessary for executing the program.

  The monitor 4 displays, for example, a screen indicating that automatic payment is being executed, a screen indicating that automatic payment is completed, and the like. The monitor 4 may be configured as a touch panel in combination with a touch sensor (not shown). The GPS controller 5 receives a GPS signal or a position signal (positioning signal) from the base station via the antenna 5A. The GPS controller 5 calculates position information indicating the current position of the smartphone 100 from the received GPS signal or position signal. The GPS controller 5 outputs the calculated position information to the CPU 2.

  The IC chip 6 performs a close-range wireless communication using an electromagnetic field, radio waves, or the like with the IC chip of the reader via the antenna 6A, and executes a payment function for receiving an automatic payment service. More specifically, when the user brings the smartphone 100 close to the reader, the IC chip 6 of the smartphone 100 and the IC chip of the reader start wireless communication. This wireless communication is realized by, for example, near field communication (NFC). Short-range wireless communication is, for example, communication performed over a short distance of about several centimeters to about 1 meter. The smartphone 100 receives an input of the payment amount from the reader. The smartphone 100 reads the user's personal information (for example, the user's ID (Identification) and account number) from the IC chip 6. The smartphone 100 communicates with a payment processing server (not shown) connected to the network based on the personal information. The payment processing server performs payment processing using data received from the smartphone 100.

  The network I / F 7 transmits / receives data to / from other communication devices via the antenna 7A. Other communication devices are, for example, smart phones, personal computers, server devices, and other electronic devices having communication functions. When the smartphone 100 communicates with another communication device, the smartphone 100 acquires an identifier (SSID: Service Set Identifier) of an access point in the wireless LAN.

  The storage device 20 includes, for example, a storage medium such as eMMC (Embedded MultiMediaCard). The eMMC includes a NAND flash memory and a control circuit. Storage device 20 stores a program and the like for realizing various processes according to the present embodiment. Further, the storage device 20 may store a program such as an operating system. The storage device 20 stores a service table 30. Details of the service table 30 will be described later.

[Function configuration]
An example of a functional configuration of the smartphone 100 will be described with reference to FIG. FIG. 3 is a block diagram illustrating a functional configuration of the smartphone 100. The smartphone 100 includes a CPU 2 for controlling the terminal itself and a storage device 20. The CPU 2 includes an acquisition unit 210, a registration unit 220, a setting unit 230, and an execution unit 250. The storage device 20 stores a service table 30. Details of the service table 30 will be described later.

  The acquisition unit 210 acquires position information indicating the current position of the smartphone 100 from the received signal. The acquisition unit 210 calculates, for example, the current position of the smartphone 100 from a GPS signal or a position signal (positioning signal) from a base station, thereby acquiring position information indicating the current location of the smartphone 100 (hereinafter, “current position information”). Say). The current position information includes, for example, latitude information and longitude information. In one aspect, the acquisition unit 210 acquires current position information of the smartphone 100 from an identifier (SSID) of an access point in the wireless LAN. The acquisition unit 210 outputs the current position information to the registration unit 220 and the setting unit 230.

  The registration unit 220 registers, in the service table 30, position information indicating a place where automatic payment can be received and a payment service that can be received by the smartphone 100 at a place specified by the position information. . Details of the registration process in the registration unit 220 will be described later.

  Based on the current position information, the setting unit 230 enables a payment service that can be received at the location specified by the current position, and disables a payment service that cannot be received at the location. More specifically, the setting unit 230 refers to the service table 30 and enables a payment service corresponding to the current position information among a plurality of payment services, and disables a payment service not corresponding to the current position information. To. Details of the setting method of the validity / invalidity of the settlement service by the setting unit 230 will be described later. The execution unit 250 executes a payment function for executing an effective payment service defined in the service table 30 based on reception of a payment instruction for performing automatic payment from the reader.

[Specific example of registration process]
Details of the registration process of the service table 30 by the registration unit 220 will be described with reference to FIG. FIG. 4 is a diagram showing, in time series, a state in which the user 40 of the smartphone 100 is registering the service table 30.

  The user 40 can register the location specified by the current location specified from at least one of the GPS signal and the SSID and the payment service that can be received at the location in association with each other. For example, when the user 40 enters the store A, the user 40 can receive at the store A from the payment services that can be received by the smartphone 100 (that is, services a, b, c, x stored in the IC chip). A possible service a is selected, and store A and service a are registered in association with each other. Thus, the registration unit 220 stores the current position information (store A) and the service a in the service table 30 in association with each other. The registration unit 220 may register, for example, longitude and latitude, coordinates, or other information that can specify the position as current position information. The registration unit 220 may be configured such that only one electronic money service, which is one of the settlement services, can be registered at each store.

  Moreover, the smart phone 100 may be comprised so that a some service can be registered with respect to each shop. For example, when the user 40 enters the store B, the user 40 selects the service b that can be received at the store B from the payment services that the smartphone 100 can receive (that is, the services a, b, c, and x). , Store B and service b are registered in association with each other. As a result, the registration unit 220 stores the current position information (store B) and the service b in the service table 30 in association with each other. Further, the user 40 can select a service x that can be received at the store B, and register the store B and the service x in association with each other. The registration unit 220 stores the current position information (store B) and the service x in the service table 30 in association with each other.

  In the above, an example in which the user registers the service table 30 has been described. However, the service table 30 may be distributed to the smartphone 100 from an external server device or the like. Further, the user does not necessarily have to move to a store in order to register a payment service. For example, the smartphone 100 may receive store location information from an external server device or the like, and register the location information and the payment service in association with each other.

  In addition, the smartphone 100 may be configured so that the association between the position information and the payment service can be manually set using a setting screen or the like. Furthermore, the payment services to be registered in the service table 30 of the smartphone 100 do not necessarily need to be plural, and may be one or more. Further, in the above description, the example in which the service a, the service b, the service c, and the service x are stored in the IC chip 6 has been described. However, the storage device 20 and the IC chip 6 are incorporated in these settlement services. It may be stored in an IC card or the like.

[Details of setting process]
(Specific example 1 of the setting process)
With reference to FIG. 5, a specific example of a method for setting the validity / invalidity of the settlement service will be described. FIG. 5 is a diagram showing, in time series, the validity / invalidity of the settlement service when the user 40 moves from the store to the stores A to C in order.

  In service table 30, store A and service a are associated with each other, store B and service b are associated with each other, and store B and service x are associated with each other. The IC chip 6 stores service a, service b, service c, and service x. The smartphone 100 receives from these payment services a payment service that can be received at a location specified by the current position.

  For example, when the user 40 enters the store A, the setting unit 230 enables the payment service available at the store A. More specifically, the setting unit 230 refers to the service table 30 and enables the service a that matches the store A specified by the current position information. Here, enabling the service means that the service can be read from the reader. That is, the user can use the service a.

  In addition, the setting unit 230 invalidates a payment service that cannot be used at the store A specified by the current position information. More specifically, the setting unit 230 invalidates the service b, the service c, and the service x that do not match the store A specified by the current position information. Here, disabling a service means that the service cannot be read from the reader. That is, the user cannot use the service b, the service c, and the service x. When receiving the payment instruction from the reader, the smartphone 100 refers to the service table 30 and executes a payment function for receiving the valid service a.

  When the user 40 leaves the store A, the setting unit 230 enables the disabled service b, service c, and service x so that the user 40 can use automatic payment at another store. More specifically, the setting unit 230 moves the smartphone 100 by the user 40, so that the current location of the smartphone 100 from the location (store A) specified by the location information corresponding to the valid payment service (service a). Based on the fact that the position is no longer included, the invalidated settlement services (service b, service c, and service x) are returned to valid. In other words, the setting unit 230 enables the invalidated payment service when the location corresponding to the current location information becomes location information not registered in the service table 30.

  When the user 40 enters the store B, the setting unit 230 enables the payment service available at the store B. More specifically, the setting unit 230 refers to the service table 30 and validates the service b and the service x that match the store B specified by the current position information. In addition, the setting unit 230 invalidates the service a and the service c that do not match the store B specified by the current position information. When receiving the payment instruction from the reader, the smartphone 100 executes a payment function for receiving the valid service b or service x.

  The setting unit 230 enables all the plurality of payment services when there is no payment service corresponding to the current position information among the plurality of payment services defined in the service table 30. For example, when the user 40 enters the store C, the setting unit 230 refers to the service table 30 and searches for a settlement service that matches the store C specified by the current position information. Since the settlement service corresponding to the store C is not registered, the setting unit 230 validates all services registered in the service table 30.

  In the above description, the service a, the service b, the service c, and the service x are described as examples stored in the IC chip 6, but the storage device 20 and the IC chip 6 are incorporated in these settlement services. It may be stored in an IC card or the like. In the above description, the smart phone 100 automatically returns the invalid payment service to the valid state. However, the smart phone 100 may be configured to return the invalid payment service to the valid state by a user operation.

(Specific example 2 of the setting process)
With reference to FIG. 6, a specific example of a method for setting the validity / invalidity of the settlement service will be further described. FIG. 6 is a diagram showing, in time series, the validity / invalidity of the settlement service when the user 40 makes an automatic settlement at the store A.

  The setting unit 230 disables the payment based on the completion of the automatic payment performed by executing the payment function so that the user can use the automatic payment at another store (especially an unregistered store). Enable the service. For example, when the user 40 completes the automatic settlement by the service a at the store A, the service b, the service c, and the service x, which are invalidated when the store A enters the store, are validated.

  For example, the setting unit 230 determines that the automatic payment has been completed based on the reception of the notification of the payment completion from the reader. The setting unit 230 may determine that the automatic settlement has been completed based on the change in the balance in the IC card. Furthermore, after the distance between the smartphone 100 and the reader becomes smaller than a predetermined value (range detection), the setting unit 230 determines that the distance becomes larger than a predetermined value (out-of-range detection). Based on the above, it may be determined that the automatic settlement has been completed. The distance between the smartphone 100 and the reader is determined, for example, according to the signal strength received from the reader.

[Control structure]
With reference to FIGS. 7-9, the control structure of the smart phone 100 is demonstrated. 7-9 is a flowchart showing a part of process which the smart phone 100 performs. The processing in FIGS. 7 to 9 is realized by the CPU 2 executing a program. In other aspects, some or all of the processing may be performed by circuit elements or other hardware.

  In step S <b> 510, the CPU 2 registers the position information and the settlement service in the service table 30 as the registration unit 220 in association with each other. In step S520, the CPU 2 determines whether or not the position information corresponding to the current position information is registered as the setting unit 230 based on the information defined in the service table 30. For example, the CPU 2 determines that the position information corresponding to the current position information is registered when there is a piece of position information defined in the service table 30 that matches the current position information. When CPU 2 determines that position information corresponding to the current position information is registered (YES in step S520), CPU 2 switches control to step S530. If not (NO in step S520), CPU 2 executes step S520 again.

  In step S530, the CPU 2 invalidates a settlement service that does not correspond to the current position information as the setting unit 230. For example, the CPU 2 invalidates the settlement service associated with the position information that does not match the current position information among the position information defined in the service table 30 and associates it with the position information that matches the current position information. Enable payment services.

  Next, the flowchart shown in FIG. 8 will be described. Each step shown in FIG. 8 is executed in parallel with each step shown in FIG. 7 after step 520 shown in FIG. 7 is executed, for example.

  In step S540, the CPU 2 determines, as the setting unit 230, whether the current position information is different from the previous position information. When CPU 2 determines that the current position information is different from the previous position information (YES in step S540), CPU 2 switches control to step S550. If not (NO in step S540), CPU 2 executes step S540 again.

  In step S550, the CPU 2 determines, as the setting unit 230, whether or not the same position information as the new current position information is defined in the service table 30. When the same position information as the new current position information is not defined in the service table 30, the CPU 2 determines that the smartphone 100 exists outside the store or the smartphone 100 exists in an unregistered store. When CPU 2 determines that the same position information as the new current position information is not defined in service table 30 (YES in step S550), control is switched to step S552. If not (NO in step S550), CPU 2 switches control to step S530. In step S552, the CPU 2 validates the invalidated payment service as the setting unit 230.

  Next, the flowchart shown in FIG. 9 will be described. Each step shown in FIG. 9 is executed in parallel with each step shown in FIG. 7 after step 520 shown in FIG. 7 is executed, for example.

  In step S560, CPU 2 determines whether or not automatic settlement has been completed. When CPU 2 determines that automatic settlement has been completed (YES in step S560), CPU 2 switches control to step S562. If not (NO in step S560), CPU 2 executes step S560 again. In step S562, the CPU 2 validates the invalidated payment service as the setting unit 230.

[advantage]
According to smartphone 100 according to the present embodiment, the payment service can be appropriately switched according to the location specified by the current position information. That is, since it is not necessary for the user to select an effective payment service for the smartphone 100 and the reader, convenience for the user is improved. In addition, since the validity / invalidity of the payment service is automatically set on the smartphone 100 side and the design of the reader does not need to be changed, the smartphone 100 is excellent in versatility.

<Second Embodiment>
[Overview]
An overview of smartphone 100A according to the second embodiment will be described. The smartphone 100A differs from the smartphone 100 according to the first embodiment in that a payment service having a high priority is used when a plurality of valid payment services are defined in the service table 30 during automatic payment. . Since other points such as the hardware configuration are the same as those of the smartphone 100 according to the first embodiment, the description will not be repeated.

  The smartphone 100 </ b> A is configured such that priority can be set for each payment service registered in the service table 30. For example, the smartphone 100A displays a screen for setting the priority for each payment service. When the setting unit 230 sets validity / invalidity of the payment service or when automatic payment is executed, the smartphone 100A enables the payment service with the highest priority and invalidates other effective payment services. That is, the smartphone 100A receives one settlement service with the highest priority.

  In one aspect, the smartphone 100A calculates the usage frequency of the payment service from the usage history of each payment service, and sets a payment service with a high usage frequency as a payment service with a high priority. When a plurality of valid settlement services are defined in the service table 30 at the time of automatic settlement, the smartphone 100A validates the settlement service with the highest priority and invalidates other settlement services.

[advantage]
Smartphone 100A according to the present embodiment executes a settlement function for receiving one settlement service with a high priority even when there are a plurality of valid settlement services during automatic settlement. For this reason, the smartphone 100A can automatically execute the payment service without any user operation, and the convenience for the user is improved.

<Third Embodiment>
The outline | summary of the smart phone 100B according to 3rd Embodiment is demonstrated. The smartphone 100B follows the first embodiment in that a screen for selecting one payment service is displayed when a plurality of valid payment services are defined in the service table 30 during automatic payment. 100 is different. The user selects one payment service from the displayed plurality of payment services. The smartphone 100B executes a payment function for receiving the selected payment service based on the selection of the payment service by the user. Since other points such as the hardware configuration of smartphone 100B are the same as those of smartphone 100 according to the first embodiment, description thereof will not be repeated.

[advantage]
Smartphone 100B according to the present embodiment can reliably use the payment service intended by the user by displaying a screen for selecting one payment service from a plurality of valid payment services during automatic payment. . Moreover, since the smart phone 100B can receive an appropriate payment service automatically without a user's operation, when there is one effective payment service, a user's convenience improves.

  The embodiment disclosed this time should be considered as illustrative in all points and not restrictive. The scope of the present invention is defined by the terms of the claims, rather than the description above, and is intended to include any modifications within the scope and meaning equivalent to the terms of the claims.

  1 ROM, 2 CPU, 3 RAM, 4 monitor, 5 controller, 5A, 6A, 7A antenna, 6 IC chip, 7 network I / F, 20 storage device, 30 service table, 40 users, 100, 100A, 100B smartphone, 210 acquisition unit, 220 registration unit, 230 setting unit, 250 execution unit.

Claims (5)

A mobile communication terminal,
A storage device for storing location information indicating a place where the payment service can be received is provided, and the location information is a payment service that can be received by the mobile communication terminal at a location specified by the location information. Associated with,
A control device for controlling the mobile communication terminal;
The controller is
Acquisition means for acquiring position information indicating a current position of the mobile communication terminal;
Wherein among the possible payment service that the mobile communication terminal receives said with to enable the payment service that is correlated to the position information indicated by the current position, the portable communication terminal is capable of settlement service to receive among them, a setting means for disabling settlement services that are not correlated to the position information indicated by the current position,
A mobile communication terminal, comprising: execution means for executing a payment function for receiving an effective payment service based on a payment instruction for receiving the payment service. A mobile communication terminal,
A storage device for storing location information indicating a place where the payment service can be received is provided, and the location information is a payment service that can be received by the mobile communication terminal at a location specified by the location information. Associated with,
A control device for controlling the mobile communication terminal;
The controller is
Acquisition means for acquiring position information indicating a current position of the mobile communication terminal;
When the location information stored in the storage device corresponds to the location information acquired by the acquisition unit, the payment service is enabled, and the location information stored in the storage device is acquired by the acquisition unit. A setting means for disabling the payment service if it does not correspond to the acquired location information;
Based on the settlement instructions for receiving the settlement service, and an execution means for executing the settlement function for receiving a valid settlement services only including,
The storage device stores a plurality of the position information, and each of the plurality of position information is associated with each of the plurality of payment services,
The setting means, when there is no payment service corresponding to the location information acquired by the acquisition means among the plurality of payment services, enables all of the plurality of payment services. .   The setting means is invalid based on the fact that the current location of the mobile communication terminal is no longer included in the location specified by the location information corresponding to the valid payment service when the mobile communication terminal is moved. The mobile communication terminal according to claim 1, wherein the payment service is made valid.   The mobile communication according to any one of claims 1 to 3, wherein the setting means includes means for enabling a payment service that has been invalidated based on completion of automatic payment by execution of a payment function. Terminal. A program for controlling a mobile communication terminal,
The mobile communication terminal includes a storage device for storing location information indicating a place where the payment service can be received, and the location information is received by the mobile communication terminal at a location specified by the location information. Is associated with a payment service that
The mobile communication terminal includes a processor for controlling the mobile communication terminal,
The program is stored in the processor.
Obtaining position information indicating a current position of the mobile communication terminal;
Wherein among the possible payment service that the mobile communication terminal receives said with to enable the payment service that is correlated to the position information indicated by the current position, the portable communication terminal is capable of settlement service to receive among the steps to disable the payment service that are not correlated to the position information indicated by the current position,
Executing a payment function for receiving an effective payment service based on a payment instruction for receiving the payment service.

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