JP6972471B2 - User terminal device - Google Patents

Description

The present disclosure relates to a user terminal device.

A technique for performing login authentication to a user terminal using the user's myoelectric potential information is known.

Japanese Unexamined Patent Publication No. 2016-212696

By the way, in recent years, payments such as credit cards and electronic money have been diversified. For example, a user terminal device equipped with a FeliCa (registered trademark) chip can register a plurality of types of credit cards and electronic money. In this case, the user activates a payment application at the time of payment to obtain a desired value. It is necessary to select the payment method by an operation such as swiping and input authentication information such as a fingerprint, and there is room for improvement from the viewpoint of convenience and security.

Therefore, in one aspect, it is an object of the present invention to improve convenience and security while selectively using a plurality of payment methods.

On one side, it is a user terminal device that can be worn on the user's wrist.
The first acquisition unit that acquires myoelectric potential information from the wearing site,
An authentication unit that authenticates based on biometric information,
A communication unit that can communicate with external terminals,
When the authentication by the authentication unit is successful, the settlement by communication with the external terminal is performed based on the correspondence information indicating the correspondence relationship of a plurality of sets of the change mode of the myoelectric potential and the settlement method and the myoelectric potential information. Including the control unit that forms the first enableable state of settlement.
The control unit is a user terminal device capable of making a payment by a payment method associated with the change mode in which the myoelectric potential information correlates among the plurality of payment methods in the first payment enable state. Provided.

In one aspect, according to the present invention, it is possible to improve convenience and security while selectively using a plurality of payment methods.

It is explanatory drawing which shows the appearance of the user terminal apparatus by one Example. It is a figure which shows an example of the hardware composition of a processing apparatus. It is a functional block showing an example of the functional configuration of the processing device for realizing the finger pay function. It is explanatory drawing which shows an example of myoelectric potential information. It is explanatory drawing which shows an example of correspondence relation information. It is explanatory drawing which shows an example of the basic gesture data. It is explanatory drawing of the usage method of a user terminal apparatus. It is a flowchart which shows an example of the processing executed by the processing apparatus of a user terminal apparatus in a standby state. It is a flowchart which shows an example of the processing executed by the processing apparatus of a user terminal apparatus in a standby state. It is a flowchart which shows an example of the processing executed by the processing apparatus of a user terminal apparatus in the settlement possible state. This is a functional block showing an example of the functional configuration of the processing device for realizing the finger pay function according to the first modification. It is explanatory drawing of correspondence relation information by modification 1. FIG. This is a functional block showing an example of the functional configuration of the processing device for realizing the finger pay function according to the second modification. It is explanatory drawing of recommended payment method information. It is a figure which shows roughly the relationship between a server and a user terminal apparatus. It is a timing chart which shows an example of the exchange of information between a server and a user terminal apparatus.

Hereinafter, each embodiment will be described in detail with reference to the accompanying drawings.

FIG. 1 is an explanatory diagram showing the appearance of the user terminal device 10 according to the embodiment. FIG. 1 also shows an external terminal 90. The external terminal 90 is, for example, a payment terminal on the store side. For example, the external terminal 90 is a reader for FeliCa®.

The user terminal device 10 can be worn on the wrist of the user and has a ring shape. The user terminal device 10 may be a dedicated terminal for the payment function (referred to as "finger pay function") described below, and can execute applications such as telephone, mail, clock, and game. You may.

As will be described in detail later, the user terminal device 10 realizes payment by communicating with the external terminal 90. That is, when the user brings the user terminal device 10 closer to the external terminal 90, communication between the user terminal device 10 and the external terminal 90 is executed, and payment at the store is realized according to the communication result. Such a payment mode is widely known by the names of Osaifu-Keitai (registered trademark) and Apple Pay (registered trademark). The finger pay function described below utilizes such payment by short-range communication (hereinafter, simply referred to as "short-range communication payment").

The finger pay function is to move a hand (including moving a finger) while the user wears the user terminal device 10 on the wrist, and responds to the movement of the hand among a plurality of registered payment methods. This is a function that enables short-range communication payments using various types of payment methods.

Payment methods include payment by credit card, payment by electronic money, payment by prepaid card, payment by debit card, etc., and these are different types. Regarding payment by credit card, the type of payment method differs depending on the type of credit card, and the same applies to electronic money, prepaid cards, and the like.

The user terminal device 10 includes a myoelectric potential sensor 61, a vein sensor 62, an acceleration sensor 63, a GPS (Global Positioning System) receiver 64, an input device 68, an output device 69, and a processing device 100. In this embodiment, the accelerometer 63 and the GPS receiver 64 may be omitted. The acceleration sensor 63 and the GPS receiver 64 are used in the modified examples 1 and 2 described later.

The myoelectric potential sensor 61 is provided on the inner peripheral surface of the user terminal device 10 in a ring shape. When the user terminal device 10 is attached to the user, the myoelectric potential sensor 61 comes into contact with the attached portion (wrist) of the user terminal device 10 in the user. The myoelectric potential sensor 61 acquires a surface myoelectric potential signal related to the mounted portion. The surface myoelectric potential signal is generated by the electrical activity of the muscle fibers during contraction and is detected on the skin surface of the attachment site.

The vein sensor 62 is provided on the inner peripheral surface of the user terminal device 10 in the form of a ring. When the user terminal device 10 is attached to the user, the vein sensor 62 abuts or faces the attached portion (wrist) of the user terminal device 10 in the user. The vein sensor 62 acquires an image (near-infrared image) of the mounted portion when irradiated with near-infrared rays, and acquires a vein pattern (vein pattern) based on the near-infrared image.

The acceleration sensor 63 acquires an acceleration signal representing the movement of the user terminal device 10. The acceleration sensor 63 acquires an acceleration signal along three axes (three axes orthogonal to each other) fixed to the user terminal device 10.

The GPS receiver 64 receives a satellite signal from a GPS satellite and performs positioning based on the reception result of the satellite signal.

The input device 68 is, for example, a touch panel. The input device 68 may be realized by a microphone, a voice recognition engine, or the like.

The output device 69 is, for example, a display device, for example, a liquid crystal display device. The output device 69 may include a sound output device such as a speaker, a device that outputs light (for example, a device that can selectively output light of a plurality of colors), a device that generates vibration, and the like.

FIG. 2 is a diagram showing an example of the hardware configuration of the processing device 100. FIG. 2 schematically illustrates an electronic device 60 connected to the processing device 100 in relation to the hardware configuration of the processing device 100. The electronic device 60 includes various electronic components included in the user terminal device 10, that is, a myoelectric potential sensor 61, an acceleration sensor 63, a vein sensor 62, a GPS receiver 64, an input device 68, and an output device 69.

The processing device 100 includes a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, a ROM (Read Only Memory) 13, an auxiliary storage device 14, a drive device 15, and a communication interface 17 connected by a bus 19. , A wired transmission / reception unit 25 and a wireless transmission / reception unit 26 (an example of a communication unit) connected to the communication interface 17 are included.

The auxiliary storage device 14 is, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), or the like, and is a storage device for storing data related to application software or the like.

The wired transmission / reception unit 25 includes a transmission / reception unit capable of communicating using a wired network. An electronic device 60 is connected to the wired transmission / reception unit 25. However, a part or all of the electronic device 60 may be connected to the bus 19 or may be connected to the wireless transmission / reception unit 26.

The wireless transmission / reception unit 26 includes a short-range wireless communication (NFC: Near Field Communication) unit such as FeliCa (registered trademark), a Bluetooth (registered trademark) communication unit, a Wi-Fi (Wireless-Fidelity) transmission / reception unit, and the like. It may include an infrared transmitter / receiver and the like. Further, the wireless transmission / reception unit 26 is a transmission / reception unit capable of communicating using a wireless network. The wireless network may include a wireless communication network of a mobile phone, the Internet, a VPN (Virtual Private Network), a WAN (Wide Area Network), and the like.

The processing device 100 may be connectable to the recording medium 16. The recording medium 16 stores a predetermined program. The program stored in the recording medium 16 is installed in the auxiliary storage device 14 or the like of the processing device 100 via the drive device 15. The installed predetermined program can be executed by the CPU 11 of the processing device 100. For example, the recording medium 16 is a recording medium such as a CD (Compact Disc) -ROM, a flexible disk, a magneto-optical disk, or the like that optically, electrically, or magnetically records information, a ROM, a flash memory, or the like. It may be a semiconductor memory or the like that electrically records.

FIG. 3 is a functional block showing an example of the functional configuration of the processing device 100 for realizing the finger pay function. FIG. 4 is an explanatory diagram showing an example of myoelectric potential information. FIG. 5 is an explanatory diagram showing an example of correspondence information. FIG. 6 is an explanatory diagram showing an example of basic gesture data.

The processing device 100 includes a sensor information acquisition unit 110, an authentication unit 120, a control unit 130, a payment execution unit 140, a registration information output unit 150 (an example of an output unit), a notification unit 160, and a registration processing unit 170. And the registration information storage unit 172. In the sensor information acquisition unit 110, the authentication unit 120, the control unit 130, the payment execution unit 140, the registration information output unit 150, the notification unit 160, and the registration processing unit 170, the CPU 11 executes a program in a storage device such as a ROM. It can be realized by. The registration information storage unit 172 can be realized by the auxiliary storage device 14.

The sensor information acquisition unit 110 acquires various sensor information. The sensor information acquisition unit 110 includes a myoelectric potential information acquisition unit 111 (an example of a first acquisition unit) for acquiring myoelectric potential information and a vein information acquisition unit 112 (an example of a second acquisition unit) for acquiring vein information. ..

The myoelectric potential information acquisition unit 111 acquires myoelectric potential information from the myoelectric potential sensor 61. Here, the myoelectric potential information is, as an example, a time-series waveform of the surface myoelectric potential signal as shown in FIG.

The vein information acquisition unit 112 acquires vein information from the vein sensor 62. Here, the vein information is, as an example, a vein pattern.

The authentication unit 120 performs authentication based on biometric information. The authentication unit 120 includes a first authentication unit 121 and a second authentication unit 122.

The first authentication unit 121 performs user authentication by comparing the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 with the registered myoelectric potential information stored in the registered information storage unit 172. The myoelectric potential information to be compared with the registered myoelectric potential information is the myoelectric potential information acquired in the predetermined period ΔT1. The predetermined period ΔT1 is arbitrary, but in this embodiment, as an example, it is a part or all of the period in which the standby state described later is formed. The registered myoelectric potential information is information registered in advance by the user, and is generated based on the myoelectric potential information obtained when the user manually performs a predetermined operation while the user is wearing the user terminal device 10. It's okay.

The second authentication unit 122 performs user authentication by comparing the vein information acquired by the vein information acquisition unit 112 with the master vein information stored in the registration information storage unit 172. The vein information to be compared with the master vein information is the vein information acquired in the predetermined period ΔT2. The predetermined period ΔT2 is arbitrary, but in this embodiment, as an example, it is a part or all of the period in which the standby state described later is formed. The master vein information is information registered in advance by the user, and may be generated based on the vein information obtained when the user wears the user terminal device 10.

In the following, when distinguishing, the authentication process by the first authentication unit 121 is also referred to as "first authentication process", and the authentication process by the second authentication unit 122 is also referred to as "second authentication process". Also referred to as "authentication processing".

The control unit 130 is based on the correspondence information (see FIG. 5) in the registration information storage unit 172 and the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 when the authentication by the authentication unit 120 is successful. , Form a state in which short-range communication settlement is possible (hereinafter referred to as "settlement possible state") (an example of the first settlement possible state). For example, the control unit 130 may form a settlement-enabled state when the authentication by either the first authentication unit 121 or the second authentication unit 122 is successful.

When the payment is possible, the control unit 130 enables short-range communication payment by the payment method according to the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 among a plurality of pre-registered payment methods.

At this time, the control unit 130 determines the settlement method according to the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111, based on the correspondence information in the registration information storage unit 172. The correspondence information is information representing a plurality of sets of correspondences of the change mode of the myoelectric potential and the settlement method. The change mode of the myoelectric potential is a change mode when the myoelectric potential changes, and specifically, is a time-series change pattern of the myoelectric potential.

Here, the mode of change in myoelectric potential differs depending on the movement of the hand. For example, when the user moves his / her hand in the order of goo, choki, and par while the user terminal device 10 is attached, the change mode of the myoelectric potential differs depending on whether the user moves his / her hand in the order of choki, par, and goo. .. In addition, the mode of change in myoelectric potential differs for each user even if the same hand movement method is used. For example, in the example shown in FIG. 4, the myoelectric potential change mode 400 is the data of a certain user A, the myoelectric potential change mode 401 is the data of another user B, and both data have the same hand movement. It is the data at the time of. Further, the myoelectric potential change mode 403 is the data of the user A which is the same as the myoelectric potential change mode 400, but is the data when the hand movement is different from the myoelectric potential change mode 400. In consideration of this point, in this embodiment, both the user authentication and the selection of the payment method are realized based on the change mode of the myoelectric potential.

In the example shown in FIG. 5, there are three types of payment methods: credit card CA, electronic money MA, and debit card DC, and each has a myoelectric potential change mode (raw data) and a myoelectric potential change mode (conversion value). Is associated with. The example shown in FIG. 5 is assumed to be correspondence information related to the user A. When the user terminal device 10 is used by a plurality of users, the correspondence information may be set for each user.

The change mode (raw data) of the myoelectric potential is the myoelectric potential information itself acquired by the myoelectric potential information acquisition unit 111, but may be processed data. The processed data may be, for example, data from which noise or the like has been removed, data from which feature points have been extracted, or the like.

The change mode (converted value) of the myoelectric potential represents the movement of the hand corresponding to the change mode (raw data) of the myoelectric potential. That is, the change mode (conversion value) of the myoelectric potential is obtained by converting the change mode (raw data) of the myoelectric potential into information representing the movement of the hand. For example, the registered data A1 is data representing a change mode of the myoelectric potential when the user A performs a "thumbs up (thumbs up gesture)", and when the registered data A1 is converted into information representing the movement of the hand, the registered data A1 is converted into information. , "Thumbs up". As described above, the change mode (converted value) of the myoelectric potential represents the movement of the hand corresponding to the registered data, and is hereinafter referred to as “type designation gesture”.

The type designation gesture consists of one or more combinations of basic hand movements (one hand movement such as goo, choki, par, thumb up, etc.) (hereinafter referred to as "basic gesture").

In the example shown in FIG. 5, the credit card CA is associated with a type designation gesture related to a single basic gesture “thumbs up”, and the electronic money MA has two basic gestures of “choki” and “thumbs up”. A type designation gesture related to a combination of gestures is associated, and a type designation gesture related to a combination of two basic gestures "par" and "thumbs up" is associated with the debit card DC. In the modified example, a type designation gesture related to a combination of three or more basic gestures may be associated with a certain payment method.

In addition, in order to specify the type designation gesture from the change mode (raw data) of the myoelectric potential, the change mode (raw data) of the myoelectric potential when the user performs the basic hand movement (that is, the basic gesture) is useful. Is. Hereinafter, the mode of change in myoelectric potential (raw data) when such a user performs a basic gesture is referred to as “basic gesture data”. The basic gesture data may be registered by the user at the time of initial registration. In this case, the basic gesture data may be stored in the registration information storage unit 172. FIG. 6 shows an example of basic gesture data. In FIG. 6, registration data X1 to X4 corresponding to the four basic gestures “goo”, “choki”, “par”, and “thumbs up” are shown. The number of basic gestures may be 5 or more, or 3 or less. Further, the basic gesture may include not only finger movements such as "goo", "choki", and "par", but also wrist movements and the like.

In the example shown in FIG. 5, the control unit 130 is based on the correlation between the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 and the change mode (raw data) of the myoelectric potential related to the correspondence information. From among the types of payment methods, one payment method according to the myoelectric potential information is determined. For example, the control unit 130 forms a settlement-enabled state by the credit card CA when the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 and the registered data A1 correlate with each other. Similarly, when the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 and the registered data A2 correlate with each other, the control unit 130 forms a settling state by the electronic money MA. Similarly, the control unit 130 forms a settlement-enabled state by the debit card DC when the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 and the registered data A3 correlate with each other. If the registration data correlating with the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 does not exist, the control unit 130 does not form a settlement-enabled state by credit card CA or the like. Note that "correlation" between the two data means a state in which the degree of correlation between the two data is equal to or higher than a predetermined threshold value. The predetermined threshold value may be adapted according to the test result and the like.

Alternatively, the control unit 130 is a hand represented by the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 based on the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 and the registered basic gesture data. You may derive the movement of and specify the type specification gesture corresponding to the derived movement of the hand. In this case, the control unit 130 determines the settlement method associated with the type designation gesture corresponding to the derived hand movement as the settlement method according to the myoelectric potential information.

The control unit 130 preferably shifts to the standby state when the user's standby transition operation (an example of a predetermined operation) is detected based on the myoelectric potential information. The control unit 130 forms a settlement-enabled state based on the myoelectric potential information acquired in the standby state. That is, the settlement-enabled state is transitioned from the standby state. By providing the standby state, it is possible to reduce the possibility that the settlement-enabled state is unnecessarily formed due to the unintended movement of the hand by the user. In the state before the transition to the standby state (standby state), the control unit 130 monitors whether or not the user's standby transition operation is detected based on the myoelectric potential information.

The standby transition operation is optional, for example, to maintain a hand-goo state for 5 seconds. However, from the perspective of maximizing the possibility that a settlement-enabled state will be unnecessarily formed due to unintended hand movements by the user, the standby transition operation is a hand that is not normally performed. It is desirable to be a movement. For example, the standby transition operation is a finger operation that can be realized only by using both hands, for example, an operation that bends a specific finger by 45 degrees or more.

The payment execution unit 140 executes payment processing related to short-range communication payment via the wireless transmission / reception unit 26 when the user terminal device 10 is close to the external terminal 90 in a payment-enabled state. When the payment is possible, the payment execution unit 140 realizes short-range communication payment by a payment method according to the myoelectric potential information.

The registration information output unit 150 moves the hand in a change mode associated with one payment method specified by the user among the plurality of payment methods, based on the correspondence information in the registration information storage unit 172. It is converted into information representing and output. The designation of one payment method by the user can be realized, for example, via the input device 68. In the example shown in FIG. 5, when the user specifies "credit card CA", the registration information output unit 150 converts the change mode (registration data A1) associated with the credit card CA into information representing the movement of the hand. Convert and output. That is, the registration information output unit 150 outputs a “thumbs up” which is a change mode (conversion value) of the myoelectric potential related to the registration data A1. As a result, even if the user forgets the hand movement associated with the "credit card CA", when the "credit card CA" is specified, the "credit card" is based on the output of the registration information output unit 150. It is possible to know the movement of the hand associated with "CA".

The notification unit 160 performs various notifications to the user via the output device 69. The notification unit 160 includes a first notification unit 161 and a second notification unit 162.

The first notification unit 161 notifies the transition to the standby state by sound, display, vibration, light, or any combination thereof. As described above, the standby state is shifted when the standby transition operation is detected in the standby state. This makes it easier for the user who has performed the standby transition operation to determine whether or not the standby transition operation has been detected by the user terminal device 10 based on the notification from the first notification unit 161. For example, when the notification is performed by sound or vibration, it becomes easier for a visually impaired user to recognize the transition to the standby state. In addition, when the notification is performed by display, vibration, or light, it becomes easier for a user with a hearing impairment to recognize the transition to the standby state.

The first notification unit 161 preferably notifies the transition to the standby state in a notification mode according to the user's attribute. The notification mode according to the attributes of the user may be selected in advance by the user or may be automatically set. For example, a user who is visually impaired may be associated with a notification mode using sound or vibration.

The second notification unit 162 notifies the payment method for which short-range communication payment is possible in the payment-enabled state among the plurality of registered payment methods by sound, display, vibration, light, or any combination thereof. do. This makes it easier for the user to confirm whether or not the payment is made by the intended payment method based on the notification from the first notification unit 161 before the payment is made. For example, a different notification sound is assigned to each of the plurality of payment methods. In this case, the user can understand one specific payment method according to the type of notification sound. The same applies to display, vibration, light, and the like. Similarly, for example, when notification is performed by sound or vibration, it becomes easier for a visually impaired user to recognize a payment method in which short-range communication payment is possible in a payment-enabled state. Further, when the notification is performed by display, vibration, or light, it becomes easier for a user with a hearing disability to recognize a payment method in which short-range communication payment is possible in a payment-enabled state.

The second notification unit 162 preferably notifies the payment method capable of short-range communication payment in a notification mode according to the user's attribute. The notification mode according to the attributes of the user may be selected in advance by the user or may be automatically set. For example, a user with a hearing impairment may be associated with a notification mode using light or vibration.

The registration processing unit 170 performs a registration process for registering various information in the registration information storage unit 172. For example, the registration processing unit 170 performs registration processing of the above-mentioned master vein information, correspondence information, basic gesture data, and the like. At this time, the registration processing unit 170 supports the registration work by the user while outputting the guidance via the output device 69. For example, when registering the basic gesture data, the registration processing unit 170 outputs a guidance to the effect that "please do a goo by hand". Then, the registration processing unit 170 may acquire the data related to the "goo" a plurality of times, and when a certain feature (tendency) is detected, notify the "registration completed".

Registration of correspondence information may be realized by using a user terminal device other than the user terminal device 10 (for example, a smartphone or a tablet terminal), another computer (for example, a personal computer), or the like. The user may first register a plurality of payment methods in a smartphone, and then transmit the payment method registration information from the smartphone so that the wireless transmission / reception unit 26 of the user terminal device 10 receives the registration information. The wireless communication at this time may be realized based on Bluetooth (registered trademark).

When the registration processing unit 170 receives the registration information of the payment method, the registration processing unit 170 requests the user to move the hand to be associated with each payment method, and registers the myoelectric potential information (change mode of myoelectric potential) obtained at that time. do. At this time, the registration processing unit 170 may acquire the myoelectric potential information a plurality of times for each payment method, and when a certain feature (tendency) is detected, notify the "registration completed".

The correspondence-related information (FIG. 5), basic gesture data (FIG. 6), and the like described above are stored (registered) in the registration information storage unit 172. Correspondence-related information, basic gesture data, and the like may be registered for each user as described above.

Next, with reference to FIG. 7, a method of using the user terminal device 10 (finger pay function) will be outlined.

FIG. 7 is an explanatory diagram of how to use the user terminal device 10, and shows three scenes 701, 702, and 703. Here, as an example, it is assumed that the correspondence information shown in FIG. 5 is registered. Further, here, it is assumed that the user is a legitimate user and the authentication by the authentication unit 120 is successful.

In scene 701, a user wearing the user terminal device 10 on his wrist (only the hand is shown) wants to pay with a credit card CA when making a payment for shopping at a certain store. In this case, the user performs a standby transition operation to shift to the standby state (see S0), and then performs a type designation gesture corresponding to the credit card CA (see S1). When the standby state is entered, the second authentication process (authentication process using vein information) by the second authentication unit 122 may be executed. However, in the modified example, the execution timing of the second authentication process by the second authentication unit 122 may be after the type designation gesture described later is detected or before the transition to the standby state.

In scene 701, since the user wants to pay with the credit card CA, the type designation gesture that the user should perform is the type designation gesture corresponding to the credit card CA, specifically, as shown in the figure. It is a "thumbs up". If the user forgets the type designation gesture corresponding to the credit card CA, the user inquires to the user terminal device 10 by voice, for example, "Tell me the type designation gesture to call the credit card CA" (that is, the credit card). Specify CA). In this case, as described above, the registration information output unit 150 outputs an image representing "thumbs up" on the output device 69 in the form of a display device, for example. It should be noted that this output method may be realized by another method such as voice.

In the scene 701, when the user performs a type designation gesture corresponding to the credit card CA, the authentication by the first authentication unit 121 succeeds, and the user terminal device 10 forms a payment-enabled state by the credit card CA (S2). reference). At this time, the second notification unit 162 may output the image G1 representing the credit card CA on the output device 69 in the form of a display device (see S2). In addition, the second notification unit 162 may also transmit the information of the "credit card CA" to the user by voice or the like. For example, the user visually confirms the image G1 and then holds the user terminal device 10 over the external terminal 90 (see S3) to realize the payment by the credit card CA. However, the user may hold the user terminal device 10 over the external terminal 90 while making a type designation gesture. In this case, the payment by the credit card CA is realized almost at the same time when the payment enable state by the credit card CA is formed.

In scene 702, a user wearing the user terminal device 10 on his wrist (only the hand is shown) wants to pay with electronic money MA when making a payment for shopping at a certain store. In this case, the user performs a standby transition operation to shift to the standby state (see S10), and then performs a type designation gesture corresponding to the electronic commerce payment system (see S11). In this case, the type designation gesture corresponding to the electronic commerce payment system is a combination of "choki" and "thumbs up" as shown in the figure. If the user forgets the type designation gesture corresponding to the electronic commerce payment system, the user inquires to the user terminal device 10 by voice, for example, "Tell me the type designation gesture to call the electronic commerce payment system" (that is, the electronic commerce payment system). Specify MA). In this case, as described above, the registration information output unit 150 outputs an image representing the combination of “choki” and “thumbs up” on the output device 69 in the form of a display device, for example. It should be noted that this output method may be realized by another method such as voice.

In the scene 702, when the user performs the type designation gesture corresponding to the electronic money MA, the authentication by the first authentication unit 121 succeeds, and the user terminal device 10 forms a payment-enabled state by the electronic money MA (S12). reference). At this time, the second notification unit 162 may output the image G2 representing the electronic commerce payment system on the output device 69 in the form of a display device (see S12). In addition, the second notification unit 162 may also transmit the information of "electronic money MA" to the user by voice or the like. For example, the user visually confirms the image G2 and then holds the user terminal device 10 over the external terminal 90 (see S13) to realize the payment by the electronic money MA.

The same applies to scene 703, and a user wearing the user terminal device 10 on the wrist (only the hand is shown) wants to pay with a debit card DC when making a payment for shopping at a certain store. In this case, the user performs a standby transition operation to shift to the standby state (see S20), and then performs a type designation gesture corresponding to the debit card DC (see S21). In this case, the type designation gesture corresponding to the debit card DC is a combination of "par" and "thumbs up" as shown in the figure. When the type designation gesture corresponding to the debit card DC is performed, the authentication by the first authentication unit 121 succeeds, and the user terminal device 10 forms a payment-enabled state by the debit card DC (see S22). After that, for example, the user visually confirms the image G3 related to the "debit card DC" and then holds the user terminal device 10 over the external terminal 90 (see S23) to realize the payment by the debit card DC.

In this way, according to the present embodiment, the user can realize the payment by the desired payment method by the movement of the hand (here, the movement of the finger). Therefore, according to the present embodiment, the user simply performs a type designation gesture after the standby transition operation, instead of selecting a desired payment method by an operation such as swiping and inputting authentication information such as a fingerprint. Convenience is improved because payment can be realized by a desired payment method. Further, in this embodiment, as described above, the authentication process by the authentication unit 120 is automatically executed during or before and after a series of hand movements, so that the work of inputting authentication information such as a fingerprint is performed. There is no need for special work for inputting biometric information, which improves convenience.

Since the type designation gesture is executed in an environment seen by others, it may be known to others, but this point is not a big problem. This is because even if the type designation gesture is known to another person, it is unlikely that another person will form a settlement-enabled state because the myoelectric potential information differs depending on the person even if the movement of the hand is the same as described above. ..

Further, according to the present embodiment, the authentication process is executed using the myoelectric potential information and the vein information, so that the security can be enhanced. In particular, when both myoelectric potential information and venous information are used, two different biometric information will be used, so that security can be further enhanced.

In this way, according to the present embodiment, it is possible to improve convenience and security while selectively using a plurality of payment methods.

Further, according to this embodiment, since the authentication process is executed using the myoelectric potential information obtained when the user performs the type designation gesture, a gesture for authentication processing other than the type designation gesture is separately performed on the user. Compared to the case where the user can do it, the work to be done by the user is reduced and the convenience is improved.

Next, an operation example of the user terminal device 10 will be described with reference to the flowcharts of FIGS. 8 to 10. In the subsequent processing flow chart (flow chart), the processing order of each step may be changed as long as the relationship between the input and the output of each step is not impaired.

FIG. 8 is a flowchart showing an example of processing executed by the processing device 100 of the user terminal device 10 in the standby state.

In step S800, the processing apparatus 100 acquires the surface myoelectric potential signal of this cycle.

In step S802, the processing apparatus 100 stores the value of the surface myoelectric potential signal acquired in step S800 in a predetermined storage area. The predetermined storage area is set in, for example, the auxiliary storage device 14. The surface myoelectric potential signal may be stored for a predetermined time T1 (not shown) in a FIFO (First In, First Out) format, for example.

In step S804, the processing device 100 determines whether or not the standby transition operation has been executed by the user based on the time series (that is, myoelectric potential information) of the surface myoelectric potential signal stored in the predetermined storage area. If the determination result is "YES", the process proceeds to step S806, and if not, the process from step S800 is repeated.

In step S806, the processing device 100 shifts from the standby state to the standby state.

In step S808, the processing device 100 resets the time series of the surface myoelectric potential signal in the predetermined storage area and ends the standby state.

FIG. 9 is a flowchart showing an example of processing executed by the processing device 100 of the user terminal device 10 in the standby state.

In step S820, the processing device 100 acquires vein information.

In step S822, the processing device 100 executes the second authentication process based on the vein information acquired in step S820. As a result of the second authentication process, if the authentication is successful (“YES” in step S824), the process proceeds to step S828, and in other cases (“NO” in step S824), the process proceeds to step S826.

In step S826, the processing apparatus 100 determines whether or not the number of retries has reached the upper limit value. The upper limit value may be any number of 1 or more. If the determination result is "YES", the process proceeds to step S846, and in other cases, the process from step S820 is repeated for the retry of the second authentication process.

In step S828, the processing device 100 activates a timer that times out at T2 for a predetermined time. The predetermined time T2 corresponds to the upper limit of the input waiting time of the type designation gesture and is appropriately set.

In step S830, the processing apparatus 100 acquires the surface myoelectric potential signal of this cycle.

In step S832, the processing apparatus 100 stores the value of the surface myoelectric potential signal acquired in step S830 in a predetermined storage area.

In step S834, in order to detect the type designation gesture, the processing device 100 has a time series of surface myoelectric potential signals stored in a predetermined storage area (that is, myoelectric potential information) and a myoelectric potential related to correspondence information. Evaluate the correlation with the mode of change. As a result of the correlation evaluation, when there is a change mode of the myoelectric potential having a correlation with the myoelectric potential information among various change modes of the myoelectric potential related to the correspondence information, that is, when a type designation gesture is detected (step). “YES” in S836) proceeds to step S838, and in other cases (“NO” in step S836), the process proceeds to step S842.

In step S838, the processing device 100 executes the first authentication process based on the myoelectric potential information in the predetermined storage area. The process of step S840 may be realized by the process of step S834. That is, by tightening the criterion for determining whether or not to correlate (a predetermined threshold value for the degree of correlation), the correlation may mean the success of the authentication by the first authentication process. As a result of the first authentication process, if the authentication is successful (“YES” in step S840), the process proceeds to step S844, and in other cases (“NO” in step S840), the process proceeds to step S842.

In step S842, the processing device 100 determines whether or not the timer has timed out. If the determination result is "YES", the process proceeds to step S846, and if not, the process from step S830 is repeated.

In step S844, the processing device 100 forms a payment-enabled state by the payment method according to the type designation gesture detected in step S834. That is, the processing device 100 shifts from the standby state to the payment enable state by the payment method corresponding to the type designation gesture detected in step S834.

In step S846, the processing device 100 shifts from the standby state to the standby state.

FIG. 10 is a flowchart showing an example of processing executed by the processing device 100 of the user terminal device 10 in the payment-enabled state (the settlement-enabled state by the payment method corresponding to the type designation gesture detected in step S834).

In step S860, the processing device 100 determines whether or not communication with the external terminal 90 has been established. If the determination result is "YES", the process proceeds to step S864, and if not, the process proceeds to step S862.

In step S862, the processing apparatus 100 determines whether or not the predetermined termination condition is satisfied. The predetermined end condition may be satisfied, for example, when the settlement-enabled state continues for a predetermined time T3 or more. The predetermined time T3 corresponds to an appropriate duration of the settling state. If the determination result is "YES", the process proceeds to step S866, and if not, the process from step S860 is repeated.

In step S864, the processing device 100 executes a payment process related to short-range communication payment via the wireless transmission / reception unit 26. That is, the processing device 100 realizes the payment by the payment method according to the type designation gesture detected in step S834. When the payment method is payment by credit card, the payment information is transmitted from the external terminal 90 to the payment server (not shown) managed by the corresponding credit card company, and the payment is made on the payment server. Complete. When the payment method is payment by electronic money, the payment is completed on the external terminal 90. In the case of electronic money of a type in which the balance and the like are managed by a payment server (not shown), payment information is transmitted from the external terminal 90 to the payment server, and payment is completed on the payment server. When the payment method is payment by a debit card, payment information is transmitted from the external terminal 90 to a payment server (not shown) managed by the corresponding financial institution, and the payment is completed on the payment server.

In step S866, the processing device 100 shifts from the settlement-enabled state to the standby state.

According to the processes shown in FIGS. 8 to 10, the standby state is entered only when a predetermined operation is detected in the standby state. It is possible to reduce the possibility that a payment-enabled state is formed when the user does not intend. Further, since the payment-enabled state is formed by the payment method according to the type designation gesture, it is possible to form the payment-enabled state by the payment method that matches the user's intention among the plurality of payment methods.

In the processes shown in FIGS. 8 to 10, the first authentication process is executed in the standby state, but may be executed in place of or in addition to the first authentication process in the standby state. In this case, for example, the first authentication process may be executed based on the myoelectric potential information related to the standby transition operation. In this case, if the authentication by the first authentication process is not successful, the standby state may not be entered.

Further, in the processes shown in FIGS. 8 to 10, the second authentication process is executed in the standby state, but may be executed in place of or in addition to the second authentication process in the standby state. In this case, if the authentication by the second authentication process is not successful, the standby state may not be entered.

Next, various modifications to the above-described embodiment will be described with reference to FIGS. 11 and 11.

<Modification 1>
The first modification is different from the above-described embodiment in that the acceleration information is further used to form a settlement-enabled state. In this modification, components that may be the same as those in the above-described embodiment may be designated by the same reference numerals and description thereof may be omitted.

FIG. 11 is a functional block showing an example of the functional configuration of the processing device 100A for realizing the finger pay function according to this modification. FIG. 12 is an explanatory diagram of correspondence information according to this modification.

In the processing device 100A according to the present modification, the sensor information acquisition unit 110 is replaced by the sensor information acquisition unit 110A, and the control unit 130 is replaced with the control unit 130A with respect to the processing device 100 according to the above-described embodiment, as shown in FIG. The main difference is that the registered information storage unit 172 is replaced by the registered information storage unit 172A.

The sensor information acquisition unit 110A is different from the sensor information acquisition unit 110 according to the above-described embodiment in that the acceleration information acquisition unit 113 (an example of a third acquisition unit) that acquires acceleration information (an example of motion information) is further included.

The acceleration information acquisition unit 113 acquires acceleration information from the acceleration sensor 63. Here, the acceleration information is, for example, a time-series waveform of an acceleration signal.

When the authentication by the authentication unit 120 is successful, the control unit 130A has the correspondence information (see FIG. 12) in the registration information storage unit 172A, the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111, and the acceleration information. Based on the acceleration information acquired by the acquisition unit 113, a state in which short-distance communication settlement is possible (settlement possible state) (an example of the first settlement possible state) is formed.

At this time, the control unit 130A registers the settlement method according to the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 and the acceleration information acquired by the acceleration information acquisition unit 113, and the correspondence information in the registration information storage unit 172A. To decide based on. The correspondence information is information representing a plurality of sets of correspondences between the change mode of myoelectric potential and the change mode of acceleration and the settlement method. The change mode of the acceleration is a change mode when the acceleration changes, and specifically, is a time-series change pattern of the acceleration.

In the example shown in FIG. 12, there are three types of payment methods: credit card CA, electronic money MA, and debit card DC, and the change mode of myoelectric potential (raw data) and the change mode of myoelectric potential (conversion value), respectively. And the change mode of acceleration are associated with each other. That is, in this modification, the change mode of the myoelectric potential is associated with the payment method in combination with the acceleration of the user terminal device 10 (that is, the acceleration of the mounted portion of the user terminal device 10).

In the example shown in FIG. 12, the control unit 130A correlates the myoelectric potential information acquired by the myoelectric potential information acquisition unit 111 with the change mode (raw data) of the myoelectric potential related to the correspondence information, and the acceleration information. One of the three payment methods, one payment method according to the myoelectric potential information and the acceleration information, based on the correlation between the acceleration information acquired by the acquisition unit 113 and the change mode of the acceleration related to the correspondence information. To determine. For example, when the myoelectric potential information correlating with the registered data A1 is acquired and the acceleration information correlating with the registered data B1 is acquired, a settlement-enabled state by the credit card CA is formed.

Here, the acceleration information is different from the myoelectric potential information and is not suitable for authentication, but like the myoelectric potential information, it is different information according to the movement of the hand. According to this modification, by associating the payment method with the combination of the acceleration information and the myoelectric potential information, it is possible to further cope with the diversification of the payment method.

In this modification, the acceleration information from the acceleration sensor is used, but the angular velocity information from the gyro sensor (another example of the motion information) may be used in place of or in addition to the acceleration sensor.

<Modification 2>
The second modification is different from the above-described embodiment in that the position information is further used to form a settlement-enabled state. In this modification, components that may be the same as those in the above-described embodiment may be designated by the same reference numerals and description thereof may be omitted.

FIG. 13 is a functional block showing an example of the functional configuration of the processing device 100B for realizing the finger pay function according to this modification. FIG. 14 is an explanatory diagram of recommended payment method information.

In the processing device 100B according to the present modification, as shown in FIG. 13, the sensor information acquisition unit 110 is replaced with the sensor information acquisition unit 110B with respect to the processing device 100 according to the above-described embodiment, and the second control unit 130B and the second control unit 130B 2 The main difference is that the registration processing unit 170B is added and the registration information storage unit 172 is replaced by the registration information storage unit 172B.

The sensor information acquisition unit 110B is different from the sensor information acquisition unit 110 according to the above-described embodiment in that the sensor information acquisition unit 110B further includes a position information acquisition unit 114 (an example of a fourth acquisition unit) for acquiring position information.

The position information acquisition unit 114 acquires position information from the GPS receiver 64. The information source of the position information is not limited to the position information from the GPS receiver 64. A method of acquiring location information using a base station of a mobile phone or Wi-Fi may be used.

The second control unit 130B functions when the control unit 130 does not function. That is, either one of the second control unit 130B and the control unit 130 functions. In this modification, as an example, the control unit 130 functions in the normal mode, and the control unit 130B functions in the automatic mode. The switching between the normal mode and the automatic mode may be realized by an instruction from the user (for example, an instruction via the input device 68).

The second control unit 130B is based on the recommended payment method information (see FIG. 14) in the registration information storage unit 172B and the location information acquired by the location information acquisition unit 114 when the authentication by the authentication unit 120 is successful. Then, a settlement-enabled state (an example of the second settlement-enabled state) is formed.

As shown in FIG. 14, the recommended payment method information has a position range associated with the payment method. Specifically, the payment method "credit card CB" is associated with a plurality of position ranges C1, C2, .... The position range C1 may be defined by, for example, a range of a predetermined radius centered on coordinates (latitude, longitude). Similarly, the payment method "electronic money MA" is associated with a plurality of position ranges D1, D2, ..., And the payment method "debit card DC" is associated with a plurality of position ranges E1, E2, ... Are associated with each other.

In the example shown in FIG. 14, the second control unit 130B forms a settlement-enabled state by the credit card CB when the position information is within the position range C1. Similarly, when the position information is within the position range D1, the second control unit 130B forms a settlement-enabled state by the electronic money MA.

The second registration processing unit 170B stores (registers) the recommended payment method information in the registration information storage unit 172B. The second registration processing unit 170B may store the recommended payment method information after generating the recommended payment method information according to, for example, an instruction from the user. Alternatively, the second registration processing unit 170B may automatically generate the recommended payment method information by learning or the like, and then store the recommended payment method information. In this case, the recommended payment method information in the registration information storage unit 172B may be updated by ex post facto learning. Specifically, the second registration processing unit 170B is a recommended payment method in the registration information storage unit 172B so as to match the past payment method selection history based on the user's payment method selection history in the normal mode. You may update the information. For example, when the credit card CA is frequently used in the position range F1, the second registration processing unit 170B stores (updates) the recommended payment method information in which the position range F1 is associated with the credit card CA.

Further, the second registration processing unit 170B may automatically generate recommended payment method information and then store the recommended payment method information from the viewpoint of ease of points. For example, at a certain affiliated store, it is assumed that using a credit card CA is more advantageous than using an electronic commerce payment system. In this case, the second registration processing unit 170B may store (update) the recommended payment method information in which the position range in which the store of the series exists is associated with the credit card CA.

In this modification, the payment method is associated with the position range, but the present invention is not limited to this. For example, a point card may be associated with a position range. A point card is a card to which a predetermined point is given by presenting it at a store or the like or by reading it magnetically or optically. As with payment methods, points are also diversified, and there are various types of points. For example, a certain point is given at the store of the series P1, but another point is given at the store of the series P2. Therefore, the points to be given (point cards to be presented) may be associated with the position range. In this case, the second control unit 130B determines a point card according to the position range, and forms a state in which the determined point card can be presented. As with credit cards and electronic money, points related to point cards may be awarded by short-range communication between the user terminal device 10 and the external terminal 90 via a wireless transmission / reception unit 26. ..

Further, this modification can be combined with the above-mentioned modification 1. That is, in the above-mentioned modification 1, the second control unit 130B or the like may be provided.

<Modification 3>
The third modification is different from the above-described embodiment in that the server executes a part of the processing related to the finger pay function.

FIG. 15 is a diagram schematically showing the relationship between the server 200 and the user terminal device 10. FIG. 16 is a timing chart showing an example of information exchange between the server 200 and the user terminal device 10.

The server 200 is formed by, for example, a server computer. The server 200 may be realized by a plurality of types of server computers. For example, the server 200 may include a payment server (see variant 4 below) associated with various payment methods.

The server 200 and the user terminal device 10 can communicate with each other in both directions via the network 4. The network 4 may include the Internet, a WAN (Wide Area Network), a wireless communication network, a wired network, or any combination thereof.

In this modification, a part of the functions of the processing device 100 shown in FIG. 3 is realized by the server 200. The function realized by the server 200 is an arbitrary part of the function of the processing device 100, and may be, for example, a part of the function of the control unit 130.

For example, as shown in FIG. 16, in the user terminal device 10, the sensor information acquisition unit 110 acquires various sensor information (myoelectric potential information, vein information, etc.) (step S161), and transmits the various sensor information to the server 200. (Step S162). The server 200 holds master vein information, correspondence information, basic gesture data, etc., and when it receives various sensor information (step S163), it performs authentication processing (step S164) and is based on the correspondence information. , The payment method according to the received myoelectric potential information is specified (step S165). A command is transmitted to the user terminal device 10 so as to form a payment-enabled state by the specified payment method (step S166). Upon receiving the command (step S167), the user terminal device 10 forms a payment-enabled state by the payment method according to the command (step S168), and when communication with the external terminal 90 is established, the user terminal device 10 performs payment processing related to short-range communication payment. Execute (step S169).

According to the example shown in FIG. 16, since the authentication process and the process of specifying the payment method according to the myoelectric potential information are executed on the server 200 side, the processing load of the user terminal device 10 can be reduced.

<Modification example 4>
The fourth modification is different from the above-described embodiment in that the user terminal device 10 transmits the payment information to the server. Specifically, in the above-described embodiment, when the payment is completed, the payment information is transmitted from the external terminal 90 to the payment server (not shown) as needed.

On the other hand, in the modification 4, the payment information is transmitted from the user terminal device 10 communicating with the external terminal 90 to the payment server (not shown) as needed. Specifically, when the user holds his / her hand over the external terminal 90, the user terminal device 10 acquires the payment amount from the external terminal 90 by communicating with the external terminal 90. When the user terminal device 10 acquires the payment amount from the external terminal 90, the user terminal device 10 obtains the payment information including the payment amount and the information of the payment method according to the myoelectric potential information on the corresponding payment server (corresponding to the myoelectric potential information). Send to the payment server associated with the payment method). For example, when the payment method is payment by credit card, payment information is transmitted from the user terminal device 10 to a payment server (not shown) managed by the corresponding credit card company, and payment is made on the payment server. Is completed. When the payment method is payment by electronic money and the balance or the like is managed by the payment server (not shown), the payment information is sent to the payment server by the user terminal device 10. Is sent from, and the payment is completed on the payment server. When the payment method is payment by a debit card, payment information is transmitted from the user terminal device 10 to a payment server (not shown) managed by the corresponding financial institution, and the payment is completed on the payment server.

Although each embodiment has been described in detail above, the present invention is not limited to a specific embodiment, and various modifications and changes can be made within the scope of the claims. It is also possible to combine all or a plurality of the components of the above-described embodiment.

For example, in the above-described embodiment, as a preferred example, the processing device 100 includes a registration information output unit 150 and a notification unit 160, but at least one of the registration information output unit 150 and the notification unit 160 may be omitted. ..

Further, in the above-described embodiment, as a preferable example, the correspondence information is associated with the myoelectric potential change mode (raw data) and the myoelectric potential change mode (conversion value) in the settlement method. Not limited. For example, one of the change mode of myoelectric potential (raw data) and the change mode of myoelectric potential (converted value) may be omitted. This is because the change mode (raw data) of the myoelectric potential and the change mode (conversion value) of the myoelectric potential can be derived from one to the other via the basic gesture data. Further, when the registration information output unit 150 is omitted as described above, the basic gesture data is also unnecessary, and the correspondence information may be associated with the change mode (raw data) of the myoelectric potential with the settlement method. ..

Further, in the above-described embodiment, the settlement method in which the settlement is possible is selected according to the myoelectric potential information, but the present invention is not limited to this. For example, a point card that can be presented may be selected according to the myoelectric potential information.

Further, in the above-described embodiment, the myoelectric potential information is used for selecting a payment method to be settled, but may be used for an operation instruction. For example, regarding an opening / closing operation for a door capable of opening / closing control, the user terminal device 10 issues a command for instructing the opening of the door when the myoelectric potential information associated with the opening of the door is detected. (Not shown) may be transmitted.

Further, in the above-described embodiment, when the standby transition operation is a finger operation that can be realized only by using both hands, the user may notify the processing device 100 in advance. The notification may be a special input, for example, similarly, a finger movement that can only be achieved using both hands. In this case, even if the user is forced by another person to form a hand (the shape of the hand related to the standby transition operation), the transition to the standby state becomes difficult, which is effective for crime prevention.

Further, in the above-described embodiment, there is only one type of standby state, but two types of standby states may be formed. In this case, the feasible payment method may differ depending on the standby state. For example, in the first standby state, a payment method for low-value payment may be associated, and in the second standby state, a payment method for high-value payment may be associated. In this case, the standby transition operation also differs depending on the standby state to be migrated.

Further, in the above-described embodiment, the myoelectric potential information of the hand is used, but instead of or in addition to this, the myoelectric potential information of the foot or another part may be used. For example, even in the case of a foot, the myoelectric potential changes simply by putting a weight on one foot, tilting it back and forth, left and right, and moving the weight. When attached to the foot, the external terminal 90 may be placed at the foot. Further, the security may be further enhanced by associating the combination of the myoelectric potential information of the hand and the myoelectric potential information of the foot with the payment method.

Further, in the above-described embodiment, the hand on which the user terminal device 10 is attached may be the dominant hand of the user or the non-dominant hand. Further, the user can selectively use the case where the user terminal device 10 is attached to the dominant hand and the case where the user terminal device 10 is attached to the non-dominant hand. This is because the dominant hand and the non-dominant hand tend to change in the myoelectric potential even if the movement of the same hand is the same. For example, when the user terminal device 10 is attached to the dominant hand, the user may use it for low-value payment, and when the user terminal device 10 is attached to the non-dominant hand, the user may use it for high-value payment, or vice versa. good.

4 Network 10 User terminal device 14 Auxiliary storage device 15 Drive device 16 Recording medium 17 Communication interface 19 Bus 25 Wired transmitter / receiver 26 Wireless transmitter / receiver 60 Electronic device 61 Myoelectric potential sensor 62 Venous sensor 63 Acceleration sensor 64 GPS receiver 68 Input device 69 Output device 90 External terminals 100, 100A, 100B Processing device 110, 110A, 110B Sensor information acquisition unit 111 Myoelectric potential information acquisition unit 112 Vein information acquisition unit 113 Acceleration information acquisition unit 114 Position information acquisition unit 120 Authentication unit 121 First authentication unit 122 2nd authentication unit 130, 130A Control unit 130B 2nd control unit 140 Settlement execution unit 150 Registration information output unit 160 Notification unit 161 1st notification unit 162 2nd notification unit 170 Registration processing unit 170B 2nd registration processing unit 172, 172A , 172B Registration information storage 200 server

Claims (12)

A user terminal device that can be worn on the user's wrist.
The first acquisition unit that acquires myoelectric potential information from the wearing site,
An authentication unit that authenticates based on biometric information,
A communication unit that can communicate with external terminals,
When the authentication by the authentication unit is successful, the settlement by communication with the external terminal is performed based on the correspondence information indicating the correspondence relationship of a plurality of sets of the change mode of the myoelectric potential and the settlement method and the myoelectric potential information. Including the control unit that forms the first enableable state of settlement.
The control unit is a user terminal device capable of making a payment by a payment method associated with the change mode in which the myoelectric potential information correlates among the plurality of payment methods in the first payment enable state. The user terminal device according to claim 1, wherein the biometric information includes the myoelectric potential information. It further includes a second acquisition unit that acquires vein information from the attachment site.
The user terminal device according to claim 1 or 2, wherein the biometric information includes the vein information. It further includes a third acquisition unit that acquires movement information that represents the movement of the mounted part.
The correspondence relationship includes a correspondence relationship between the change mode combined with the movement of the mounted portion and the payment method.
The control unit further forms the first settlement-enabled state based on the motion information.
In the first settlement-enabled state, the control unit is the change mode in which the myoelectric potential information correlates among the plurality of payment methods, and the change combined with the movement with which the motion information correlates. The user terminal device according to any one of claims 1 to 3, which enables payment by an associated payment method. It further includes a fourth acquisition unit that acquires position information indicating the position of the user terminal device.
Further, when the authentication by the authentication unit is successful, the control unit further forms a second settlement-enabled state in which payment can be made by communication with the external terminal based on the location information.
The control unit according to any one of claims 1 to 4, which enables the payment by the payment method according to the position of the user among the plurality of payment methods in the second payment enable state. The user terminal device described. Based on the correspondence information, the output unit that converts the change mode associated with one payment method specified by the user among the plurality of payment methods into information representing the movement of the hand and outputs the information. The user terminal device according to any one of claims 1 to 5, further comprising. When a predetermined operation of the user is detected based on the myoelectric potential information, the control unit shifts to the standby state, and the first settlement-enabled state is based on the myoelectric potential information acquired in the standby state. The user terminal device according to any one of claims 1 to 6, wherein the user terminal device is formed. The user terminal device according to claim 7, wherein the predetermined operation is a finger operation that can be realized by using both hands. The user terminal device according to claim 7, further comprising a first notification unit that notifies the transition to the standby state in a notification mode according to the user's attribute. Any one of claims 1 to 9, further including a second notification unit that notifies the payment method that can be settled among the plurality of payment methods in a notification mode according to the user's attribute. The user terminal device according to the section. The user terminal device according to claim 9 or 10, wherein the notification mode includes sound, display, vibration, light, or a combination thereof. The user terminal device according to any one of claims 1 to 10, further comprising a storage unit for storing the correspondence information.

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