JPH09282376A - Transaction system using mobile communication - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which enables a customer to obtain necessary information in real time without performing terminal operation frequently and is high in throughput when a process result is obtained after a processing instruc tion is sent so that the customer use it pleasantly with respect to a transaction system which enables a customer to obtain various information from the host computer of a stock company, etc., through a terminal at hand by using a communication medium such as a telephone line or radio and carry out a selling and a purchase transaction. SOLUTION: A pager terminal machine 1 has a pager function and a tone-dial function, a process indication is sent as a tone signal from the customer to the host computer 2 through the telephone network, and a process result is received by radio. Further, the host computer 2 is connected to a security market boards, etc., and always monitors the trends of the market, and sends necessary information to the pager terminal machine 1 by radio when report conditions that the customer has set are met.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information processing system composed of a user's terminal and a central processing unit such as a host computer, and in particular, information is distributed from the central processing unit to each terminal and The present invention relates to a trading system in which trading orders, information requests and the like are transmitted from the central processing unit to the central processing unit for processing.

[0002]

2. Description of the Related Art Conventionally, various information systems have been known as a configuration in which a computer and a user's terminal are connected by a communication line and information is exchanged between the user and the computer. As one of such systems, there is also provided a service in which home investment can be made by using a home game machine or the like as a terminal and connecting to a host computer of a securities company via a commercial network. Also,
JP-A-61-86867 and JP-A-61-86
A similar system is disclosed in Japanese Patent No. 868.
In such a service, stock information is displayed in real time on the user's terminal, and a wealth of information other than stock information is also provided, so that a trading order or the like can be made from the terminal. In addition, recently, there has been a movement to realize the opening of accounts, the purchase and sale of orders, and the transmission of various kinds of information through a personal computer communication network and the Internet.

Further, Japanese Patent Laid-Open No. 6-52203 discloses that
A system is disclosed in which a user can obtain information such as voting ticket application information for horse racing and race information by using a mobile communication system. Furthermore, JP-A-7-14
In the 1447 publication, a user stores a desired voting ticket application number in an IC card or the like in advance using a portable terminal, and inserts the IC card into a dedicated terminal connected to the central processing unit to store the vote. A configuration is disclosed in which the application number is read and the voting application number is transmitted from this dedicated terminal to the central processing unit.

In any of the above-mentioned configurations, a user can obtain information services from a remote place by using various terminals,
The purpose is to realize a system that allows transactions to be conducted.

[0005]

However, the conventional system as described above has the following problems mainly when it is intended to provide a service for supporting transactions such as stock investment.

[0006] For example, since stock prices fluctuate from moment to moment, the psychology of investors wants to know the trend of market prices in real time in order not to miss the opportunity of trading.
A conventional home dealing system connects a user's or investor's terminal to a host computer such as a securities company by a telephone line. In order to keep up with market trends, the telephone line is always connected. It was necessary to keep it in a state.

Further, in the conventional system, when a request for information or a sales order is transmitted from the user side to a host computer such as a securities company, the processing result is returned to the user using the transmitted communication medium. It That is, for example, when a telephone line is connected from a terminal to a host computer and a buy / sell order is transmitted, the host computer performs processing such as checking whether the buy / sell order is valid, and then the processing result. Is sent to the user. During this time, the telephone line, which is a communication medium, remains connected.

As a matter of course, the longer the time the telephone line is connected, the greater the burden of telephone charges on the user arises. Also, since the number of telephone lines connected to the host computer is limited to some extent on the securities company side, if a certain user occupies the telephone line for a long time, other users will not be able to use this host computer. There is a problem that efficient operation cannot be performed because it is not possible to access.

Further, in the conventional system, an operation from the user side is necessary to obtain the market price information. For this reason, for users whose office hours are the same as their working hours, such as office workers, it is not possible to activate the home dealing system terminal, and mobile communication Even if it is a system used, it is not possible to frequently operate the terminal during work hours, so it is impossible to obtain desired information in real time, and there is a problem that the opportunity of transactions is often missed. is there.

[0010]

In order to solve the above problems, a transaction system using mobile communication according to claim 1 comprises a mobile terminal having a pager function, and a central processing unit connected to a telephone network. A transaction system using mobile communication in which information is transmitted from the central processing unit to a mobile terminal wirelessly, wherein the mobile terminal creates a processing instruction for a user to the central processing unit. Processing instruction creating means,
Tone signal generating means for converting the processing instruction into a tone signal and outputting the tone signal, wherein the central processing unit inputs a processing instruction transmitted as a tone signal from the mobile terminal via the telephone network; A processing means for performing processing based on a processing instruction and an output means for outputting a processing result to a wireless station for transmitting information to a mobile communication terminal are provided.

According to the above configuration, the processing instruction from the user to the central processing unit is converted into a tone signal through the telephone network such as the public telephone network and transmitted, and the processing result from the central processing unit to the user is sent. Is transmitted wirelessly using the pager function of the mobile terminal owned by the user. For this reason,
The user creates a processing instruction to the central processing unit by the processing instruction creating means, and performs a dial operation from a telephone such as a public telephone to establish a call between this telephone and the central processing unit. By inputting a processing instruction converted into a tone signal by the tone signal generating means of the mobile terminal from the mouthpiece of the telephone, the processing instruction can be given to the central processing unit.

Since the processing result is wirelessly transmitted to the mobile terminal of the user, the above call needs to be established only during the transmission of the processing instruction. You can hang up when you're done sending. As a result, the access time of each user to the central processing unit is shortened, and the burden of telephone charges on the user side can be reduced. Furthermore, since the time when the telephone line connected to the central processing unit is occupied is shortened, it is possible to reduce the probability that the telephone line is blocked when the user tries to access the central processing unit. It is possible to provide a trading system that is comfortable for users and has high operational efficiency.

Further, since the processing instruction can be issued from the mobile terminal, the user can carry out the transaction from any place having a telephone that can access the central processing unit. In addition, it is possible to prevent an erroneous input by the user by creating a processing instruction in the mobile terminal in advance and then transmitting the processing instruction to the central processing unit. Furthermore, as long as you are within the reception area,
The pager function of the mobile terminal allows the user to know the processing result anytime and anywhere, and to complete other tasks.

In the above-mentioned configuration, for example, a stock investor makes a trading order of securities to a host computer (central processing unit) of a securities company as a processing instruction, and the host computer results in a trading transaction to the stock investor. It can be suitably used for a transaction system that notifies. Alternatively, for example, a processing instruction may be issued to the host computer so as to sequentially notify the stock price of a specific stock so that the investor can see the stock price movement at the mobile terminal. As a result, it becomes possible to provide a trading system in which an investor can carry out trading without missing an opportunity without going to a store of a securities company.

According to a second aspect of the present invention, there is provided a transaction system using mobile communication, wherein the personal identification code of the user is stored in each of the user's mobile terminal and the central processing unit. The personal identification code stored in and the personal identification code stored in the central processing unit are
It is characterized in that it is updated synchronously according to a predetermined rule.

In the above configuration, the personal identification code used when issuing a processing instruction to the central processing unit is stored in each of the central processing unit and the mobile terminal of the user, and is stored in the central processing unit. The personal identification code and the personal identification code stored in the mobile terminal are synchronously updated in accordance with a predetermined rule such as circulating one digit at a predetermined timing. In transactions through communication media such as the telephone network, the user's confirmation depends largely on the personal identification code, and it is extremely important to prevent unauthorized use of the legitimate user's personal identification code by a third party. . According to the above configuration, for example, when a third party illegally acquires the PIN of the legitimate user and tries to conduct a transaction, or when the third party attempts to decode the PIN of the legitimate user. To
It is possible to reduce the probability that such a fraudulent act will succeed. As a result, it is possible to provide a highly reliable trading system.

In the transaction system using mobile communication according to claim 3, in the configuration according to claim 1, when the processing instruction input by the processing instruction input means is a trading order, the central processing unit It is characterized in that a message for confirming the contents is output to the mobile terminal via the wireless station and the trading process is executed after obtaining the user's consent.

In the above-mentioned configuration, the trading order or the like entered by the user from the mobile terminal is transmitted to the central processing unit, and the central processing unit transmits a message confirming the contents of the trading order to the mobile terminal by radio. . The central processing unit determines that the consent to enter the trading order has been obtained, for example, by inputting a confirmation signal from the user. In the case of stock trading, for example, the entry of a trading order is a process of issuing a trading order from the host computer (central processing unit) of the securities company to the stock exchange.

As described above, by entering the sales order after obtaining the user's consent, it is possible to prevent the involuntary transaction from being executed due to the user's input error or the like. It is possible to prevent an unauthorized transaction by a third party using a means other than the mobile terminal. As a result, it is possible to provide a highly reliable trading system.

In the transaction system using mobile communication according to claim 4, in the structure according to claim 1, the processing means of the central processing unit controls the processing result to be output to the output means according to the content of the processing result. A code is added to the mobile terminal, and the mobile terminal is provided with notifying means for notifying that the processing result has been received from the central processing unit, and the notifying means has a plurality of types of notification methods and is added to the processing result from the central processing unit. It is characterized in that the notification method is selected in accordance with the control code that is generated.

According to the above configuration, the processing result transmitted from the central processing unit to the mobile terminal is added with the control code according to the content of the processing result, and the mobile terminal informs according to the control code. A method is selected and the user is notified that the processing result has been received. For example, if a predetermined ringing sound is generated according to the control code,
The user can know the processing result only by hearing the ringing sound.

In a transaction system using mobile communication according to a fifth aspect, in the configuration according to the first aspect, the central processing unit stores a processing instruction storage for storing information regarding an input processing instruction and an unprocessed processing instruction. Means for outputting information stored in the processing instruction storage means to the mobile terminal via a wireless station in response to a reference request from the mobile terminal.

According to the above configuration, it is possible to cause the mobile terminal to transmit the unprocessed processing out of the processing instructed by the user.

According to a sixth aspect of the present invention, there is provided a transaction system using mobile communication according to the first aspect, wherein the processing means of the central processing unit includes a monitoring means for monitoring the trend of information relating to the transaction. If it is determined that the information on the transaction satisfies the notification conditions set by the user,
The output means outputs the notification information to the user to the wireless station.

In the above-mentioned configuration, the information regarding the transaction is, for example, the stock price in the securities transaction, the monitoring means of the central processing unit monitors the trend of the information regarding the transaction, and this information indicates the notification condition preset by the user. When it is determined that the condition is satisfied, the fact is notified to the user's mobile terminal wirelessly. For example, when investing in a transaction such as buying and selling a stock, a change in the market price, where the stock price changes rapidly in a short period of time, is a perfect opportunity, and the psychology of investors wants to trade without missing this opportunity. . According to the above configuration, for example, if the user sets a notification condition to notify when the stock price of the stock on hand exceeds a certain value, the user can see in real time that the stock price of the stock has increased. You can find out and order transactions without missing an opportunity. In addition, the user can do other work without spending unnecessary time and effort just to monitor the stock price trend.

Further, in the above-mentioned configuration, since the user's mobile terminal to which the notification information is transmitted has a pager function, the user can know the trend of information regarding the transaction in real time as long as he is within the reception area. It is possible. That is, to provide a trading system that enables users to grasp the opportunity of trading without having to go to the store of a securities company or call the securities company frequently to inquire about market conditions. Is possible.

In the transaction system using mobile communication according to claim 7, in the configuration according to claim 1, the mobile terminal does not include a radio wave detecting means for detecting the state of radio waves, a clocking means, and a wireless reception. The time storage means for storing the possible time zone, and the retransmission request means for requesting the retransmission of the information transmitted to the mobile terminal during the time zone, the central processing unit, and the information transmitted to the mobile terminal, A transmission information storage means for storing the transmission time in association with each other, and a retransmission means for extracting the information transmitted to the mobile terminal in the designated time zone from the transmission information storage means and outputting it again to the wireless station It is characterized by

According to the above construction, the time zone in which the mobile terminal is outside the reception area is stored in the time storage means, and the user retransmits the information transmitted from the central processing unit in the time zone by the resend request means. You can request. When the central processing unit receives the resend request, it extracts the information transmitted in the designated time zone from the transmitted information stored in the transmission information storage means, and transmits it to the mobile terminal wirelessly. Will be resent. As a result, even if there is information that could not be received because the user was temporarily outside the reception area, it is possible to have these information resent after entering the reception area, so important information is It is prevented from dropping. As a result, it is possible to provide a highly reliable trading system.

[0029]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to FIGS. 1 to 14.

FIG. 1 is an explanatory diagram showing a schematic configuration of a dealing system as an embodiment of the present invention. This dealing system is a host computer 2 (central processing unit) installed in a securities company or the like which is an information center.
And a pager-type terminal 1 (mobile terminal) owned by the customer, the securities company provides the customer with various information regarding securities trading, and the customer issues trading instructions to the securities company. It can be performed. The host computer 2 is connected to a computer of a stock exchange or a bank online to obtain the market trend in real time and deliver it to the customer, and, for example, give a transfer instruction to the customer's bank. Is also possible.

Information is transmitted from the host computer 2 to the pager type terminal 1 wirelessly. That is, the host computer 2 is connected to a wireless base station 4 for wirelessly transmitting information to the customer's pager type terminal 1, and various information from the host computer 2 to the pager type terminal 1 is After being wirelessly received by the pager type terminal 1, it is displayed as a message on a display device of the pager type terminal 1 which will be described later.

FIG. 2 is a block diagram showing the internal structure of the pager type terminal 1. As shown in the figure, the pager type terminal 1 has an antenna 11 for receiving a radio wave transmitted from a radio base station 4, an RF amplification section 12 for amplifying the received radio wave, and an amplified radio wave for detection. And a signal processing unit 13 that digitizes the signal. This signal processing unit 13
The (radio wave detection means) also determines whether or not the user is in the reception area by measuring the electric field strength. Further, the pager type terminal 1 includes a CPU 14 having a built-in decoder, and the CPU 14 decodes the digital signal input from the signal processing unit 13.

Further, the pager type terminal 1 has an ID RO
It has an M15, a ROM 16, and a RAM 17.
The customer number uniquely assigned to each pager-type terminal 1 is written in the ID ROM 15. A program for operating the CPU 14 is written in the ROM 16. The RAM 17 is used as a work memory or the like for the CPU 14 to temporarily store a message or the like from the host computer 2.

Further, the pager-type terminal 1 includes a key, a send button, and the like for creating requirement data (processing instruction) that the customer sends to the host computer 2 in order to give an operation instruction such as a trading instruction. A display device 19 which is realized by a key input unit 18 (processing instruction creating means) and a liquid crystal display or the like, for converting the information transmitted from the host computer 2 into a text message and displaying the text message.
And a vibrator 22 for notifying the customer by vibration that the information sent from the host computer 2 to the customer has been received, and a clock 24.

Further, the pager type terminal 1 has a tone generator 20 (tone signal generating means) for generating a tone signal.
And a speaker unit 23, and a switch 21 is provided between the tone generator 20 and the speaker unit 23. The tone generator 20 converts requirement data and various data input by the customer into the pager type terminal 1 into a tone signal and outputs the tone signal to the speaker unit 23. In addition, the speaker unit 23 generates a ringing sound for notifying the customer that the pager type terminal 1 has wirelessly received some information.
The switch 21 is connected to the N _C side when waiting for information from the host computer 2, and is automatically switched to the N _O side when transmitting the requirement data to the host computer 2.

The requirement data is transmitted from the customer side to the host computer 2 by sending a tone signal from the pager type terminal 1 through a public telephone line. That is, when the customer transmits requirement data such as a trading instruction from the pager type terminal 1 to the host computer 2, the customer uses the key input unit 18 to create the requirement data in advance in the pager type terminal 1. After that, a call is made from the public telephone to the host computer 2 of the securities company, and the speaker unit 23 of the pager type terminal 1 is attached exactly to the mouthpiece of the telephone with the telephone line connected. Further, by pressing the send button provided in the key input unit 18, the tone generator 20 converts the requirement data into a tone signal and sends it to the speaker unit 23. This allows the customer to send instructions to the host computer 2 via the public telephone line.

On the other hand, the information transmitted as the radio wave signal from the host computer 2 is received by the pager function of the pager type terminal 1 and then displayed as a message on the display device 19. Further, when the information from the host computer 2 is received, the speaker unit 23 or the vibrator 22 is driven so that the customer can detect that some information is received from the host computer 2.

Here, the format of the requirement data will be described. The requirement data transmitted from the pager type terminal 1 to the host computer 2 is the data for each pager type terminal 1.
The customer number uniquely assigned to each requirement, a requirement code indicating the requirement, and message data describing the content of the requirement and the like.

Requirements for the customer to send to the host computer 2 include, for example, an order, a service mode setting, a resend request, a setting resend request, and an order cancellation. The above orders are classified into buy orders, sell orders, spot transactions, margin transactions, stock transactions, convertible bond transactions, corporate bond transactions, government bond transactions, and the like.

The above-mentioned service mode setting is
It is used to set a desired service mode to the host computer 2 or to change the set mode. For example, a service for periodically sending the stock price of a specific stock to the pager type terminal 1. Can be selected and set by the customer. Further, the above-mentioned resend request, which will be described in detail later, is a request to the host computer 2 to resend the information transmitted by the host computer 2 while the pager type terminal 1 is outside the reception area. . As shown in FIG. 3, a peculiar requirement code shared between the pager type terminal 1 and the host computer 2 is given in advance to each of the above various requirements.

The customer uses the key input unit 18 of the pager type terminal 1 to input the requirement code assigned to the desired requirement after the customer number. The customer number is
It may be automatically read from the ID ROM 15 and added, or may be input by the customer. The message data input after the requirement code has a format according to each requirement, and the customer inputs the content of the requirement according to each format.

For example, the requirement data shown in FIG.
The customer with the customer number "163" instructs the physical stock selling order with the requirement code "003", and the message data format is such that the leading 4 digits "1111" is the issue code, and the following 4 digits "1150". Is the limit price, the next two digits are "0"
It is predetermined so that "1" indicates the number of trading shares (in units of 1000 shares). Based on this requirement data, the customer can buy a stock with the stock code “1111” for 1 unit at the limit price of 1150 yen (1 unit (1
This means that an order to sell (000 shares) has been placed at a securities company.

Further, the requirement data shown in FIG. 4 (b) is for making an order to buy a convertible bond with a requirement code "200", and the message data thereof has a leading four digits "11".
"11" is the issue code, the next 1 digit "3" is the classification number of the convertible bond, the next 4 digits "0990" is the limit price, and the following 2 digits "02"
Is a predetermined amount. According to this requirement data, the customer has instructed to buy two convertible bonds with the stock number “1111” and the classification number “3” for less than 99.0 yen.

FIG. 5 is a block diagram showing a schematic configuration of the inside of the host computer 2. As shown in the figure, the host computer 2 includes a CPU 31 (processing means), a ROM 32 in which a program for operating the CPU 31 is written, and a RAM 33 (processing instruction storage means).
And a modem 35 (processing instruction input means) connected to the public telephone line 34 and a voice synthesizer 36 for synthesizing voice messages.

The CPU 31 controls the overall operation of the host computer 2 based on the program in the ROM 32. The modem 35 receives the tone signal transmitted from the pager-type terminal 1 on the customer side via the public telephone line 34 and converts it into a digital signal which can be processed by the host computer 2.

The RAM 33 is for storing various kinds of information about the customer and various kinds of information transmitted from the customer's pager type terminal 1. As shown in FIG. A number column 33a, a name column 33b for storing the customer's name, a personal identification number column 33c for storing a personal identification number, a trading condition column 33d for storing trading limits and the like, a reporting condition column 33e for storing reporting conditions to be described later, and a description to be given later. A notification time column 33f for storing the notification time is provided.

Further, the RAM 33 has the above-mentioned columns 33a.
In addition to 33f to 33f, a customer bank (not shown) is provided for each customer. For example, customer number, bank account number, deposit amount, deposit bond / stock information, personal identification number, order processing result, and Various customer information such as completed orders is stored.

Further, the host computer 2 has a first judging section 37, a second judging section 38, and a coincidence detecting section 39.
It has. The first determination unit 37 determines whether or not the order from the customer meets the trading conditions stored in the trading condition column 33d of the RAM 33. The second judgment unit 38
Based on the information transmitted from the stock exchange to the host computer 2 in real time, it is determined whether or not the stock price of the stock designated by the customer matches the condition stored in the notification condition column 33e, and the notification condition is set. If it matches, that is, if the customer should be notified, a signal is generated to the CPU 31. The coincidence detection unit 39 determines whether or not the personal identification number transmitted from the customer matches the personal identification number stored in the personal identification number column 33c of the RAM 33.

Further, the host computer 2 comprises a notification method switching section 40 and a radio wave transmitting section 41 (output means). The notification method switching unit 40 generates a code that specifies the notification method for the pager type terminal 1 based on the determination result of the CPU 31. As will be described later, this code specifies, for example, the type of ringing sound that the pager type terminal 1 rings. The radio wave transmission unit 41 modulates information to be transmitted to the customer's pager-type terminal 1 and outputs a radio wave signal.

FIG. 6 shows that when a customer places a sales order,
7 is a flowchart showing a procedure of transmission / reception processing executed between the host computer 2 and the pager type terminal 1 (customer).

First, the customer registers in advance the desired trading order in the pager type terminal 1 as the above-mentioned requirement data, and thereafter dials the telephone number of the host computer 2 of the securities company from a public telephone or the like (step 1). ,Less than,
Notated as S1). When the host computer 2 responds and a call is established between the pager type terminal 1 and the host computer 2 (S11), the host computer 2
Synthesizes a voice message requesting the transmission of the customer number and outputs it to the telephone line (S12).

When the customer brings the speaker unit 23 of the pager type terminal 1 into close contact with the mouthpiece of the telephone and presses the transmission button provided on the key input unit 18, the tone generator 20 sets the requirement data. The customer number is converted into a tone signal and output to the speaker unit 23 (S2). The host computer 2 receives the tone signal transmitted via the telephone line, and subsequently synthesizes and outputs the voice message requesting the transmission of the personal identification number (S13). After the end of this voice message, the customer's pager type terminal 1 converts the personal identification number into a tone signal and transmits it (S3). At this time, after the pager type terminal 1 transmits the customer code in S2, S
The time interval until the personal identification number is transmitted in 3 is set appropriately according to the length of the voice message, and the customer does not need to press the transmission button again.

The host computer 2 judges whether or not the correct personal identification number has been transmitted (S14). If the personal identification number is not correct, the process returns to S13 to request the personal identification number again. When the correct personal identification number is transmitted, the host computer 2 synthesizes and outputs a voice message requesting transmission of the requirement code (S15). The customer's pager-type terminal 1 converts the requirement code into a tone signal and transmits it (S
4), the host computer 2 inputs this, synthesizes a voice message requesting transmission of message data describing the order contents, and outputs it (S16). When the customer sends message data (S5), the host computer 2 receives it.

Next, the host computer 2 synthesizes and outputs a voice message to repeat the order contents in order to confirm the order contents of the customer (S17). When the customer confirms that there is no error in the order contents by this voice message, the customer sends an acceptance code (here, "##" (S #
6). Here, when the customer hangs up the telephone, the connection between the customer side and the host computer 2 is disconnected.

After that, the first judging section 37 of the host computer 2 determines that the order contents of the customer satisfy the trading conditions stored in advance in the trading condition column 33d of the RAM 33 based on the received message data of the requirement data. Or not. When the content of the order is within the range of the sales conditions stored in the sales condition column 33d, the host computer 2 gives a unique order number to this order and notifies that the order has been accepted. An order completion message is created and wirelessly transmitted to the customer's pager-type terminal 1. If the customer's order cannot be accepted for some reason, an order refusal message may be wirelessly transmitted to the pager type terminal 1.

For each order received from the customer, the host computer 2 determines that the order entry from the customer has been obtained unless the customer cancels the order after a certain period of time. Make an entry. That is, the customer's order is transmitted to the stock exchange or the like.

7 (a) and 7 (b) show examples of formats of the order completion message and the order refusal message wirelessly transmitted from the host computer 2 to the pager type terminal 1.

The pager type terminal 1 is indicated by the first two digits "**" in the format shown in FIGS. 7 (a) and 7 (b).
Detects that this information was sent by the securities firm. In the order completion message shown in FIG. 9A, the following five digits “[[003]” indicate that this message relates to the requirement of the requirement code “003”. Further subsequent message data “11111
15001 "follows the message data format set for the requirement code" 003 ", as shown in FIG. 4 (a). Further, the subsequent digit "SS" indicates that the customer's order has been accepted, and the subsequent three digits "101" are the host computer 2
Is the order number given to the above order.

The pager type terminal 1 stores the fixed texts of various messages in advance, and when receiving the order completion message, the information obtained from this message is applied to the fixed texts and displayed on the display device 19 as a text message. To do. For example, the order completion message shown in FIG. 7A is displayed on the display device 1 as a message shown in FIG.
9 is displayed.

Further, in the order refusal message shown in FIG. 7B, the code "NS" indicating that the acceptance of this order is rejected is included after "[[003]" including the requirement code.
Then, the message number indicating the reason and additional information necessary for indicating the reason for refusal to the customer are added after “WW”. When the pager-type terminal 1 receives the order refusal message, it extracts the message corresponding to the message number from the pre-stored standard text and applies the additional information added to the order refusal message to the standard text. Then, a text message is created and output to the display device 19.
9A to 9C show examples of text messages displayed on the display device 19 when the order refusal message is received.

In the above description, an example in which an order is automatically entered assuming that the customer's consent is obtained unless the order is canceled within a certain time after the order completion message is transmitted from the host computer 2 has been described. , Besides this,
It may be assumed that the customer's consent is obtained by the customer sending the confirmation signal, and then the order may be entered.

When the customer sends the confirmation signal, after the order completion message is wirelessly transmitted from the host computer 2 to the customer's pager type terminal 1, the customer displays it on the display device 19 of the pager type terminal 1. Upon viewing the received message, the dial operation is performed from the public telephone or the like to the host computer 2.

When the host computer 2 responds and the line is connected, the host computer 2 outputs a voice message requesting the transmission of the confirmation signal. Where the customer is
The speaker unit 23 of the pager type terminal 1 is brought into close contact with the mouthpiece to send a confirmation signal converted into a tone signal to the host computer 2. Upon receiving this confirmation signal, the host computer 2 synthesizes and outputs a voice message notifying that the customer has accepted the entry, and executes the entry of the order. That is, the customer's order is transmitted to a host computer such as a stock exchange.

The format of the confirmation signal is, for example, "SS101 ##", which is "SS" indicating a confirmation signal, followed by the order number "101" of the order.
It can be configured to input "##" indicating the end of the confirmation signal. Also, for example, at the beginning of the confirmation signal,
By adding "*", it becomes possible to omit the voice message requesting the transmission of the confirmation signal.

The dealing system of the present embodiment is
The host computer 2 monitors the trend of the market price that is acquired online from the stock exchange and delivers the information to the pager type terminal device 1 of the customer. In addition, the customer sends a desired notification condition to the host computer 2 and registers it in advance so that the customer can grasp the movement of the market price in real time. It is wirelessly transmitted to the pager type terminal 1.

The notification condition transmitted from the customer to the host computer 2 is stored in the notification condition column 33e of the RAM 33. Second determination unit 38 of host computer 2
Constantly compares the current value such as stock price obtained from the stock exchange with the notification condition set by the customer, and when the notification condition is satisfied, a signal is generated to the CPU 31 and the radio wave transmitter The information is transmitted to the customer by transmitting a wireless signal via 41.

More specifically, for example, it is assumed that a customer wants to place a sell order if there is a sign that the brand on hand exceeds 750 yen. Here, the customer sets the notification condition for the host computer 2. That is, a notification condition setting instruction as shown in FIG. 10A is created, converted into a tone signal, and transmitted to the host computer 2.

In the notification condition setting message shown in FIG. 10A, the first three digits are the customer number "163". The subsequent requirement code “500” is a code for instructing the processing of the notification condition setting as shown in FIG. 3, and the first 4 digits “1111” of the message data indicate the brand, and the subsequent 2 digits “0”.
“1” means the upper limit, and the next four digits indicate the stock price. That is, here, the stock price of the stock “1111” is the upper limit value 750.
When the price is higher than the yen, it means that the processing instruction is transmitted to the host computer 2 so as to notify the customer that the notification condition is satisfied.

FIG. 10B shows an example of data wirelessly transmitted from the host computer 2 to the pager type terminal 1 when the above notification condition is satisfied. This data is
This is an example of data transmitted from the host computer 2 when the notification condition set by the notification condition setting instruction in FIG. 9A is satisfied, and the first two digits “**” indicates that the data is a securities company. "[[500]" is a requirement code, and "KK" is a notification based on the set notification condition. Furthermore, the subsequent "01" indicates that the upper limit has been set, and the subsequent 2
The 0-digit number describes the start price, high price, low price, current price, and trading volume of the designated issue in 4 digits.

When the pager-type terminal 1 receives the data shown in FIG. 11B, it applies various numerical values and the like obtained from the data to the fixed text stored in the pager-type terminal 1 and displays it in FIG. A text message as shown is displayed on the display device 19. At the same time, the speaker unit 23
Alternatively, the vibrator 22 notifies the customer that the information has been received from the host computer 2.

As described above, when the information set by the customer is satisfied, the information is transmitted from the host computer 2 to the pager type terminal 1, so that the customer does not operate the terminal by himself. Can be captured in real time. In addition, it is possible to do other work without wasting time just to follow the movement of the market.

In addition, the present dealing system stores the data transmitted from the host computer 2 to the pager type terminal 1 together with the transmission time, so that when the customer requests a retransmission later, the corresponding data is stored in the RAM 33. The feature is that the data to be extracted is extracted and retransmitted.

When the customer is outside the reception area, the data transmitted from the host computer 2 to the pager type terminal 1 is not received. Further, it is difficult for the host computer 2 side to confirm whether or not the transmitted data has been correctly received. Therefore, the pager type terminal 1 has a function of always measuring the electric field strength and storing the time zone outside the reception area, and requests the host computer 2 to retransmit the data transmitted during this time zone. Have a function.

The retransmission request process will be described in detail below. The pager-type terminal 1 has a built-in clock and further has a function of measuring the electric field strength of a received radio wave and determining whether or not it is possible to receive data wirelessly. Further, in order to store the transition of the received electric field strength over time, the memory M1, M2, and M3 (not shown) are provided, and when the electric field strength is equal to or higher than the level (within the receiving range),
The current time indicated by the clock is stored in the memory M at regular time intervals.
Record to 1. When it is detected that the electric field strength has dropped below the level, the time is recorded in the memory M2. Further, when it is detected that the electric field strength is higher than the level, the time is recorded in the memory M3.

As a result, each of the memories M2 and M3 stores the start time and the end time of the time when the pager type terminal 1 is out of the reception area. Each of the memories M2 and M3 has a plurality of storage areas and can store a plurality of times.
That is, the storage area of the memory M2 is M2 ₁ ,
_Let M2 ₂ ... M2 _n and the storage areas of the memory M3 be M3 ₁ , M3 ₂ ... M3 _n , then (M2 ₁ , M2
Each of the combinations of (3 ₁ ), (M2 ₂ , M3 ₂ ) ... (M2 _n , M3 _n ) is a combination of the start time and the end time of the time zone that is outside the reception area.

The customer generates a tone signal by pressing the resend request button provided in the key input section 18 of the pager type terminal 1, and sends information to the host computer 2 while the information is out of the reception area. Instruct to perform the process of resending.

In this case, the format of the resend request data transmitted from the pager type terminal 1 to the host computer 2 is as shown in FIG. 12 (a), for example. When the customer presses the resend request button of the pager type terminal 1, the times stored in the memories M2 and M3 are read and set, and such resend request data is automatically created. The resend request data shown in FIG. 9A is between 12:25 and 12:35 and 13:25.
It is a request for retransmission of data between 40 and 14:00.

When the host computer 2 receives the resend request data from the pager type terminal 1, the host computer 2 sends to the pager type terminal 1 during the resending request time based on the information stored in the notification time column 33f of the RAM 33. The transmitted information is searched and the information is transmitted again to the pager type terminal 1. As a result, the customer can obtain information that could not be received because the customer was outside the reception area. FIG. 12B shows an example of the format of data retransmitted from the host computer 2 to the pager type terminal 1. As shown in this format, the data to be retransmitted includes a two-digit code “RR” indicating that it is a retransmission message, and various information to be retransmitted is added after this code “RR”. It

In this dealing system, as described above, the pager type terminal 1 transmits the personal identification number and the host computer 2 collates the personal identification number with the personal identification number stored in the RAM 33. In order to prevent unauthorized access more reliably, these personal identification numbers are synchronously updated according to a predetermined rule.

Here, an example of circulating the personal identification number will be described. In the host computer 2, the personal identification number is stored in the personal identification number column 33c of the RAM 33, and in the pager type terminal 1, the personal identification number is recorded in a cyclic shift register (not shown). These PINs are the same and are circulated and updated each time an order from a customer is accepted. After accepting the order from the customer, the host computer 2 inserts a code for shifting the shift register to the left by one digit in the order completion message transmitted to the pager type terminal 1. At the same time, the personal identification number of its own RAM 33 is also shifted to the left by one digit.

For example, at present, the personal identification number is "1579924".
Assuming that "680" is stored in the personal identification number column 33c and the shift register, the above personal identification number will be "357792468" when the next order is placed from the customer.
01 "is updated. In this way, by synchronizing and circulating the personal identification number between the pager type terminal 1 and the host computer 2, a third party knows the personal identification number of the customer and attempts to make an unauthorized access by using the personal identification number. In this case, it is possible to reduce the probability that the personal identification number known to the third party matches the personal identification number that is valid at that time.
It is possible to more securely prevent unauthorized access.

In the above, the processing of the sales order has been described, but it is also possible to use this system to notify the customer of the result of the transaction. Here, depending on whether the result of the transaction is good or bad, the pager type terminal 1
A configuration for changing the ringing sound of the speaker unit 23 will be described.

In the securities transaction, the result of the transaction is whether or not the transaction is successful and how much the buy price or the sell price is successful. Therefore, if a ringing sound is determined in advance between the customer and the securities company for each degree of transaction results and a ringing sound is generated according to the results, the display device 19 of the pager type terminal 1 The customer can know how much the result was obtained without looking at the message.

In this case, the host computer 2 operates as shown in FIG.
The result report data in the format as shown in 3 is wirelessly transmitted to the pager type terminal 1. In this result report data, the two-digit code “KK” after the requirement code “003” indicates that this data is the result report data. Further, "01" after that indicates that it is a result report regarding the sell order.

Further, the above result report data includes the issue code, the selling price, the number of transaction units, the order number following the code "SS", and the ring tone selection code following the code "TT". The speaker unit 23 of the pager type terminal 1 is
It is possible to ring a plurality of types of ringing tones, and the ringing tone selection code described above is associated with each ringing tone in advance.

The host computer 2 refers to the information stored in the customer bank of the RAM 33 when transmitting the result of the transaction to the customer, and if it is judged that a good result is obtained, it is "01", and if it is normal, it is " 02 ”, or“ 0 ”if not good
3 ”is added to the result report data as a ringing tone selection code. In the pager type terminal 1, the speaker unit 23 makes a ringing sound corresponding to the ringing sound selection code, so that the customer can know the grade without looking at the display device 19.

In this dealing system, the history of transactions made by the customer in the past is stored in the RAM 33 of the host computer 2, and the history is sent by the history request data transmitted from the pager type terminal 1. It can be referred to on the display device 19 of the pager type terminal 1.

For example, it is assumed that a customer places an order for a buy order and a sell order for the host computer 2 one by one, and the order numbers assigned to these are "101" and "103". In addition, according to the purchase order with the order number “101”, the stock with the stock code “1111” will cost 1150 yen for 1
It is assumed that 000 shares have already been purchased and the sell order of the order number “103” has not been established yet. The host computer 2 stores the processing status of these orders in the RAM 33.

An example of history request data is shown in FIG. The history request data shown in FIG.
63 ", the requirement code" 300 "of the history request, and the order numbers" 101 "and" 103 "requesting the history.

When the host computer 2 receives the above-mentioned history request data, it extracts the corresponding information from the processing status stored in the RAM 33 and, as shown in FIG. Is transmitted to the pager type terminal 1 wirelessly. The above data is
The pager type terminal 1 displays a message on the display device 19 as a message. The customer can refer to this message to determine the timing of the transaction.

[0091]

As described above, the transaction system using mobile communication according to claim 1 comprises a mobile terminal having a pager function and a central processing unit connected to a telephone network. A transaction system using mobile communication for wirelessly transmitting information to a mobile terminal, wherein the mobile terminal includes a processing instruction creating unit for a user to create a processing instruction to a central processing unit, and the above processing. A tone signal generating means for converting the instruction into a tone signal and outputting the tone signal, wherein the central processing unit inputs a processing instruction transmitted as a tone signal from the mobile terminal via the telephone network;
The configuration includes a processing unit that performs processing based on a processing instruction, and an output unit that outputs a processing result to a wireless station that transmits information to a mobile communication terminal.

As a result, the user can hang up the telephone after completing the transmission of the processing instruction, so that the access time to the central processing unit of each user can be shortened and the telephone charge on the user side is burdened. Can be reduced. Furthermore, since the time when the telephone line connected to the central processing unit is occupied is shortened, it is possible to reduce the probability that the telephone line is blocked when the user tries to access the central processing unit. It has the effect of providing a transaction system that is comfortable for people. In addition, the user has the effect of being able to instruct a transaction and know the result of the transaction from any place with a telephone that can access the central processing unit.

According to another aspect of the transaction system using mobile communication of the present invention, the personal identification code of the user is stored in each of the user's mobile terminal and the central processing unit, and the personal identification code stored in the mobile terminal is stored. The personal identification code stored in the central processing unit is synchronously updated according to a predetermined rule.

As a result, when a third party attempts to illegally acquire the personal identification code of the legitimate user for a transaction, or when the third party attempts to decipher the legitimate user's personal identification code, It is possible to reduce the probability that such a fraudulent act will succeed. As a result, it is possible to provide a highly reliable transaction system.

In the transaction system using mobile communication according to claim 3, when the processing instruction input by the processing instruction input means is a buy / sell order, the central processing unit sends a message confirming the contents of the buy / sell order to the wireless station. Output to the mobile terminal via
This is a configuration in which the trading process is executed after obtaining the user's consent.

As described above, by entering the sales order after obtaining the user's consent, it is possible to prevent the involuntary transaction from being executed due to the user's input error or the like. It is possible to prevent an unauthorized transaction by a third party using a means other than the mobile terminal. As a result, it is possible to provide a highly reliable transaction system.

In the transaction system using mobile communication according to claim 4, the processing means of the central processing unit adds a control code according to the content of the processing result to the processing result output to the output means, and the mobile terminal A notification unit for notifying that the processing result has been received from the central processing unit, and the notification unit has a plurality of types of notification methods, and notifies according to the control code added to the processing result from the central processing unit. This is a configuration for selecting a method.

As a result, the user can easily identify the processing result by the difference in the notification method.

According to another aspect of the transaction system using mobile communication of the present invention, the central processing unit is provided with a processing instruction storing means for storing information regarding an input processing instruction which has not been processed, and which is transmitted from the mobile terminal. According to the reference request, the information stored in the processing instruction storage means is output to the mobile terminal via the wireless station.

As a result, it is possible to transmit an unprocessed process instructed by the user to the mobile terminal.

According to another aspect of the transaction system using mobile communication of the present invention, the processing means of the central processing unit comprises a monitoring means for monitoring the trend of information relating to the transaction, and the user sets the information relating to the transaction by the monitoring means. When it is determined that the notification condition is satisfied, the output means outputs the notification information to the user to the wireless station.

As a result, the user can know the trend of information relating to the transaction in real time as long as the user is within the reception area, and the transaction can be performed without the user having to inquire about the trend of the information by telephone or the like. It is possible to provide a trading system that can capture the opportunities of

According to another aspect of the transaction system using mobile communication of the present invention, the mobile terminal stores a radio wave detecting means for detecting the state of radio waves, a clocking means, and a time zone during which radio reception is impossible. The central processing unit stores the information transmitted to the mobile terminal and the transmission time in association with each other, and the time storage means and the retransmission request means for requesting the retransmission of the information transmitted to the mobile terminal during the time period. The transmission information storage means and the retransmission means for extracting the information transmitted to the mobile terminal in the designated time zone from the transmission information storage means and outputting it again to the wireless station.

As a result, even if there is information that could not be received because the user was temporarily out of the reception area, it is possible to retransmit these pieces of information after entering the reception area, which is important. It is possible to prevent the loss of important information. As a result, it is possible to provide a highly reliable transaction system.

[Brief description of drawings]

FIG. 1 is an explanatory diagram showing a schematic configuration of a dealing system as an embodiment of the present invention.

FIG. 2 is a block diagram showing an internal configuration of a pager type terminal used as a mobile terminal in the dealing system.

FIG. 3 is an explanatory diagram showing a setting example of a requirement code shared between a pager type terminal and a host computer in the dealing system.

FIG. 4 shows an example of a format of requirement data transmitted from a pager type terminal to a host computer, FIG. 4A is a format for placing an order to sell physical stock, and FIG. 4B is a purchase of convertible bonds. It is an example of a format for placing an order.

FIG. 5 is a block diagram showing a schematic configuration of a host computer.

FIG. 6 is a flowchart showing a procedure of transmission / reception processing executed between a host computer and a pager type terminal when a customer places a sales order.

7A and 7B are explanatory diagrams showing an example of formats of an order completion message and an order refusal message wirelessly transmitted from the host computer to the pager type terminal.

FIG. 8 is an explanatory diagram showing an example of a text message displayed on a pager type terminal to notify a customer that a sales order has been accepted.

9 (a) to 9 (c) are explanatory views each showing an example of a text message displayed on a pager type terminal when an order refusal message is received from a host computer.

FIG. 10A shows an example of a format of a notification condition setting instruction for a customer to instruct the host computer to set a notification condition, and FIG. 10B shows that the notification condition is satisfied. FIG. 6 is an explanatory diagram showing an example of a data format transmitted from the host computer to the pager type terminal in response to a request.

FIG. 11 is an explanatory diagram showing an example of a text message created and displayed by the pager type terminal when the data shown in FIG. 10B is transmitted from the host computer.

FIG. 12A shows an example of a format of resend request data transmitted from the pager type terminal to the host computer, and FIG. 12B shows resending from the host computer to the pager type terminal. It is explanatory drawing which shows an example of the format of the data made.

FIG. 13 is an explanatory diagram showing an example of a format of result report data transmitted from a host computer to cause a pager type terminal to ring a ringing tone according to a transaction record.

FIG. 14 (a) shows an example of a format of history request data transmitted to a host computer in order to request transmission of the status of a transaction made by a customer in the past, and FIG. 14 (b) shows history. It is explanatory drawing which shows an example of the format of the data which a host computer transmits to a pager type | mold terminal after receiving request data.

[Explanation of symbols]

 1 pager type terminal (mobile terminal) 2 host computer (central processing unit) 14 CPU (processing instruction creating means) 18 key input section (processing instruction creating means) 20 tone generator (tone signal generating means) 31 CPU (processing means) ) 33 RAM (processing instruction storage means) 35 Modem (processing instruction input means) 41 Radio wave transmission unit (output means)

Front page continued (72) Inventor Kana Yano 22-22 Nagaike-cho, Abeno-ku, Osaka-shi, Osaka

Claims (7)

[Claims] 1. A transaction using mobile communication, which comprises a mobile terminal having a pager function and a central processing unit connected to a telephone network, and wirelessly transmits information from the central processing unit to the mobile terminal. In the system, the mobile terminal includes processing instruction creating means for a user to create a processing instruction to the central processing unit, and tone signal generating means for converting the processing instruction into a tone signal and outputting the tone signal. A central processing unit, processing instruction input means for inputting a processing instruction transmitted as a tone signal from the mobile terminal via the telephone network; processing means for performing processing based on the processing instruction;
A transaction system using mobile communication, comprising: an output unit that outputs a processing result to a wireless station that transmits information to a mobile communication terminal. 2. The personal identification code of the user is stored in each of the mobile terminal and the central processing unit of the user, and the personal identification code stored in the mobile terminal and the personal identification code stored in the central processing unit. The transaction system using mobile communication according to claim 1, wherein and are updated synchronously according to a predetermined rule. 3. The central processing unit, when the processing instruction input by the processing instruction inputting means is a sales order, outputs a message confirming the contents of the sales order to the mobile terminal via the wireless station, and the user's request is sent. The trading system using mobile communication according to claim 1, wherein the trading process is executed after obtaining consent. 4. The processing means of the central processing unit adds a control code according to the content of the processing result to the processing result output to the output means, and the mobile terminal receives the processing result from the central processing unit. The notification means for notifying is provided, the notification means has a plurality of kinds of notification methods, and the notification method is selected according to a control code added to the processing result from the central processing unit. A transaction system using the described mobile communication. 5. The central processing unit comprises processing instruction storage means for storing information regarding an input processing instruction which has not been processed, and is stored in the processing instruction storage means in response to a reference request from a mobile terminal. 2. The transaction system using mobile communication according to claim 1, wherein the stored information is output to a mobile terminal via a wireless station. 6. The processing means of the central processing unit comprises a monitoring means for monitoring the trend of information relating to transactions, and when the monitoring means determines that the information relating to transactions satisfies the notification condition set by the user, 2. The output means outputs the notification information to the user to the wireless station.
A transaction system using the described mobile communication. 7. A mobile terminal, a radio wave detecting means for detecting a state of a radio wave, a time measuring means, a time storing means for storing a time zone during which radio reception is impossible, and the mobile terminal for moving to the time zone. A retransmission request means for requesting the retransmission of the information transmitted to the terminal, and the central processing unit stores the information transmitted to the mobile terminal and the transmission time in association with each other; and a designated time zone. 2. The transaction system using mobile communication according to claim 1, further comprising: resending means for extracting the information transmitted to the mobile terminal from the transmission information storage means and outputting the information to the wireless station again.