WO2007113921A1

WO2007113921A1 - Portable terminal

Info

Publication number: WO2007113921A1
Application number: PCT/JP2006/307367
Authority: WO
Inventors: Takahiro Ohyama
Original assignee: Panasonic Corporation
Priority date: 2006-04-06
Filing date: 2006-04-06
Publication date: 2007-10-11

Abstract

A portable terminal where conditions for permitting a settlement using a credit function can be flexibly set at any time by another portable terminal. Before a settlement is actually made, a credit function section (110) of the portable terminal (100) outputs, along with information representing conditions of the portable terminal (100) at the time of the settlement, a request for judgment of whether the settlement can be made. A credit function control section (120) compares conditions of settlement permission that a section (150) for managing conditions of settlement permission holds and the request that is sent from the credit function section (110) and requests judgment of whether the settlement can be made, and then determines whether the settlement corresponding to the request is to be permitted. When permitted, the credit function control section (120) outputs and transmits to the credit function section (110) that the settlement is permitted. When not permitted, the credit function control section (120) sends, via a communication function section (130), a request for judgment of whether the settlement can be made to another portable terminal where conditions of settlement permission are set. Thus, unexceptional settlement not satisfying conditions of settlement permission can be permitted by a safe method.

Description

Specification

Mobile device

Technical field

The present invention relates to a mobile terminal, and more particularly, to a mobile terminal having a credit function.

Background art

[0002] In recent years, technologies for purchasing products and services using portable terminals having an IC (Integrated Circuit) card function and portable terminals having an infrared interface have appeared. In such a technology, it is possible to conduct a commercial transaction using intangible electronic money by depositing (charging) banknotes or coins having tangible value in advance in a portable terminal. Similarly, business transactions can be made by providing a credit card function to the mobile terminal.

[0003] Since electronic money, which is intangible value, is circulated, when business transactions using electronic money are actively conducted, electronic money is exchanged in the same manner as for the exchange of banknotes and coins, which are tangible value. It is thought that there will be many scenes in which a mobile terminal is exchanged between users.

[0004] By the way, the exchange of electronic money between mobile terminals and the management of electronic money such as commercial transactions using electronic money (including credit card functions) are completely free under the individual responsibility of the mobile terminal user. If it can be done, various harmful effects may occur. For example, a child may use electronic money that is given and received for the purchase of stationery, including maternal power, to purchase TV game software.

[0005] For example, Patent Document 1 and Patent Document 2 describe techniques for reducing the adverse effects of commercial transactions using electronic money in which electronic money is used for purposes other than the original purpose of use. .

[0006] In Patent Document 1, by restricting the purpose of use of electronic money when electronic money is exchanged, the user of the mobile terminal to which the electronic money has been awarded performs payment using the electronic money Sometimes, a technique for enabling payment within the intended use and disabling payment outside the intended use is disclosed.

[0007] In addition, Patent Document 2 describes usage such as the number of times used, usage time, usage location, and billing (total) amount. A technology is disclosed in which a credit card assigned with a restricted credit card number is provided and the use of the credit card is stopped when the use restriction condition is not satisfied due to the use of the credit card.

Patent Document 1: Japanese Patent Application Laid-Open No. 2004-102726

Patent Document 2: Japanese Translation of Special Publication 2002-537619

Disclosure of the invention

Problems to be solved by the invention

[0008] However, in the technique described in Patent Document 1, the use purpose of electronic money is limited only to the granted electronic money, and the electronic money owned by the user of the portable terminal is comprehensive. There is a problem that management has certain limits. Moreover, there is a problem in that it is difficult to flexibly limit payments because the content of payment restrictions that determine whether or not to enable payments is limited to the purpose of using electronic money.

[0009] In addition, the technology described in Patent Document 2 requires a central processing system for determining whether or not power settlement is possible, which can flexibly set the restriction conditions for settlement by credit card. There is a problem that much labor and cost are required for infrastructure development.

[0010] Furthermore, it is difficult to change in real time the settlement execution restriction conditions once set in either of the techniques described in Patent Document 1 and the technique described in Patent Document 2. Therefore, even if it is desired to exceptionally allow payments that do not satisfy the restriction conditions, there is a possibility that an inconvenient situation may occur in which payment cannot be performed due to the set restriction conditions.

An object of the present invention is to provide a mobile terminal that can flexibly control settlement by a credit function.

Means for solving the problem

[0012] The mobile terminal of the present invention manages a credit function unit that performs payment processing by communicating with an external device having a payment processing function, and a payment permission condition that restricts the contents of the payment processing performed by the credit function unit. A credit function control unit that controls a settlement process performed by the credit function unit, and the settlement permission condition can be set at any time by another mobile terminal. Take the configuration.

The invention's effect

[0013] According to the present invention, payment by the credit function of the mobile terminal can be managed and restricted from other mobile terminals as needed, and the conditions for permitting payment can be set flexibly.

[0014] Further, according to the present invention, even when payment by the credit function is not permitted, an exception can be obtained by sending a payment permission request to another mobile terminal that manages and restricts payment. A request for approval of a typical settlement can be made in real time.

[0015] Further, according to the present invention, when communication with other mobile terminals is performed on information related to the management and restriction of payment by the credit function of the mobile terminals, mutual authentication operations are performed between the mobile terminals. Therefore, it is possible to improve the security of payment management and restrictions by the credit function.

Brief Description of Drawings

FIG. 1 is a diagram showing a configuration of a mobile terminal according to Embodiment 1 of the present invention.

2 is a diagram showing in detail the configuration of the credit function control unit of the mobile terminal in FIG.

FIG. 3 is a sequence diagram showing a process for setting a payment permission condition between the setting-side mobile terminal and the setting-side mobile terminal.

[Fig. 4] A diagram showing an example of a message indicating that a request for setting a payment permission condition has been rejected. [Fig. 5] A diagram showing an example of a message requesting input of a password.

[Figure 6] A diagram showing an example of payment permission condition setting information

[Fig.7] A diagram showing another example of setting information for payment permission conditions

FIG. 8 is a sequence diagram showing an example of payment processing of a mobile terminal for which payment permission conditions are set

[FIG. 9] Sequence diagram showing an example of processing of a mobile terminal after payment is refused

[FIG. 10] Sequence diagram following FIG. 9 showing an example of processing of the mobile terminal after payment is refused.

[FIG. 11] A diagram showing an example of payment permission request information

FIG. 12 shows a configuration of a mobile terminal according to Embodiment 2 of the present invention.

FIG. 13 is a diagram showing in detail the configuration of the credit function control unit and communication function unit of the mobile terminal in FIG.

BEST MODE FOR CARRYING OUT THE INVENTION [0017] For the purposes of this specification, the term "portable terminal" refers to the equipment and status of the place of use represented by mobile phones such as mopile PCs (Personal Computers), PDAs (Personal Digital Assistants), and wearable computers. It means a terminal that can be used regardless of

[0018] Further, in this specification, "settlement" means purchasing goods or services by using an electronic manager with a credit function of a mobile terminal or by a credit card function. “Electronic money” means all monetary values expressed in digital data. For example, according to the number of points, “electronic points” can be exchanged for products such as air tickets that are actually sold for money. It is a concept including "

Further, in this specification, “settlement permission condition” means a condition permitting use of a settlement function of a mobile terminal such as a time and place where settlement is possible and an upper limit amount.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

[0021] (Embodiment 1)

FIG. 1 is a diagram showing a configuration of mobile terminal 100 according to Embodiment 1 of the present invention.

In FIG. 1, the mobile terminal 100 includes a credit function unit 110, a credit function control unit 120, and a communication function unit 130. In addition, the mobile terminal 100 urges the user's attention by emitting a speaker 141 that outputs sound to the user in response to input information, a display 142 that displays various information such as character information and graphics, and light emission. It has LED (Light Emitting Diode) 143.

[0023] At the time of settlement, the mobile terminal 100 performs settlement processing by communicating with a credit card settlement apparatus 200 installed in a convenience store, a vending machine, a leisure facility, or the like.

[0024] The credit function unit 110 communicates with the credit card settlement apparatus 200 to perform settlement processing.

The credit function unit 110, together with information indicating the status of the mobile terminal 100 at the time of payment (for example, current time, payment location, payment amount, payment details information, balance after payment, etc.) before the actual payment. Then, the settlement capability determination request is output to the credit function control unit 120. The credit function unit 110 performs payment processing only when a response indicating that payment is permitted is returned in response to a payment permission determination request !, and does not permit payment for a payment permission determination request. When the response is returned, do not process the payment.

[0025] The credit function control unit 120 controls the settlement process performed by the credit function unit 110. Ingredients Specifically, the credit function control unit 120 manages and holds a settlement permission condition for permitting the settlement process of the mobile terminal 100, and compares the settlement permission condition with the settlement permission determination request from the credit function unit 110. Then, it is determined whether or not the settlement corresponding to the settlement acceptability judgment request is permitted. Then, the credit function control unit 120 outputs a response to the effect that the settlement is permitted to the credit function unit 110 when the settlement is permitted, and the settlement function is permitted via the communication function unit 130 when the settlement is not permitted. Send a settlement permission request to other mobile terminals for which conditions have been set.

[0026] Whether or not to send a payment permission request to another mobile terminal for which payment permission conditions have been set can be determined by the user of mobile terminal 100 that has received a determination that payment is not permitted. For example, when the user of the mobile terminal 100 accepts the determination that the payment is not permitted, the payment processing is terminated without transmitting the settlement permission request. That is, the payment permission request is transmitted when exceptional payment processing is performed regardless of the contents of the set payment permission conditions.

[0027] The communication function unit 130 performs a one-to-one secure communication with another mobile terminal in which a communication path secured between the mobile terminal 100 and the other mobile terminal is completely protected. . The communication function unit 130 communicates with another mobile terminal and sets a settlement permission condition for the own terminal from another mobile terminal or sets a settlement permission condition for another mobile terminal.

[0028] Various forms such as, for example, wireless communication, wired communication, and infrared communication can be applied to communication between the communication function unit 130 and other portable terminals. In addition, these functions may be originally built in the mobile terminal 100 or may be obtained by connecting to an external terminal of the mobile terminal 100.

[0029] Next, the credit function control unit 120 will be described in more detail with reference to FIG.

FIG. 2 is a diagram showing in detail the configuration of the credit function control unit 120 of the mobile terminal 100 of FIG.

In FIG. 2, the credit function control unit 120 includes a settlement permission condition management unit 150, a settlement permission determination unit 160, an authentication function unit 170, and a warning unit 180.

The payment permission condition management unit 150 manages and holds the payment permission conditions set via the communication function unit 130. The payment permission condition is a condition that permits the use of the payment function of the mobile terminal 100 such as the time and place where payment is possible and the upper limit amount. The payment permission conditions are It can be updated or deleted by the mobile terminal via the communication function unit 130 and set as needed.

[0033] By setting the settlement permission condition, for example, “only from 1 pm to 6 pm every Sunday”, “only when refueling at a gas station”, or “payment amount is 500 0 yen” As in “only in the following cases”, it becomes possible to allow the user of the portable terminal 100 to make payment only under a predetermined condition.

[0034] Settlement acceptability determination unit 160 is managed by settlement permission condition management unit 150 and information indicating the status of mobile terminal 100 at the time of settlement, which is input together with a settlement acceptability determination request from credit function unit 110. The settlement permission condition is compared to determine whether the settlement process corresponding to the settlement permission determination request can be executed. Further, in the case where the settlement is permitted, the settlement possibility determination unit 160 outputs a response indicating that the settlement process is permitted to the credit function unit 110. On the other hand, if settlement is not permitted, settlement acceptability determination unit 160 responds to settlement permission requests and settlement permission requests to other mobile terminals for which settlement permission conditions are set via communication function unit 130. Various information on settlement (for example, settlement time, settlement location, settlement amount, etc.) is transmitted.

Authentication function unit 170 performs a predetermined authentication process with another mobile terminal prior to communication. Specifically, the authentication function unit 170 issues a payment permission request to the other mobile terminal before starting the processing for setting the payment permission condition with another mobile terminal, or from the payment permission determination unit 160. Prior to transmission, mutual authentication is performed with another mobile terminal. As a result, the setting operation of the payment permission conditions with other mobile terminals can be performed in a completely secure communication environment.

[0036] Authentication processing by the authentication function unit 170 can be performed by an arbitrary method using, for example, mutual terminal numbers or preset passwords.

[0037] The warning unit 180 is used to generate a speech when the authentication process by the authentication function unit 170 is not performed normally, or when it is determined that the settlement process is not permitted by the settlement acceptability determination unit 160. The user of the mobile terminal 100 is warned using at least one of 141, the display 142, and the LED 143.

Hereinafter, the operation of mobile terminal 100 configured as described above will be described in detail.

First, the processing for setting the payment permission condition for the mobile terminal 100 will be described with reference to FIG. FIG. 3 is a sequence diagram showing an example of setting processing of a payment permission condition between the setting-side mobile terminal 300 and the setting-side mobile terminal 100. FIG. 3 shows an example in which payment permission conditions are set from the setting-side mobile terminal 300 to the set-side form terminal 100.

First, the setting-side mobile terminal 300 starts a connection process for the setting-side mobile terminal 100 by transmitting a connection request to the communication function unit 130 of the setting-side mobile terminal 100 (S

D o

[0042] Upon receiving the connection request from the setting-side mobile terminal 300, the communication function unit 130 outputs an authentication operation start request to the authentication function unit 170 (S2). Upon receiving this authentication operation start request, the authentication function unit 170 determines whether or not the terminal number of the setting-side mobile terminal 300 matches the terminal number permitted to set the payment permission condition (S3).

[0043] As a result of this determination, if the terminal number of the setting-side mobile terminal 300 does not match the terminal number permitted to set the payment permission condition (S3: NO), the authentication function unit 170 rejects the setting of the payment permission condition. A response is transmitted to the setting-side mobile terminal 300. When the setting-side mobile terminal 300 receives the setting rejection response (S4), a message 320 is displayed on the display 310 of the setting-side mobile terminal 300 indicating that the setting request for the payment permission condition has been rejected (see FIG. 4). Then, communication between the setting-side mobile terminal 300 and the setting-side mobile terminal 100 ends.

On the other hand, as a result of the determination in step S3, when the terminal number of the setting-side mobile terminal 300 matches the terminal number that permitted the setting of the payment permission condition (S3: YES), the authentication function unit 170 Is sent to the setting-side terminal 300 (S5). When the setting-side mobile terminal 300 receives the password input request, a message 330 requesting the password input is displayed on the display 310 of the setting-side mobile terminal 300 (see FIG. 5). The entered password is transmitted to the authentication function unit 170 (S6). The input of the nosword is performed, for example, when the user inputs the password in the password input area 340 in FIG. 5 and selects the decision instruction unit 350.

[0045] Authentication function unit 170 determines whether or not the input password matches the password permitted to set the payment permission condition (S7). As a result of this determination, if the passwords do not match and the password authentication fails (S7, S8: NO), the password input operation is performed again (S5). If password authentication has failed N times (N is a positive integer) (S8: YE S), the authentication function unit 170 transmits a settlement permission condition setting rejection response to the setting-side mobile terminal 300. When the setting-side mobile terminal 300 receives the setting rejection response (S9), a message 320 is displayed on the display 310 of the setting-side mobile terminal 300 indicating that the request for setting the payment permission condition has been rejected (see Fig. 4). ) Communication between the setting-side mobile terminal 300 and the setting-side mobile terminal 100 ends.

[0046] On the other hand, as a result of the determination in step S7, if the passwords match and the password authentication is successful (S7: YES), the authentication function unit 170 confirms that the authentication operation has been completed. And processing for setting the settlement permission condition is started (S10). Specifically, the setting-side mobile terminal 300 sends the setting information of the payment permission condition to the payment permission management unit 150 (S11), and the payment permission condition management unit 150 sends the setting information to the setting-side mobile terminal 100. The new settlement permission condition is updated (S12).

In this way, the settlement permission condition setting process is completed.

[0048] Here, the processing for inputting the setting information of the settlement permission conditions in S11 will be described in detail.

When the processing for setting the payment permission condition is started, information as shown in FIG. 6 is displayed on the display 310 of the setting side mobile terminal 300. FIG. 6 is a diagram illustrating an example of setting information for the settlement permission condition.

[0050] In the example of FIG. 6, the setting information of the payment permission condition includes one of "permit all", "deny all", and "perform detailed settings" for the payment of the set-side mobile terminal 100. Contains setting selection information 351 to be selected. The setting information for the payment permission conditions includes payment time information 352 for setting a time zone in which payment is permitted, payment place information 353 for setting a place where payment is permitted, and a payment upper limit for setting a maximum amount allowed for payment. Amount information 354 is included.

[0051] When “Allow all” or “Deny all” is selected in the setting selection information 351, the setting information of the payment permission condition is only this information, the payment time information 352, the payment location information 353, None of the information on the settlement upper limit amount information 354 is set. Conversely, when “perform detailed settings” is selected in the setting selection information 351, the settlement time information 352, the settlement location information 353, and the settlement upper limit amount information 354 can be set.

[0052] Settlement time information 352 is “permitted in all time periods” for settlement of the mobile terminal 100 to be set. This is information for setting “specific time” when either “Yes” or “Allow only a specific time period” is selected and the latter is selected. In the example of Fig. 6, payment is permitted only during the time period from 8:00 am to 3:00 pm.

[0053] In addition, the settlement location information 353 selects either “permits at all locations” or “permits only at a specific location” for the settlement of the set-side mobile terminal 100, and selects the latter. This is information for setting a “specific location”. In the example of Fig. 6, payment is permitted only at convenience stores, consumer electronics retailers, and family restaurants. In this way, it is possible to select and set a place where a plurality of payments are permitted from the places where payment can be made.

[0054] Further, the settlement upper limit amount information 354 selects either "permit without limit" or "permit only within the upper limit" for settlement of the set-side mobile terminal 100, and the latter is selected. This is information for setting the “upper limit amount”. In the example of Fig. 6, payment is permitted only within the range of 2000 yen or less.

By setting the settlement time information 352, the settlement location information 353, and the settlement upper limit amount information 354 and selecting the decision instruction unit 355, the settlement permission condition is set. For example, set a payment permission condition to allow payment if it is `` within a range of 2000 yen or less at a combination, home electronics store, and family restaurant during the period from 8:00 am to 3:00 pm '' can do.

In FIG. 6, the setting information for the conditions for permitting payment has been described, but the setting information for the conditions for permitting payment is not limited to this. For example, as shown in Fig. 7, it is possible to set settlement permission conditions by setting various conditions prohibiting settlement.

[0057] The setting information of the above-described settlement permission condition is an example, and can be arbitrarily set by the user of the mobile terminal. For example, setting information such as a date when payment is permitted or a day of the week may be added to the settlement permission condition.

[0058] As described above, by setting and changing payment time information, payment location information, and payment upper limit amount information as appropriate, flexible payment permission conditions can be set according to the mobile terminal 100 on the setting side. It can be performed.

Next, the settlement process of the mobile terminal 100 will be described with reference to FIG.

[0060] FIG. 8 is a sequence showing an example of the payment processing of the mobile terminal in which the payment permission condition is set FIG.

[0061] When the credit function unit 110 determines the start of the payment process (S21), information indicating the status of the mobile terminal 100 at the time of payment (for example, current time, payment place, payment amount, payment details information, post-payment information) Balance etc.) and a settlement permission determination request are output to the settlement permission determination section 160 of the credit function control section 120 (S22).

[0062] Upon receiving the settlement permission determination request and the settlement information, the settlement permission determination unit 160 outputs a settlement permission condition acquisition request to the settlement permission condition management unit 150 (S23), and the settlement permission condition management unit 150 When this settlement permission condition acquisition request is received, the set settlement permission conditions (for example, all permitted Z forbidden, permitted Z prohibited time, permitted Z prohibited place, upper limit amount) are output to the settlement permission determination unit 160 (S24). .

[0063] When the settlement permission determination unit 160 acquires the settlement permission condition from the settlement permission condition management unit 150, the settlement permission condition determination unit 160 compares information indicating the status of the mobile terminal 100 at the time of settlement with the acquired settlement permission condition ( S25), it is determined whether or not the settlement corresponding to the settlement permission determination request from the credit function unit 110 is permitted (S26). This determination is made on the basis of whether all the conditions set in the payment permission conditions are satisfied by various payment information corresponding to the payment determination request. For example, if all of the settlement time, settlement location, and settlement upper limit amount are set as settlement permission conditions, payment is made only when the mobile terminal 100 meets all of these conditions. If it is determined that the settlement is permitted and the settlement amount of the mobile terminal 100 exceeds the set settlement upper limit, a determination is made that the settlement is not permitted.

[0064] As a result of this determination, if payment is permitted (S26: YES), the settlement possibility determination unit 160 outputs a response indicating that settlement is permitted to the credit function unit 110, and has received this response. The credit function unit 110 executes a settlement process (S27).

[0065] On the other hand, if the result of determination in step S26 is that payment is not permitted (S26: NO), warning unit 180 uses at least one of speaker 141, display 142, and LED 143 to A warning is given to the user (S28). As a result, the user of the mobile terminal 100 is notified that the payment has been rejected, and the process proceeds to a process at the time of payment rejection, which will be described later.

[0066] By the way, the user of the mobile terminal 100 is the case where the payment is rejected as described above. However, there may be exceptional cases where the user wishes to allow the payment (for example, an alternative method of supplying gasoline other than payment using a mobile terminal when the car runs out of gas when payment is refused. If not). In the following, the processing of the mobile terminal 100 after the payment is rejected to cope with such a situation will be described with reference to FIGS. 9 and 10. FIG.

FIG. 9 and FIG. 10 are sequence diagrams showing processing of the mobile terminal 100 after the payment is rejected.

[0068] When settlement is rejected, settlement enable / disable determination unit 160 notifies communication function unit 130 that setting-side mobile terminal 300 starts transmission processing for a settlement permission request (S31). Upon receiving this notification, the communication function unit 130 starts communication with the setting-side mobile terminal 300 (S32), and determines whether communication with the setting-side mobile terminal 300 is possible (S33).

[0069] As a result of this determination, if communication with the setting-side mobile terminal 300 is not possible (S33: NO), the settlement possibility determination unit 160 notifies the warning unit 180 that the settlement permission request has failed (S34). The warning unit 180 warns the user of the portable terminal 100 using at least one of the speaker 141, the display 142, and the LED 143 (S35). In this way, the payment process of the credit function unit 110 is rejected (S36).

[0070] On the other hand, if it is determined in step S33 that communication with setting-side mobile terminal 300 is possible (S33: YES), communication function unit 130 requires authentication function unit 170 to start an authentication operation. Request is output (S37). Receiving this authentication operation start request, authentication function section 170 determines whether or not the terminal number of setting-side mobile terminal 300 matches the terminal number permitted to make the determination for the payment permission request (S38).

[0071] As a result of this determination, if the terminal number of the setting-side mobile terminal 300 does not match the terminal number permitted to determine the payment permission request (S38: NO), the authentication function unit 170 rejects the determination regarding the payment permission request. A response is transmitted to the setting-side mobile terminal 300. When the setting-side mobile terminal 300 receives the decision rejection response (S39), a message 320 is displayed on the display 310 of the setting-side mobile terminal 300 indicating that the decision regarding the payment permission request has been rejected (see FIG. 4). Communication between the setting-side mobile terminal 300 and the setting-side mobile terminal 100 ends. At the same time, the warning unit 180 warns that the payment permission request has failed, and the credit function unit 110 refuses the payment process. [0072] On the other hand, if the result of the determination in step S38 is that the terminal number of the setting-side mobile terminal 300 matches the terminal number permitted to determine the payment permission request (S38: YES), the authentication function unit 170 will Is sent to the setting-side terminal 300 (S40). When the setting side mobile terminal 300 receives the password input request, a message 330 requesting the password input is displayed on the display 3 10 of the setting side mobile terminal 300 (see FIG. 5), and the user of the setting side mobile terminal 300 The password input by is transmitted to the authentication function unit 170 (S41). For example, the user inputs the password by inputting the password in the password input area 340 of FIG.

[0073] The authentication function unit 170 determines whether or not the input password matches the password permitted to determine the settlement permission request (S42). As a result of this determination, if the password does not match and password authentication fails (S42, S43: NO), the password input operation is performed again (S40).

[0074] If password authentication has failed N times (N is a positive integer) (S43: YES), the authentication function unit 170 sends a decision rejection response to the settlement permission request to the setting-side mobile terminal 300. Communication (S44), the communication between the setting-side mobile terminal 300 and the setting-side mobile terminal 100 ends. At the same time, the settlement determination unit 160 notifies the warning unit 180 that the payment permission request has failed (S45), and the warning unit 180 includes at least one of the speaker 141, the display 142, and the LED 143. Is used to warn the user of the mobile terminal 100 (S46). In this way, the payment process of the credit function unit 110 is rejected (S47).

[0075] On the other hand, as a result of the determination in step S42, if the passwords match and the password authentication is successful (S42: YES), the settlement permission determination unit 160 performs the settlement permission request and the settlement corresponding to the settlement permission request. (Eg, settlement time, settlement location, settlement amount, etc.) are transmitted to the setting-side mobile terminal 300 (S48).

[0076] Upon receiving the payment permission request and payment information from the set-side mobile terminal 100, the setting-side mobile terminal 300 transmits a determination result as to whether or not to allow the payment permission request to the payment permission determination unit 160. (S49). Whether or not the payment permission request is permitted is determined by checking whether the user of the setting-side mobile terminal 300 confirms the contents of the payment information 360 displayed on the display 310 and then allowing the payment by the payment permission request selection unit 370. Select whether or not to enter This is done by confirming with 0 (see Figure 11).

[0077] If it is determined that the settlement permission request is not permitted (S50: NO), the warning unit 18

A warning is issued from 0 to the user of the set-side mobile terminal 100 (S51), and the credit function unit 1

10 settlement processing is rejected (S52).

[0078] When it is determined that the payment permission request is permitted (S50: YES), the payment permission determination unit 160 outputs a payment permission notification to the credit function unit 110 (S53), and the credit function unit 110 executes a settlement process corresponding to the settlement permission request (S54). In this way, by sending a payment permission request, exceptional payments that do not satisfy the payment permission conditions can be permitted in a safe manner.

As described above, the settlement permission request transmission process after the settlement is rejected is performed.

As described above, according to the present embodiment, since the payment permission condition for restricting the contents of the payment process performed by the credit function unit 110 can be set at any time by another mobile terminal, the mobile terminal 1

It is possible to give flexibility to the settlement by 00 credit function.

[0081] Further, according to the present embodiment, even when payment by the credit function is prohibited, a payment permission request is made to another mobile terminal for which payment permission conditions are set. Therefore, payment processing can be performed by permitting exceptional payment processing in real time without satisfying the payment permission conditions.

[0082] Further, according to the present embodiment, when communication with other mobile terminals is performed on information related to the management and restriction of payment by the credit function of the mobile terminals, the mobile terminals can interact with each other. Therefore, it is possible to improve the safety of the management and restriction of settlement by the credit function.

[0083] (Embodiment 2)

The present embodiment is a modification of the first embodiment, and is a case where the mobile terminal is configured such that the credit function unit is included in the credit function control unit and the authentication function unit is included in the communication function unit. .

FIG. 12 is a diagram showing the configuration of the mobile terminal according to Embodiment 2 of the present invention, and FIG. 13 shows the configuration of the credit function control unit and the communication function unit of the mobile terminal in FIG. 12 in detail. It is a figure. The same components as those in FIG. 1 and FIG. Abbreviated.

In FIG. 12, the mobile terminal 400 includes a credit function control unit 410 including a credit function unit 420 that communicates with the credit card settlement apparatus 200 and performs settlement processing, and a communication function unit 430.

[0086] The credit function control unit 410 manages and holds the payment permission conditions permitting the payment processing of the mobile terminal 400, and controls the payment processing performed by the credit function unit 420 using the payment permission conditions. Specifically, the credit function control unit 410 includes information indicating the status of the mobile terminal 400 at the time of payment (for example, current time, payment location, payment amount, payment details information, balance after payment, etc.) If the condition is satisfied, the credit function unit 420 performs the payment process, and if the information indicating the status of the mobile terminal 400 at the time of payment does not satisfy the payment permission condition, the payment permission condition is set via the communication function unit 430. Send a payment permission request to other mobile terminals.

[0087] Communication function unit 430 performs one-to-one secure communication with other mobile terminals. The communication function unit 430 communicates with another mobile terminal, and sets a payment permission condition for the own terminal from another mobile terminal or sets a payment permission condition for another mobile terminal.

Further, as shown in FIG. 13, communication function unit 430 employs a configuration including authentication function unit 440, and has a function of performing a predetermined authentication process with another mobile terminal prior to communication. . Specifically, the communication function unit 430 sends a settlement permission request to another mobile terminal before starting the process for setting the settlement permission condition with another mobile terminal or from the settlement permission determination unit 160. Before authenticating, mutual authentication is performed with other mobile terminals. As a result, operations such as setting payment permission conditions with other mobile terminals can be performed in a completely secure communication environment.

As described above, in this embodiment, since the credit function unit is included in the credit function control unit, a settlement function that performs settlement processing by communicating with an external credit card settlement apparatus, and use of this settlement function Can be integrated with the function for restricting the payment, and the payment processing using the payment permission condition can be controlled efficiently.

Further, in this embodiment, since the communication function unit has an authentication function of the mobile terminal of the communication partner, it is possible to independently realize a communication environment in a secure state with other mobile terminals. so wear.

Industrial applicability

The mobile terminal of the present invention has the effect that it is possible to manage and restrict payment by the credit function of the mobile terminal from other mobile terminals as needed, and to set the permission conditions for payment flexibly. It is useful as a portable terminal provided.

Claims

The scope of the claims

[1] A credit function unit that performs payment processing by communicating with an external device having a payment processing function, and manages a payment permission condition that restricts the contents of the payment processing performed by the credit function unit, and is performed by the credit function unit And a credit function control unit that controls payment processing, wherein the payment permission condition can be set at any time by another mobile terminal.

[2] The credit function control unit

Comparing the settlement permission condition and the content of the settlement process performed by the credit function unit, and when the content of the settlement process satisfies the settlement permission condition, permit the settlement process performed by the credit function unit,

The credit function unit

Perform the payment processing permitted by the credit function control unit,

The mobile terminal according to claim 1.

[3] The credit function control unit

Comparing the settlement permission condition with the content of the settlement process performed by the credit function unit, and if the content of the settlement process does not satisfy the settlement permission condition, the credit function unit Refusing payment processing performed by

The mobile terminal according to claim 1.

[4] The credit function control unit

The settlement permission condition is compared with the content of the settlement process performed by the credit function unit. If the content of the settlement process does not satisfy the settlement permission condition! /, The other that has set the settlement permission condition A permission request for payment processing performed by the credit function unit to the mobile terminal of

The mobile terminal according to claim 1.

[5] The credit function control unit

If the other mobile terminal permits the payment processing permission request, the payment function performed by the credit function unit is permitted,

The credit function unit

Perform the payment processing permitted by the credit function control unit, The mobile terminal according to claim 4.

[6] The mobile terminals that can set the payment permission condition are limited, and when the payment permission condition is set, a predetermined authentication process is performed between the own terminal and the other mobile terminal. The mobile terminal according to claim 1.

[7] The payment permission condition can be directly set by one-to-one secure communication with another mobile terminal.

The mobile terminal according to claim 1.

[8] The settlement permission condition includes the time, place, and upper limit amount of money that can be settled, and one of the following conditions:

The mobile terminal according to claim 1.