JP2000011069A - Portable terminal equipment, wallet system, settlement in wallet system and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To unnecessitate filling an IC card with electronic money and confirming electronic money balance or the like through the use of ATM or the like by permitting a host computer to transmit balance from an intrinsic account to a communication part and displaying transmitted balance in the display part of the portable terminal equipment when an authentication identifier transmitted from a portable terminal equipment is right. SOLUTION: When an owner A inquires one's own virtual wallet account, for example, the recognition identifier as against one's own account number is inputted to the input part 252 of the portable terminal equipment 250 which is owned by A. The account number is previously stored at every portable terminal equipment and the account number and the recognition identifier are transmitted to a banking organ computer 100. When the recognition identifier for the account number of the virtual wallet account in the name of the owner in an account file 207 is right, the banking organ computer 100 transmits the contents (balance or the like) of the virtual wallet account to the portable terminal equipment 250 owned by A and displays the balance or the like in the display part 251.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a portable terminal device, a wallet system, a settlement method in a wallet system, and a recording medium.

[0002]

2. Description of the Related Art Conventionally used electronic money is IC.
Electronic wallet filled with electronic money using a card etc. I
It is a C-card type electronic money, and settlement and the like are performed using the IC card-type electronic money.

FIG. 1 shows a conventional settlement method using an IC card type electronic money.

In FIG. 1, a financial institution computer 10
Reference numeral 0 denotes a computer used for settlement at a bank or the like, and a customer account file, for example, an account file 10
7 is connected to an automatic teller's machine (ATM). The financial institution computer 100 is an integrated services digital network (Integrated Services Digital N
etwork: ISDN) node 1 to network 130 such as
33. A computer PC 140 such as a personal computer is connected to the network 130 via a node 135, and a reader / writer 145 of an IC card 180 is connected to the PC 140. Similarly, via the node 137,
For example, the computer 160 is connected and the computer 1
Reference numeral 60 denotes a reader / writer 1 of the IC card 180.
65 are connected.

[0005] The owner of the IC card 180 has an account (not shown) in the account file 107,
M (FIG. 1 shows only ATM 103 for illustration)
Is used to fill the IC card 180 with cash and convert it into electronic money, conversely, convert the electronic money in the IC card 180 into cash, or deposit money into the account of the account file 107.

[0006] When the ATM is not used, the owner of the IC card 180 can check the computer at hand, for example, PC1.
By instructing the financial institution computer 100 from 40, the cash is converted into electronic money from this account. The electronic money is sent to the PC 140 via the network 130,
IC card 180 by reader / writer 145
(Arrow 183). Conversely, IC card 180
Is read by the reader / writer 145 (arrow 183), sent from the PC 140 to the financial institution computer 100 via the network 130, and deposited in the account of the account file 107. IC card 1
When shopping with 80 electronic money,
A reader connected to a computer 160 such as a store /
The electronic money of the IC card 180 is read by the writer 165 (arrow 185), the balance is confirmed, and the electronic money is withdrawn from the IC card 180 by the price (arrow 18).
5). The withdrawn electronic money is transferred from the account of the owner of the IC card 180 to an account of a store or the like for settlement.

[0007]

However, in order to use the above IC card type electronic money, first, the electronic money is transferred from a financial institution computer to an ATM or a reader / writer.
IC cards must be filled using a writer or the like. There has been a problem that an ATM or a reader / writer must be used each time to check the balance of the IC card type electronic money.

SUMMARY OF THE INVENTION Therefore, an object of the present invention is to solve the above-mentioned problem, and an IC using an ATM or the like is provided.
Mobile terminal device, wallet system, payment method and recording medium in wallet system, without having to fill in electronic money into a card and without having to check the balance of electronic money using an ATM or the like Is to provide.

[0009]

According to the first aspect of the present invention,
A portable terminal device having an input unit for inputting data, a display unit for displaying data, and a communication unit for communicating with an external host computer; and a communication unit for communicating with the communication unit of the portable terminal device. A wallet system including a host computer having a unique account, wherein the mobile terminal device stores in advance an account identifier of the unique account, and the input unit performs authentication for the unique account. Entering an identifier, the communication unit transmits an account identifier and the authentication identifier of the unique account to the host computer, and the host computer, if the transmitted authentication identifier is valid, The balance is transmitted from the unique account to the communication unit, and the display unit displays the transmitted balance. It is a Shimesuru wallet system.

According to a second aspect of the present invention, in the first aspect, the portable terminal device further includes a connection unit for connecting to another portable terminal device to obtain an account identifier of an account unique to the other portable terminal device. The input unit further inputs a remittance amount for remittance from the account specific to the mobile terminal device to the account specific to the other mobile terminal device, and the communication unit sets an account of the account specific to the other mobile terminal device. An identifier and the remittance amount are further transmitted to the host computer. If the transmitted authentication identifier is valid, the host computer converts the account unique to the portable terminal device into a unique account for the other portable terminal device. The remittance amount is transferred to the account of the remittance account, and the display unit can display confirmation of the remittance result.

[0011] The invention according to claim 3 is the invention according to claim 1 or 2.
In the above, the connection unit can directly connect the portable terminal device and the other portable terminal device.

The invention according to claim 4 is the first or second invention.
, The connection unit can wirelessly connect the portable terminal device and the other portable terminal device.

The invention according to claim 5 is the invention according to claim 1 or 2.
In the above, the connection unit may connect the portable terminal device and the other portable terminal device by optical communication.

The invention according to claim 6 is the first to fifth aspects.
In any one of the above, the host computer is a financial institution computer, and the account specific to the mobile terminal device can be an account.

The invention according to claim 7 is the invention according to claims 1 to 5
In any one of the above, the host computer is a server computer in a point service system, and the account specific to the portable terminal device can be a point entry.

According to the present invention, an input section for inputting data, a display section for displaying data, and an external host
A mobile terminal device having a communication unit that communicates with a computer, wherein the mobile terminal device previously stores an account identifier of an account unique to the mobile terminal device, and the input unit is configured to perform An authentication identifier is input, and the communication unit compares the account identifier of the unique account and the authentication identifier with the host.
To the computer, and the display unit is connected to an external host
The portable terminal device displays a balance of the unique account transmitted from a computer.

According to a ninth aspect of the present invention, in the ninth aspect, the portable terminal further includes a connection unit for connecting to another portable terminal to obtain an account identifier of an account unique to the other portable terminal. The input unit further inputs a remittance amount for remittance from the account specific to the mobile terminal device to the account specific to the other mobile terminal device, and the communication unit sets an account of the account specific to the other mobile terminal device. The identifier and the remittance are further exchanged with an external host
To the computer, and the display unit is connected to an external host
A confirmation of the remittance result sent from the computer can be displayed.

According to a tenth aspect of the present invention, there is provided a portable terminal device having an input unit for inputting data, a display unit for displaying data, and a communication unit for communicating with an external host computer, and communicating with the portable terminal device. Performing a payment method in a wallet system comprising: a host computer having a unique account for each portable terminal device, wherein an input unit inputs an authentication identifier for an account unique to the portable terminal device; Transmitting the input authentication identifier and a pre-stored account identifier unique to the mobile terminal device to the host computer; and, if the transmitted authentication identifier is valid, the mobile terminal device unique Transmitting the balance from the account to the communication unit, and the display unit displays the balance Wallet that includes a step that
This is a settlement method in the system.

According to the present invention, there is provided a portable terminal device having an input section for inputting data, a display section for displaying data, and a communication section for communicating with an external host computer, and performs communication with the portable terminal apparatus. Performing a settlement in a wallet system comprising a host computer having a unique account for each portable terminal device, wherein the portable terminal device is connected to another portable terminal device. Obtaining an account identifier for an account unique to the other mobile device;
Inputting a remittance amount to be remitted from the mobile terminal device-specific account to the other mobile terminal device-specific account; inputting an authentication identifier for an account specific to the mobile terminal device; Transmitting the account identifier unique to the other portable terminal device to the host computer together with the account identifier of the account unique to the portable terminal device and the authentication identifier, and when the transmitted authentication identifier is valid. Remitting the remittance amount from the mobile terminal device-specific account to the other mobile terminal device-specific account; and displaying the confirmation of the remittance result on the display unit. It is.

According to a twelfth aspect of the present invention, there is provided a computer-readable recording medium storing a program for executing the settlement method in the wallet system according to the tenth or eleventh aspect.

[0021]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 2 shows an outline of the wallet system of the present invention.

In FIG. 2, portions denoted by the same reference numerals as those in FIG. 1 have the same functions as those in FIG. Hereinafter, this embodiment will be described using an account as an example of an account.

The account file 207 contains the owner A
, An account with an account identifier of 88 (hereinafter referred to as a “virtual wallet account”) and a virtual wallet account with an owner B and an account identifier of 99 are illustrated. As the account identifier, for example, an account number can be used. The following description uses account number as account identifier,
Of course, an identifier other than the account number, such as an ID, may be used. The financial institution computer 100 is connected to a network 230 such as an ISDN via a node 233, and a base station (BS) 240 is connected to the network 230 via a node 235.

The BS 240 is a portable terminal device 25 owned by A.
0, B own mobile terminal device 260 and each antenna 25
3. It is wirelessly connected by the antenna 263. The mobile terminal device 250 includes the above-described antenna 253, a display unit 251 such as a liquid crystal screen, an input unit 252 for inputting data, and a connection unit 254 for connecting to another mobile terminal device. Similarly, the mobile terminal device 260 includes the above-described antenna 263, a display unit 261 such as a liquid crystal screen, an input unit 262 for inputting data, and a connection unit 264 for connecting to another mobile terminal device.

When the owner A inquires his / her own virtual wallet account, an authentication identifier for his / her account number (88) is input to the input unit 252 of the portable terminal device 250 owned by A.
For example, a password is entered. The account number (88) is stored in advance for each mobile terminal device.
8) and the input authentication identifier are sent to the BS 240 via the antenna 253, and are sent to the node 2 of the network 230.
Sent to the financial institution computer 100 via 35, 233. If the authentication identifier for the account number (88) of the virtual wallet account in the name of the owner A in the account file 207 is valid, the financial institution computer 100 transmits the contents (balance, etc.) of the virtual wallet account to the network 230. The data is transmitted to the portable terminal device 250 owned by A via the terminal. Contents of sent virtual wallet account (balance etc.)
Is displayed on the display unit 251.

The case where the owner A makes a shopping or the like and transfers money from his own virtual wallet account to another virtual wallet account of the owner B, for example, is performed as follows.

First, the portable terminal device 250 of the owner A is connected to the portable terminal device 260 of the owner B. In the example of FIG.
The connection is made by a connection cable 270 between the connection part 254 on the portable terminal device 250 side of A and the connection part 264 on the portable terminal device 260 side of B. However, this is merely an example, and it is also possible to directly connect the connection portion 254 and the connection portion 264. Further, the connection unit 254 and the connection unit 264 can be connected by wireless communication or optical communication.

Next, the account number of the virtual wallet account unique to the connected B portable terminal device is obtained from the B portable terminal device. Since the account number of the virtual wallet account is unique to each mobile terminal device, it can be obtained by connection. Therefore, B does not need to verbally teach A the account number of his or her virtual wallet account, so that the security of B's account number can be enhanced. After the remittance is completed, the account number of B is deleted from the portable terminal device 250 of A, so that the security of the account number of B can be further enhanced.

A inputs the remittance amount to be remitted from his virtual wallet account to B's virtual wallet account from the input unit 252. A enters an authentication identifier, for example, a personal identification number, for his virtual wallet account (account number 99 in the example of FIG. 2) in the same manner as in the case of the inquiry described above. The remittance amount and the account number of the virtual wallet account of B (99 in the example of FIG. 2) are the account numbers of the virtual wallet account of A (8
8) and the authentication identifier are transmitted to the financial institution computer 100.

If the transmitted authentication identifier is valid, the financial institution computer 100 transfers the amount indicated by the transfer amount from the virtual wallet account of A to the virtual wallet account of B. When the remittance is completed, the remittance result is transmitted to the portable terminal device 250 of A and displayed on the display unit 251. By this display, A can confirm the remittance.
The remittance result is also transmitted to the mobile terminal device 260 of B and displayed on the display unit 251. This display allows B to confirm the payment. It is natural that B can later refer to his or her virtual wallet account to confirm the payment, from the description of the inquiry described above. In this manner, there is no need to fill the IC card with electronic money from a financial institution as in conventional electronic money.

In the above-described embodiment, the remittance is performed by connecting the portable terminal device 250 of A and the portable terminal device 260 of B, but the portable terminal device 250 of A is connected to the financial institution computer 100 by a wireless communication with the network 230. , And at the same time, the mobile terminal device 260 of B can be wirelessly connected to the financial institution computer 100 via the network 230 to execute the remittance in real time. Therefore, even when the portable terminal device 250 of A and the portable terminal device 260 of B cannot be connected to each other by wireless or the like, remittance or the like is possible if both devices can be wirelessly connected to the BS 240 or the like.

In the above description of the embodiment, an account is used as an example of an account, but it is a matter of course that the present invention is not limited to this.

For example, in the case of a point service system in which points are increased in accordance with the purchase amount at a store or the like, a server computer of the store or the like is used as an account instead of the financial institution computer, and the purchaser's account is used instead of the account. You can pick up point entries.

[0035]

As described above, according to the portable terminal device, the wallet system, the settlement method in the wallet system, and the recording medium of the present invention, the portable terminal devices are connected to each other so that the computer of the financial institution can transmit the ATM. A portable terminal device that does not need to use an ATM or the like for checking the balance of electronic money, withdrawing the electronic money, etc., without filling the IC card with electronic money using the above.
A wallet system, a settlement method in the wallet system, and a recording medium can be provided.

[Brief description of the drawings]

FIG. 1 is a diagram showing a conventional electronic payment method using an IC card or the like.

FIG. 2 is a diagram showing an outline of a wallet system of the present invention.

[Explanation of symbols]

 REFERENCE SIGNS LIST 100 financial institution computer 103 ATM 105 database 107, 207 account file 130 network 133, 135, 137, 233, 235 node 140 PC 145, 165 reader / writer 160 computer 180 IC card 240 BS 250, 260 portable terminal device 251, 261 Display unit 252, 262 Input unit 253, 263 Antenna 254, 264 Connection unit 270 Connection cable

Claims (12)

[Claims] A portable terminal device having an input unit for inputting data, a display unit for displaying data, and a communication unit for communicating with an external host computer; and communicating with a communication unit of the portable terminal device, A wallet system including a host computer having a unique account for each mobile terminal device, wherein the mobile terminal device stores an account identifier of the unique account in advance, and the input unit includes: An authentication identifier for the unique account is input, and the communication unit transmits the account identifier of the unique account and the authentication identifier to the host computer, and the host computer confirms that the transmitted authentication identifier is valid. In the case of, the balance is transmitted from the unique account to the communication unit, and the display unit transmits Displaying the completed balance. 2. The wallet system according to claim 1, wherein the mobile terminal device further includes a connection unit that connects to another mobile terminal device and obtains an account identifier of an account unique to the other mobile terminal device. The input unit further inputs a remittance amount to be remitted from the account unique to the mobile terminal device to the account unique to the other mobile terminal device, and the communication unit further includes an account identifier of the account unique to the other mobile terminal device. And the remittance amount are further transmitted to the host computer. If the transmitted authentication identifier is valid, the host computer converts the account specific to the portable terminal device into a unique account for the other portable terminal device. The wallet system, wherein the remittance amount is transferred to an account, and the display unit displays a confirmation of a remittance result. 3. The wallet system according to claim 1, wherein the connection unit directly connects the portable terminal device and the other portable terminal device. 4. The wallet system according to claim 1, wherein the connection unit wirelessly connects the portable terminal device and the other portable terminal device. 5. The wallet system according to claim 1, wherein the connection unit connects the portable terminal device and the other portable terminal device by optical communication. 6. The wallet system according to claim 1, wherein the host computer is a financial institution computer, and the account unique to the portable terminal device is an account. system. 7. The wallet system according to claim 1, wherein the host computer is a server computer in a point service system, and the account unique to the portable terminal device is a point entry. A wallet system characterized by: 8. A portable terminal device having an input unit for inputting data, a display unit for displaying data, and a communication unit for communicating with an external host computer, wherein the portable terminal device is connected to the portable terminal device. An account identifier of the unique account is stored in advance, the input unit inputs an authentication identifier for the unique account, and the communication unit transmits the account identifier of the unique account and the authentication identifier to the host. The portable terminal device, wherein the portable terminal device transmits the unique account balance transmitted from an external host computer to the computer. 9. The mobile terminal device according to claim 8, further comprising a connection unit that connects to another mobile terminal device and obtains an account identifier of an account unique to the other mobile terminal device. The input unit further inputs a remittance amount to be remitted from the account unique to the mobile terminal device to the account unique to the other mobile terminal device, and the communication unit further includes an account identifier of the account unique to the other mobile terminal device. And the remittance amount to an external host computer, and the display unit displays a confirmation of the remittance result transmitted from the external host computer. 10. A portable terminal device having an input unit for inputting data, a display unit for displaying data, and a communication unit for communicating with an external host computer, and the portable terminal device communicating with the portable terminal device. A payment method in a wallet system, comprising: a host computer having a unique account for each mobile terminal device, wherein an input unit inputs an authentication identifier for an account unique to the mobile terminal device; Transmitting an account identifier unique to the mobile terminal device stored in advance to the host computer; and when the transmitted authentication identifier is valid, the balance from the account unique to the mobile terminal device is transmitted to the host computer. Transmitting to the communication unit; and displaying the balance by the display unit. Settlement method in the wallet system, characterized in that was. 11. A portable terminal device having an input unit for inputting data, a display unit for displaying data, and a communication unit for communicating with an external host computer, and the portable terminal device communicating with the portable terminal device. A wallet system comprising a host computer having a unique account for each mobile terminal device, wherein the mobile terminal device is connected to another mobile terminal device; and Obtaining an account identifier of a unique account; inputting a remittance amount to be remitted from the account unique to the mobile terminal device to an account unique to the other mobile terminal device; and authenticating the account unique to the mobile terminal device. Inputting an identifier, the remittance amount and an account unique to the other mobile terminal device Transmitting an identifier to the host computer together with the account identifier of the account unique to the portable terminal device and the authentication identifier; and, if the transmitted authentication identifier is valid, the account unique to the portable terminal device. A step of remitting the remittance amount to an account specific to the other portable terminal device from the user, and a step of displaying a confirmation of the remittance result by the display unit. 12. A computer-readable recording medium on which a program for executing the settlement method in the wallet system according to claim 10 or 11 is recorded.