JP2003242428A - Cellular phone with card function and cellular phone with settlement function - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To arrange the debit card function in a cellular phone, and to secure security. <P>SOLUTION: This cellular phone 11 checks up position data on a present position detected by a position sensor 16 with position data on a preregistered place, and makes the debit card function usable when the position data coincide, and makes the debit card function unusable when the position data do not coincide. Thus, illicit use of a card by another person can be prevented even when the cellular phone 11 is lost or stolen by restricting a place capable of using the debit card function added to the cellular phone. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile phone and a terminal device having a mobile phone function.

[0002]

2. Description of the Related Art A debit card has become popular in which an IC card can be used to directly deduct the purchase price of a product from a user's bank account.

Normally, when purchasing a product at a store and paying with a debit card, it is necessary to insert the debit card into a terminal device installed at a cash register of the store and input a personal identification number.

[0004]

As described above, the debit card requires the card owner to enter the personal identification number, so every time I shop, I go to the cash register and insert the card into the terminal device of the debit card. However, it was troublesome to enter the personal identification number.

Therefore, it is possible to store the information of the debit card in the portable terminal device so that the debit card can be used anywhere. In that case, if the mobile terminal device is lost, there is a possibility that another person may illegally use the debit card, and how to ensure security is a problem.

An object of the present invention is to provide a mobile phone with a settlement function and ensure security.

[0007]

A mobile phone with a card function according to the present invention includes a wireless communication means, a payment means having information of a card used for payment and a payment function of the card, and personal identification information of an owner. Identification information registration means for registration, identification information input means for inputting personal identification information, and personal identification information input from the identification information input means is personal identification information of the owner registered in the identification information registration means. And a determination means for determining whether or not the personal identification information is matched by the determination means, the payment data of the card is transmitted via the wireless communication means,
When it is determined that the personal identification information does not match, the control means for prohibiting payment of the card is provided.

According to the present invention, the mobile phone is provided with card information such as a credit card and debit card and the settlement function, and the personal identification function is further provided, so that the mobile phone is lost or stolen. However, it is possible to prevent unauthorized use of the card by others.

Another mobile phone with a card function of the present invention is
Wireless communication means, payment means having card information used for payment and payment function of the card, position registration means for registering the usable place of the card, and position data acquisition means for acquiring position data of the current position And a determination unit that determines whether the position data of the current position acquired by the position data acquisition unit and the position data of the location registered by the position registration unit match, and the position data by the determination unit. And the control means for transmitting the payment data of the card through the wireless communication means, and for prohibiting the payment of the card when the position data is determined not to match. .

According to the present invention, a place where a card can be used is registered in advance, and payments using the card can be made only in the registered place. Therefore, when the mobile phone is lost, Even if the card is stolen, it is possible to prevent unauthorized use of the card by another person.

In the above invention, the control means prohibits the payment of the card when the payment is performed via a network and the personal identification information or the position information do not match.

With this configuration, it is possible to prevent unauthorized use of the card by others even when purchasing a product on the network. A mobile phone with a settlement function according to the present invention includes wireless communication means, storage means for storing electronic money, identification information registration means for registering personal identification information of an owner, and identification information input means for inputting personal identification information. Determination means for determining whether or not the personal identification information input from the identification information input means matches the personal identification information of the owner registered in the identification information registration means, and the personal identification by the determination means When it is determined that the information matches, the electronic money is transmitted through the wireless communication means, and when it is determined that the personal identification information does not match, the control means prohibits the use of the electronic money. .

According to the present invention, when electronic money is stored in a mobile phone, even if the mobile phone is lost or stolen, it is possible to prevent unauthorized use of the electronic money by another person.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram showing functions of a mobile phone with a debit card function (hereinafter referred to as a mobile phone) 11 according to an embodiment of the present invention.

The mobile phone 11 has a key input unit 12 for inputting a telephone number, a hiragana, etc., a display 13 for displaying a calling telephone number, an incoming telephone number, a received mail, etc., and a voice for identifying a voiceprint. The microphone 14, the voiceprint or fingerprint sensor 15 for matching the voiceprint or fingerprint registered in advance with the input voice or fingerprint, the position sensor 16, the matching result of the voiceprint or fingerprint sensor 15, and the key input unit 12 A determination unit 17 for determining whether or not to permit payment by a debit card based on the input personal identification number and position data calculated by a position sensor (for example, GPS sensor) 16, and a function of storing information of the debit card. And a debit IC 18 having a payment function, and a transmission / reception unit 19 for performing wireless communication with a wireless base station of a mobile phone system.

The mobile phone 11 has a function of previously registering a place where the user uses the debit card, and the debit card can be used only at a specific place. Furthermore, it has a function of pre-registering personal identification information such as a voiceprint or a fingerprint, and can prevent a person other than the owner from using the debit card.

Next, the operation of the mobile phone 11 having the above functions will be described with reference to the flow charts of FIGS. FIG. 2 is a flowchart in the case of performing a payment process using the debit IC 18 built in the mobile phone 11.

First, it is determined whether or not the user has designated the settlement process (FIG. 2, S11). When the payment process is designated (S11, YES), the process proceeds to step S12, and the payment account number of the debit card registered in advance by the user is read from the internal memory or the like. Next, it is determined whether or not personal identification is performed using a voiceprint or fingerprint (S13).

When personal identification is performed using a voiceprint or fingerprint (S13, YES), the process proceeds to step S14, and the voice input from the microphone 14 or the fingerprint detected by the fingerprint sensor and the voiceprint or fingerprint registered in advance. Are compared with each other to determine whether or not they match.

If the personal identification information consisting of voice prints or fingerprints match (S14, YES), the process proceeds to step S15, and the personal identification number of the payment account previously registered by the user is read from the memory. This personal identification number is encrypted and stored, for example, and cannot be read from the outside.

If the personal identification information does not match (S14, NO), the process returns to step S13, the process is repeated a fixed number of times, and if it exceeds the fixed number of times, the process ends.
That is, when the input personal identification information such as a voiceprint or a fingerprint does not match the personal identification information registered in advance, the settlement process using the debit card function is prohibited. Therefore, even if the mobile phone 11 is lost or stolen, it is possible to prevent others from illegally using the debit card.

If the user chooses not to perform personal identification by voiceprint or fingerprint (S13, NO), the process proceeds to step S16 to request the key input of the personal identification number.
Next, it is determined whether or not the personal identification number registered in advance and the personal identification number input from the key input unit 12 match (S).
17). If the password does not match (S17, N
O), and then the process ends.

On the other hand, if the passwords match (S1
7, YES), the process proceeds to step S18, and the debit IC 18
To start. The debit IC 18 encrypts the payment data including the name of the store that purchased the product, the identification code of the store, the purchase price of the product, the payment account number, the personal identification number, and the like according to a predetermined rule. And, the encrypted payment data,
The debit card is transmitted to a computer center such as a bank for settlement (S19). Further, it is determined whether or not the transmission is normally completed (S20), and if it is not completed, error processing such as error display and retransmission is executed.

Next, FIG. 3 is a flow chart of a process for limiting the use place of the debit card. First, it is determined whether or not the service requested by the user is a debit card settlement process (FIG. 3, S31). When the debit card payment process is designated (S31, YES),
In step S32, it is determined whether or not the place (area) where the debit card can be used has been set.

If the place where the debit card can be used is set (S32, YES), step S33.
The position data of the current position is obtained by the position sensor 16 such as a GPS sensor. Then, the position data of the current position is compared with the position data of the place registered as the place where the user permits the use of the debit card, and the registered position data matches the position data of the current position. It is determined whether or not there is an item (S34).

If the position data of the place registered by the user includes one that is located with the position data of the current position (S34, YES), the next process, for example,
The debit card settlement process described above is executed.

On the other hand, in the registered position data,
If there is no match with the position data of the current position (S34, NO), the NG process, that is, the payment process of the debit card is not executed, and the process of displaying that the debit card cannot be used is executed.

For example, by pre-registering the locations of one or a plurality of shops that oneself frequently uses, it is possible to prevent the debit card function of the mobile phone 11 from being used in a place other than the shops. As a result, even if information such as the payment account number of the debit card and the personal identification number is registered in the mobile phone 11, it cannot be used in a place other than the place previously registered by the user. Even if it is stolen, it is possible to reduce the possibility that another person will illegally use the debit card.

It should be noted that registering the place where the use of the above card is permitted is also effective when the product is purchased on the network. For example, by limiting the place of use when using the card via the network to home, even if the mobile phone 11 is lost or stolen, it is possible to prevent unauthorized use of the card by another person. .

When it is determined in step S32 that the usable place of the debit card is not set (S32, NO), the process proceeds to step S35, and the area-free setting which does not limit the use place is performed. It is determined whether or not there is.

If the area-free setting is set (S35, YES), it means that the user has set so that the debit card function can be used anywhere, so the following processing, for example, debit card settlement processing is performed. To execute.

If the place where the use of the debit card is permitted is not set and the area is not set free (S35, NO), error processing is executed to ensure security. Inform the user that the debit card is not set up for location.

Next, FIG. 4 is a flow chart of a process for making the debit card of the mobile phone 11 which has been stolen or the like unusable. Judgment unit 17 of mobile phone 11
Receives a command from the wireless base station (see FIG. 4, S
41), it is determined whether the received command is a command for invalidating the function of the mobile phone 11 (S42).

When the received command is an invalid command (S42, YES), the process proceeds to step S43, and it is further determined whether or not the command prohibits the use of the debit card.

If the received command is the command for prohibiting the use of the debit card (YES at S43), the process proceeds to step S44 to execute the process of prohibiting the use of the debit card.

That is, when the mobile phone 11 is lost or stolen, the center managing the communication of the mobile phone is requested to disable the debit card function of the mobile phone 11 owned by the center, and the center is However, a command for disabling the debit card function can be transmitted to the corresponding mobile phone 11. As a result, the mobile phone 1
Since the debit card function of 1 can be disabled, it is possible to prevent unauthorized use of the debit card by others.

If the received command is not a command for prohibiting the use of the debit card (S43, N
O), proceeding to step S45, it is determined whether or not the command is a command to prohibit use of the mobile phone 11. In the case of a command for prohibiting the use of the mobile phone 11, (S45, YE
S), proceeding to step S46, a process of prohibiting use of the mobile phone 11 is executed.

By this processing, the owner of the mobile phone 11 can immediately make the corresponding mobile phone 11 unusable by contacting the center about the loss or theft of the mobile phone 11, so that the owner of the mobile phone 11 cannot use it. It is possible to prevent unauthorized use of the mobile phone 11.

The command for disabling the debit card function is not limited to the method of transmitting it from the center to the mobile phone 11. For example, a person who has lost or stolen the mobile phone 11 may use a general phone or another phone. The mobile phone may send a preset authentication code and a command for disabling the debit card function to the mobile phone 11. When the mobile phone 11 that receives the authentication code and the command to disable the debit card disables the debit card function when the received authentication code and the preset authentication code match. good.

The present invention is not limited to the above embodiment,
You may comprise as follows. Although the mobile phone 11 according to the embodiment includes both the voiceprint or fingerprint sensor 15 and the position sensor 16, only one of them may be provided.

Further, instead of providing the position sensor 16 on the mobile phone 11, the position of each mobile phone 11 is calculated at the center that manages the communication of the mobile phone, and the calculated position data is transmitted to the mobile phone 11. You can

The personal identification information is not limited to a voiceprint or a fingerprint, and may be any information as long as it is characteristic information that can identify an individual. For example, it may be a pattern of the eye glow. The information stored in the mobile phone is not limited to card information such as credit cards and debit cards, but electronic money may be stored. Even in that case, if the input personal identification information and the registered personal identification information or the position data of the current position and the position data of the registered place do not match, if the electronic money cannot be used, If the mobile phone 11 is lost or stolen,
It can prevent unauthorized use by others.

The present invention can be applied not only to a dedicated device for a mobile phone but also to a portable computer having a mobile phone function, a PDA or the like.

[0044]

According to the present invention, by providing a cell phone with a card function such as a credit card or a debit card and limiting the places where the card can be used, it is possible to prevent unauthorized use of the card by others. . In addition, by identifying the user with the personal identification information, it is possible to prevent unauthorized use of the card by another person.

[Brief description of drawings]

FIG. 1 is a diagram showing functions of a mobile phone.

FIG. 2 is a flowchart in the case of performing payment processing using a debit IC.

FIG. 3 is a flowchart of a process of restricting places where a debit card is used.

FIG. 4 is a flowchart of a process for making a debit card unusable.

[Explanation of symbols]

11 mobile phones 15 Voiceprint or fingerprint sensor 16 Position sensor 17 Judgment section 18 debit IC 19 Transmitter / receiver

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Claims (6)

[Claims] 1. A wireless communication means, a settlement means having information of a card used for settlement and a settlement function of the card, an identification information registration means for registering personal identification information of an owner, and inputting personal identification information. Identification information input means, and the personal identification information input from the identification information input means,
Determination means for determining whether or not the personal identification information of the owner registered in the identification information registration means matches; and if the determination means determines that the personal identification information matches, the wireless communication means A mobile phone with a card function, comprising: control means for transmitting the payment data of the card via the card, and prohibiting the payment of the card when the personal identification information is determined not to match. 2. A wireless communication means, information about a card used for payment and a payment means having a payment function for the card, position registration means for registering a usable place of the card, and position data of the current position. Position data acquisition means to acquire, position data of the current position acquired by the position data acquisition means, and determination means for determining whether the position data of the location registered by the position registration means match, If the determination unit determines that the position data match, the payment data of the card is transmitted via the wireless communication unit, and if the position data does not match, the card payment is prohibited. A mobile phone with a card function, comprising: 3. The mobile phone with a card function according to claim 1, wherein the control means invalidates the settlement function in accordance with an instruction from a center that manages communication of the mobile phone. 4. The control means disables the payment function of the card when receiving an authentication code set by the owner and an instruction to disable the payment function of the payment means from another telephone. The mobile phone with a card function according to claim 1 or 2. 5. The control means prohibits the payment of the card when the personal identification information or the position information does not match when the payment is made via a network. A mobile phone with a card function according to any one of 1. 6. A wireless communication means, a storage means for storing electronic money, an identification information registration means for registering personal identification information of an owner, an identification information input means for inputting personal identification information, and the identification information input. The personal identification information entered from the means is
Determination means for determining whether or not the personal identification information of the owner registered in the identification information registration means matches; and if the determination means determines that the personal identification information matches, the wireless communication means A mobile phone with a settlement function, comprising: control means for prohibiting the use of the electronic money when it is determined that the personal identification information does not match, by transmitting the electronic money via the.