JP2010211337A - Electronic money batch management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To use an electronic money IC card which does not support a portable terminal by copying information to an IC card which can be inserted into various portable terminals, and to manage registered electronic money information by one application in a lump. <P>SOLUTION: The card information of the electronic money IC card is copied to the portable terminal in which electronic money batch management application is installed and an insertable/detachable IC chip is inserted to enable the portable terminal to make electronic money settlement. By inserting the IC chip into the other portable terminal, the information can be delivered and used easily. The electronic money information held by the IC chip is displayed in a list form and the balance/history inquiry and electronic money charging can be managed by one application in a lump. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  In addition to copying the card information of the electronic money IC card to the portable terminal and enabling the electronic money settlement using the portable terminal in the same manner as the electronic money IC card, the present invention can be easily transferred when the portable terminal is replaced. The present invention also relates to an electronic money batch management system that enables a plurality of pieces of card information copied to one portable terminal to be collectively managed by unified display and operation.

  With the development of IC technology, it has become possible to easily perform electronic money settlement using an electronic money IC card. However, electronic money IC cards of various standards are prosperous, and electronic money settlement with different standards cannot be performed.

  Recently, by introducing an electronic money application to a mobile phone and using a contactless IC built in the mobile phone, it has become possible to make electronic money payments of different standards with a single mobile phone. As a result, it is not necessary to own a plurality of electronic money IC cards, and convenience is improved.

  In FIG. 1, electronic money IC card information (hereinafter simply referred to as “card information”) stored in a built-in IC chip of an electronic money IC card is copied to a built-in storage device of a mobile phone, and the mobile phone is used to electronically It is a schematic block block diagram of the system which performs money settlement. The system includes an electronic money IC card 11 in which information is not yet registered (not copied) in the mobile phone, and the mobile phone 10. The mobile phone 10 is a non-contact type IC reader / writer (hereinafter referred to as “built-in reader / writer”) 12 built in the mobile phone for reading the electronic money IC card 11 and the read card information. EEPROM 13 which is a storage device built in the mobile phone, an operation unit 14 for performing an operation, a display unit 15 for displaying a transition of processing, and a CPU 16 for controlling the whole.

  In such a system, the CPU 16 processes the card information read by holding the electronic money IC card 11 over the built-in reader / writer 12 of the mobile phone 10 and records it in the EEPROM 13 in the mobile phone 10 (copy of card information). . By this operation, even in the mobile phone 10 that does not support the electronic money application, the electronic money settlement can be used in the same manner as the electronic money IC card 11. Patent Document 1 discloses such a mobile phone. The mobile phone of Patent Document 1 is connected to an external reader / writer (not shown) via the built-in reader / writer 12 in FIG. 1 and transmits / receives card information recorded in the EEPROM 13 as if the mobile phone 10 Operates as if it is an electronic money IC card 11.

JP 2005-18270 A

  By the way, in recent years, electronic money IC cards of various standards have been prosperous, and electronic money IC cards are provided for each use area and store. Therefore, as electronic money becomes more popular, the number of electronic money IC cards increases. It will increase.

  For this reason, it is necessary to carry a large number of electronic money IC cards behind the streamlined process of saving cash at the time of small payments, and it takes time and effort to find and use the target card from among them. End up.

In addition, even when the card information can be copied to a mobile phone as in Patent Document 1, the electronic money charge must be performed on the electronic money IC card using a corresponding external reader / writer as before, The electronic money charge information must be synchronized between the electronic money IC card and the mobile phone after charging.
Further, when the card information of each of the plurality of electronic money IC cards is copied to the mobile phone, the above charging operation must be performed for each electronic money IC card. Further, there is a troublesome operation due to the balance / usage history management occurring for each electronic money IC card.
Because these things are not efficient, it leads to neglecting management of electronic money charge and balance / usage history, and when making an electronic money settlement with a mobile phone, it becomes an error due to insufficient balance and eventually cash must be used There are frequent inefficient events. Overall, the lack of convenience is hindering the spread of electronic money. Further, since the card information read from the electronic money IC card is copied to the built-in storage device of the mobile phone, there is inconvenience in the transition and synchronization processing when the mobile phone is replaced.

  An object of the present invention is to allow card information recorded on an electronic money IC card not compatible with a portable terminal such as a cellular phone to be inserted into and removed from various portable terminals (hereinafter referred to as “insertion / removal”). Electronic money batch that can be used by copying to a certain IC chip, and can collectively manage a plurality of card information copied to one portable terminal with one application installed in the portable terminal To provide a management system.

  In order to achieve the above object, an electronic money collective management system according to the present invention provides an IC chip having a storage area and card information of an electronic money IC card having a non-contact type IC mounted therein. Is a system that enables electronic money settlement by both the electronic money IC card and the portable terminal. Further, by inserting the detachable IC chip into another portable terminal, the other portable terminal takes over the card information, thereby enabling electronic money settlement. Also, there is provided collective management means for performing balance inquiry, history inquiry and electronic money charge related to a plurality of card information registered in the IC chip inserted in the portable terminal with one application. The configuration of this system is as follows.

The electronic money collective management system according to the present invention enables information to be linked with an electronic money IC card in which card information is recorded, and with an external reader / writer for electronic money settlement corresponding to the electronic money IC card. In an electronic money batch management system having a portable terminal equipped with a built-in reader / writer, an IC chip that can be inserted into and removed from the mounting portion of the portable terminal and has a storage area Means for reading the card information from the electronic money IC card using the built-in reader / writer, and means for copying the read card information to the IC chip. Linking information with the external reader / writer using the card information copied to the IC chip Characterized by comprising a means for performing electronic money settlement by the.
Furthermore, it has another portable terminal provided with a mounting part to which the IC chip can be inserted and removed, and the another portable terminal into which the IC chip is inserted uses the card information copied to the IC chip to It is preferable to provide means for performing electronic money settlement by linking information with a reader / writer.
Still further, the portable terminal includes means for installing an application for managing card information copied to the IC chip, and the card information includes electronic money information for identifying a type of electronic money, a customer The mobile terminal including the customer information for specifying the card and the balance information and installing the application and inserting the IC chip is unique to the card information when copying the new card information to the IC chip. A means for assigning an electronic money name and recording it on the IC chip in association with the card information, and a list of electronic money names assigned to the card information recorded on the IC chip. Means for inputting a selection of one of the electronic money names and using the input electronic money name as a key Identify the corresponding card information recorded on the IC chip, identify the corresponding card information recorded on the IC chip with the means for acquiring the balance information and the input electronic money name as a key, Means for acquiring the electronic money information and customer information, acquiring history information by linking information with the external reader / writer based on the acquired electronic money information and customer information, and the input electronic money name as a key The corresponding card information recorded in the IC chip is identified, the electronic money information and customer information are acquired, and the electronic information is obtained by linking the information with the external reader / writer based on the acquired electronic money information and customer information. It is preferable to provide a means for performing money charge.

As described above, the electronic money batch management system of the present invention has the following effects.
By copying the card information of electronic money IC cards that are not compatible with portable terminals to IC chips that can be inserted into and removed from various portable terminals, the same card payment function as electronic money IC cards can be obtained using various portable terminals. Make it available. Moreover, the card information of a plurality of electronic money IC cards registered in the IC chip can be collectively managed by one application, and balance inquiry, history inquiry and electronic money charge related to each card information can be efficiently performed. Can be done automatically.

It is a block block diagram of the system which shows background art. It is a system configuration figure showing an example of an embodiment of the present invention. It is a block block diagram inside a portable terminal. It is an electronic money IC card information data block diagram in an IC chip. It is a flowchart which shows the outline | summary of the card information copy process in a portable terminal. It is a flowchart which shows the outline | summary of the IC chip authentication process in a portable terminal. It is a flowchart which shows the outline | summary of the card information copy process in a portable terminal. It is a flowchart which shows the outline | summary of the balance, log | history inquiry, and electronic money charge in a portable terminal.

  FIG. 2 is a system configuration diagram showing an embodiment of the present invention. The electronic money batch management system of this embodiment has an IC chip 21, a download server 22, a portable terminal 23, an electronic money IC card 24, an external reader / writer 25, an electronic money server 26, and another portable terminal 27.

  The electronic money IC card 24 can usually perform electronic money settlement by linking information with the corresponding external reader / writer 25. The electronic money IC card 24 records card information in a built-in recording area. The external reader / writer 25 is connected to a plurality of electronic money servers 26 via a network, and links information. Each electronic money server 26 exists for each type of electronic money IC card, and manages various types of information related to electronic money settlement by the electronic money IC card 24.

  The IC chip 21 has a storage area and can be inserted into and removed from the portable terminals 23 and 27. When the IC chip 21 is inserted into the mobile terminal, the storage area of the IC chip 21 can be used as the storage area of the mobile terminals 23 and 27.

  The mobile terminal 23 is, for example, a mobile phone, and includes a built-in reader / writer that is a non-contact type IC (see FIG. 3 described later), and card information can be read from the electronic money IC card 24 via the built-in reader / writer. is there. The built-in reader / writer of the portable terminal 23 can link information with the external reader / writer 25 corresponding to the electronic money IC card 24. A predetermined application is downloaded from the download server 22 and installed in the portable terminal 23. The predetermined application supports copy processing of card information from the electronic money IC card 24 and collective management of a plurality of card information registered in the mobile terminal.

  When the card information of the electronic money IC card 24 is to be copied to the IC chip 21, first, the IC chip 21 is prepared and inserted into the portable terminal 23. Thereby, the card information of the electronic money IC card 24 can be copied to the IC chip 21 via the portable terminal 23. The electronic money IC card 24 is held over a built-in reader / writer of the portable terminal 23 to cause the portable terminal 23 to read the card information of the electronic money IC card 24. The portable terminal 23 copies the read card information to the inserted IC chip 21. The card information of a plurality of electronic money IC cards 24 can be copied to one IC chip 21 using the same procedure.

  When the card payment is performed by the portable terminal 23, the built-in reader / writer of the portable terminal 23 is held over the external reader / writer 25, and information is linked with each electronic money server 26 connected to the external reader / writer 25, Electronic money settlement can be performed in the same manner as an electronic money IC card.

  When there is another portable terminal 27 owned by the user at the same time as the portable terminal 23 or another portable terminal 27 after the switching of the portable terminal 23, the detachable IC chip 21 is transferred from the portable terminal 23 to the portable terminal 27. In addition, by downloading and installing the predetermined application from the download server 22 to the portable terminal 27, the portable terminal 27 can be used for electronic money settlement in the same manner as the electronic money IC card.

  In this manner, the portable terminal 27 can use the electronic money IC card without performing any other migration work by simply replacing the IC chip 21 from the portable terminal 23 and downloading the application. For example, when changing the model of a mobile phone, before the model change procedure, the pre-migration procedure was performed, and the operation to acquire and register pre-migration information on a new mobile phone after the model change procedure was performed for each electronic money. However, according to the present invention, it is possible to migrate by simply replacing the IC chip 21 and downloading and installing the electronic money batch management application.

  Further, the application downloaded from the download server 22 has a function of collectively managing a plurality of card information copied to the IC chip 21. Therefore, the balance / history information of the electronic money IC card to be inquired is obtained from each corresponding electronic money server and displayed on the screen of the portable terminal 23 simply by starting one application installed on the portable terminal 23. Give me. Furthermore, this application also has a function of directly charging electronic money to the mobile terminal 23.

  FIG. 3 is a block configuration diagram showing the inside of the mobile terminal shown in FIG. 2 and the electronic money IC card as a copy source. The electronic money IC card 31 as a copy source corresponds to one of the reference numerals 24 in FIG. The portable terminal 30 (corresponding to reference numerals 23 and 27 in FIG. 2) includes a built-in reader / writer 32, a detachable IC chip 33 (corresponding to reference numeral 21 in FIG. 2), a control program held by the portable terminal, and various A mask ROM 34 that is a storage device for storing data, an operation unit 35 that performs GUI operation of an application, a display unit 36 that displays a screen, etc., and a fingerprint authentication device 37 that reads a fingerprint on a portable terminal when verifying identity The CPU 38 controls the whole. Although not shown, the mobile terminal 30 includes a mounting portion that allows the IC chip 33 to be inserted and removed.

  The detachable IC chip 33 has a nonvolatile storage device EEPROM 331 and a non-rewritable ROM 332. Card information 3311 copied from the electronic money IC card 31 is stored in the nonvolatile storage device EEPROM 331. In the ROM 332 that cannot be rewritten, fingerprint information 3321 for identity verification is stored.

  The portable terminal 30 can copy the card information of the electronic money IC card 31 by inserting the IC chip 33 that can be inserted and removed into the mounting portion and installing the electronic money batch management application in the mask ROM 34. . After making this preparation, when the electronic money IC card 31 as a copy source is held over the built-in reader / writer 32, a reading confirmation screen is displayed on the display unit. Subsequently, by inputting a confirmation command from the operation unit 35, the read card information is stored as card information 3311 in the EEPROM 331 of the IC chip 33. As a result, the portable terminal 30 can be used as if it were the electronic money IC card 31.

  When using another mobile terminal or replacing it with another mobile terminal, the detachable IC chip is removed from the original mobile terminal, inserted into the other mobile terminal, and a new electronic money is added. By installing the collective management application in the mask ROM 34 of the other portable terminal, the card information read by the original portable terminal can be used as it is.

  If the mobile device itself is lost, it can be locked with the current technology so that the mobile device itself cannot be used. However, if the IC chip 33 inserted in the portable terminal is removed or the IC chip 33 itself is lost, the recorded card information may be misused. Therefore, fingerprint information 3321 that can be registered only by a dedicated terminal when the IC chip 33 is purchased / obtained is recorded in the ROM 332 of the IC chip 33. When the mobile terminal is inserted / removed, the fingerprint authentication device 37 of the mobile terminal always reads the fingerprint from the next time to check whether the fingerprint information matches the fingerprint information registered in the ROM 332. If the match cannot be confirmed, the card information 3311 cannot be used, thereby ensuring security.

  FIG. 4 is a data configuration diagram of card information recorded in the EEPROM 331 of the IC chip 33 of FIG. As shown in the figure, it is composed of electronic money information 41, electronic money name 42, customer information 43, and balance information 44. Among these, the type of electronic money is specified by the electronic money information 41, and the customer information 43 assigned for each type of electronic money is used to specify the customer when cooperating with each electronic money server. .

Here, for example, when performing electronic money payment of XYZ company, holding the portable terminal with the IC chip of the present invention over an external reader / writer (reference numeral 25 in FIG. 2) installed in a store or the like, The portable terminal searches the IC chip based on the electronic money information read by the external reader / writer, and specifies which electronic money information 41 is to be settled. Next, the balance information 44 is confirmed, and if payment is possible, electronic money payment is performed. At this time, the customer information 43 registered in the IC chip is linked with the electronic money server (reference numeral 26 in FIG. 2), so that the electronic money server identifies which customer has made how much payment and stores the information in the server. Update the information.
In this way, by holding information in an IC chip that can be inserted into and removed from a mobile terminal, even if the IC chip is replaced with another mobile terminal, it is possible to continue using the information and use electronic money settlement.

FIG. 5 is a flowchart showing an outline of processing in which the mobile terminal copies card information from the electronic money IC card. Reference is also made to FIG. 2 as necessary.
First, when the IC chip 21 is purchased / obtained, the fingerprint information of the owner is registered in the IC chip 21 in order to prevent anyone other than the person from obtaining / using the IC chip 21 illegally (S501). Fingerprint information can be registered only by using a specific registration device. The registration device should be installed only in a specific place where the IC chip 21 can be obtained. Once the fingerprint information is registered in the ROM 332 in the IC chip 21 Security is realized by making it non-rewritable. Register fingerprint information only for the first time.

  Next, it is confirmed whether the IC chip 21 is inserted (S502). If the IC chip is not inserted, the IC chip 21 is inserted into the portable terminal (S503). Here, the authentication process of the IC chip 21 is performed so that the IC chip 21 can be used by performing fingerprint authentication with the fingerprint information first registered in the IC chip 21 so that an unauthorized person cannot use the IC chip 21 illegally (S504). ).

  After confirming that the IC chip 21 is correctly inserted, it is confirmed whether or not an electronic money collective management application for copying card information or performing a balance / history inquiry collectively is installed (S505). If not installed, it is downloaded from the download server 22 and installed (S505).

It is confirmed that the electronic money batch management application is correctly installed, and the card information to be copied to the mobile terminal is copied (S506).
By performing the above operation, the card information is copied to the mobile terminal, and electronic money settlement, balance / history inquiry, and electronic money charge can be performed on the mobile terminal.

  FIG. 6 is a flowchart showing an outline of the IC chip authentication process. First, a fingerprint is read by a fingerprint authentication device mounted on a portable terminal (S601). It is confirmed whether the fingerprint can be read correctly (S602). If the reading is successful, the fingerprint information registered in the IC chip 21 is checked (S603). As a result of the matching, if the fingerprint information of both coincides, the authentication of the IC chip 21 is successful and the inserted IC chip 21 can be used.

  If reading fails (S602) or if the fingerprint information registered in the IC chip 21 does not match (S604), error processing (S605) is performed and the IC chip 21 uses the authentication as a failure. Can not.

FIG. 7 is a flowchart showing details of the card information copy process in step 506 of FIG. Refer to FIG. 4 as necessary.
First, the electronic money IC card held over the portable terminal is detected by the function of the installed electronic money collective management application (S701), and it is confirmed whether or not the electronic money IC card is correctly detected (S702). If the electronic money IC card is successfully detected, whether it is a valid IC card or an electronic money IC card that can be registered in a portable terminal based on validity determination information such as key information acquired from the electronic money IC card Etc. are checked (S704). If the result of this check is satisfactory, the card information data is received from the electronic money IC card (S706). Here, the received card information data is not an easy-to-understand name, but most of the information is stored in alphanumeric characters, and the card information registered by the electronic money batch management application is displayed as a list. Inappropriate for output. Therefore, in order to give an arbitrary unique name to the received card information, the user is prompted to input the electronic money name 42 (S707). Finally, the card information is recorded in the IC chip 21 in association with the given electronic money name 42, whereby the card information copy process is completed.

  If the detection of the IC card fails (S702) or the validity check of the IC card and the portable terminal is NG (S704), an error process (S705) is performed to copy the IC card information. Let it fail.

FIG. 8 is a flowchart showing an outline of a balance / history inquiry / electronic money charge using a mobile terminal. Refer to FIG. 4 as necessary.
First, the electronic money batch management application is activated (S801). Then, all the card information in the IC chip 21 inserted in the portable terminal is read, and each electronic money name 42 is displayed in a list display. Next, an input for selecting any electronic money name 42 for which balance / history inquiry or electronic money charge is desired is performed (S802). Then, an operation to be performed on the selected electronic money name 42 is selected from “balance inquiry”, “history inquiry”, and “electronic money charge” (S803). In this way, by making it possible to collectively manage electronic money IC card information registered in a mobile terminal with a single application, it is possible to easily perform balance / history queries and electronic money charges that have been troublesome until now. become able to.

  When the selected operation is “balance inquiry”, the balance information 44 is obtained from the card information 3311 in the EEPROM 31 held in the IC chip 21 by using the card information 41 paired with the electronic money name 42 selected in S802 as a key. Is acquired (S804), and the balance is displayed (S805).

  If the selected operation is “history inquiry”, the electronic money information 41 paired with the electronic money name 42 selected in S802 is used as a key to connect to the corresponding electronic money server via the external reader / writer, and further the electronic money name The customer information 43 in the EEPROM 31 held in the IC chip 21 is acquired using the electronic money information 41 paired with 42 as a key, and the corresponding history information of the electronic money server is acquired based on the acquired customer information 43. (S806) The history is displayed (S807).

  If the selected operation is “electronic money charge”, the electronic money information 41 paired with the electronic money name 42 selected in S802 is used as a key to connect to the corresponding electronic money server via the external reader / writer, and further the electronic money The customer information 43 in the EEPROM 31 held in the IC chip 21 is acquired using the electronic money information 41 paired with the name 42 as a key, and the electronic money is charged with the electronic money server based on the acquired customer information 43. The process (S808) is performed in cooperation.

21 IC chip 22 Download server 23 Mobile terminal 24 Electronic money IC card 25 External reader / writer 26 Electronic money server 27 Another mobile terminal

Claims (3)

In order to be able to link information with an electronic money IC card in which card information is recorded, and to be able to link information with an external reader / writer for electronic money settlement corresponding to the electronic money IC card, In an electronic money batch management system having a mobile terminal equipped with a built-in reader / writer,
An IC chip that can be inserted into and removed from the mounting portion of the portable terminal and has a storage area;
Means for reading the card information from the electronic money IC card using the built-in reader / writer, means for copying the read card information to the IC chip, and the IC chip. An electronic money collective management system comprising: means for performing electronic money settlement by linking information with the external reader / writer using card information copied to the card.   The portable terminal further includes another portable terminal having a mounting part to which the IC chip can be inserted / removed, and the another portable terminal into which the IC chip is inserted uses the card information copied to the IC chip. 2. The electronic money batch management system according to claim 1, further comprising means for performing electronic money settlement by linking information with a writer. The portable terminal comprises means for installing an application for managing card information copied to the IC chip; and
The card information includes electronic money information that specifies a type of electronic money, customer information that specifies a customer, and balance information.
The portable terminal in which the application is installed and the IC chip is inserted, when new card information is copied to the IC chip, a unique electronic money name is assigned to the card information and associated with the card information. Means for recording on the IC chip;
Means for displaying a list of electronic money names given to the card information recorded in the IC chip on the display unit of the portable terminal and inputting selection of any electronic money name;
Means for identifying the corresponding card information recorded in the IC chip using the input electronic money name as a key, and acquiring the balance information;
Using the input electronic money name as a key, the corresponding card information recorded in the IC chip is specified, the electronic money information and customer information are acquired, and the external money is acquired based on the acquired electronic money information and customer information. A means for acquiring history information by linking information with a reader / writer,
Using the input electronic money name as a key, the corresponding card information recorded in the IC chip is specified, the electronic money information and customer information are acquired, and the external money is acquired based on the acquired electronic money information and customer information. The electronic money collective management system according to claim 1, further comprising means for charging electronic money by linking information with a reader / writer.

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