JP4621340B2 - Payment methods for charges between mobile terminals and mobile terminals - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a mobile terminal such as a mobile phone that can use a memory card, and a charge settlement method using the mobile terminal.
[0002]
[Prior art]
Conventional payment systems for paying usage fees in advance have made it possible to make payments using dedicated prepaid cards such as magnetic recording media, contact IC cards, and non-contact (wireless) IC cards. Yes.
[0003]
However, in the settlement system as described above, only one type of prepaid card can be used per system. For example, prepaid cards that can be used in systems such as railways and toll roads are limited to use only at each railway company or toll road.
[0004]
For this reason, a user who uses a plurality of railway companies and toll roads must have a plurality of prepaid cards and use the plurality of prepaid cards separately. Therefore, handling or management of a plurality of prepaid cards becomes complicated and inconvenient.
[0005]
Further, the prepaid card used in the conventional settlement system has no protection function from unauthorized use by others. For this reason, even when the prepaid card is stolen or when the prepaid card is earned by another person, there is a problem that unauthorized use is easily performed.
[0006]
[Problems to be solved by the invention]
As described above, the prepaid card is different for each of the various systems that allow advance payment of the usage fee, which makes it difficult to manage a plurality of prepaid cards and reduces the convenience for the user. A mobile terminal that can easily manage prepaid information for various systems that allow advance payment of usage charges and improve the convenience for users. The purpose is to do.
[0007]
In addition, it solves the problem that various prepaid cards that can be used for various systems that can be prepaid for usage charges have no protection function, and unauthorized use is easily performed. It is an object of the present invention to provide a mobile terminal and a payment method for charges by the mobile terminal in which prepaid information for each of various systems that can be used is not easily illegally used.
[0010]
[Means for Solving the Problems]
The portable terminal of the present invention includes wireless communication means for performing wireless communication with various wireless communication systems, and monetary information that can be used in various wireless communication systems capable of wireless communication with the wireless communication means for each wireless communication system. A medium processing means for reading and writing information to a recording medium to be recorded, a wireless communication system to be used by wireless communication with the wireless communication system by the wireless communication means, and specifying the wireless communication from the specified wireless communication system First determining means for determining whether or not the usage fee can be paid based on the amount information for the wireless communication system read from the recording medium by the medium processing means when the usage fee is received by the means If it is determined by the first determination means that the usage fee can be paid with the amount information for the wireless communication system The amount information for the wireless communication system is processed by the first processing means for performing the payment processing of the usage fee by processing the amount information for the wireless communication system by the medium processing means. If it is determined that the usage fee cannot be paid, can the usage fee be paid based on the amount information for a wireless communication system other than the wireless communication system read from the recording medium by the medium processing means? A second determination unit that determines whether or not the second communication unit determines that the usage fee can be paid using the amount information for a wireless communication system other than the wireless communication system. Judgment means for judging a fee when paying the usage fee with the amount information for the wireless communication system other than the system, and this judgment means And the determined fee and the usage fee is configured money amount information for the wireless other than the communication system the wireless communication system from a second processing means for performing payment process by processing in the media processing unit.
[0014]
The charge settlement method by the portable terminal of the present invention includes wireless communication means for performing wireless communication with various wireless communication systems, and monetary information used in various wireless communication systems capable of wireless communication with the wireless communication means. In a method using a portable terminal having medium processing means for reading and writing information to a recording medium recorded for each wireless communication system, the wireless communication means uses the information based on an inquiry signal from the wireless communication system Based on the amount information for the wireless communication system read out from the recording medium by the medium processing means when the wireless communication system is specified and the usage fee is received from the specified wireless communication system by the wireless communication means, It is determined whether or not the above usage fee can be paid. If it is determined that the usage fee can be paid, the usage fee is paid by processing the amount information for the wireless communication system by the medium processing means, and the amount for the wireless communication system is determined by the determination. If it is determined that payment of the usage fee is impossible based on information, the usage fee can be paid based on the amount information for a wireless communication system other than the wireless communication system read from the recording medium by the medium processing means. If it is determined by this determination that the usage fee can be paid with the amount information for the wireless communication system other than the wireless communication system, the wireless communication system for the wireless communication system other than the wireless communication system is used. The fee for payment of the above usage fee is determined by the amount information, and the determined fee and the above usage fee are not The amount information for other than the communication system radio communication system, characterized in that pay by treating with the media processing unit.
[0016]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below with reference to the drawings.
[0017]
FIG. 1 is a diagram illustrating an example of a wireless system in which a portable terminal M according to the present invention is used.
[0018]
As shown in FIG. 1, the mobile terminal M includes a ticket vending machine 3, a radio system 1 for a railway company having an automatic ticket gate 4, and a prepaid vending machine 5, a gate processing machine installed at a toll gate on a toll road. 6 is used in the radio system 2 for toll roads. In addition, the portable terminal M can be used in a state where the memory card C is connected, and prepaid information that can be used in each wireless system is recorded in the memory card C for each wireless system. It is like that.
[0019]
The mobile terminal M has a wireless communication function, and performs, for example, a telephone call as a mobile phone or data communication such as a mail terminal using a mobile phone communication network. This mobile terminal M is normally used as a mobile phone or a portable mail terminal.
[0020]
The railway company wireless system 1 is constructed for each railway company, and station equipment such as an automatic ticket gate 4 can be used based on prepaid information for each railway company that can be purchased with the ticket vending machine 3 in advance. ing. The toll road wireless system 2 is constructed by networking gate processing machines 6 and the like installed at each toll gate on a toll road such as an expressway. The prepaid vending machine 5 uses the gate processing machine 6. The prepaid information that can be used in is sold.
[0021]
Next, the configuration of the mobile terminal M will be described.
FIG. 2 is a diagram schematically illustrating an internal configuration of the mobile terminal M. As illustrated in FIG.
[0022]
As shown in FIGS. 1 and 2, the mobile terminal M includes an antenna unit 10, a receiver unit 11, a display unit 12, an operation unit 13, a transmitter unit 14, a control circuit 15, a memory 16, a communication control circuit 17, The memory card processing unit 18, a power generation circuit 19, a battery unit 19a, and the like are included.
[0023]
As shown in FIG. 1, an antenna unit 10, a receiver unit 11, a display unit 12, an operation unit 13, and a transmitter unit 15 are provided on the front surface of the main body of the mobile terminal M in order from the top.
[0024]
The earpiece 11 is provided with a speaker hole, and a speaker (not shown) is provided in the opposing main body. The transmitter section 14 is provided with a microphone hole, and a microphone (not shown) is provided in the opposing main body.
[0025]
The display unit 12 is used for various operation guidance. The operation unit 13 includes a numeric keypad and buttons for performing various operations, and performs various settings when used as a mobile phone, inputs a telephone number, and sets when used as a mobile terminal of a wireless system. Or entering a password (authentication information) for personal authentication.
[0026]
Further, as shown in FIG. 2, a control circuit 15 for controlling the whole, a control program, a memory 16 for storing various information such as an ID number (recognition number), and a modulation / demodulation circuit (transmission / reception circuit) It has a communication control circuit 17, a memory card processing unit 18, a power generation circuit 19, and a battery unit 19a.
[0027]
The memory 16 stores use information (use section, use date, etc.). The communication control circuit 17 is connected to the antenna unit 10, demodulates the received data received by the antenna unit 10, outputs the demodulated data to the control circuit 15 and the power supply generation circuit 19, and transmits transmission data from the control circuit 15 to the antenna unit. 10 is transmitted. The communication control circuit 17 is adapted to perform wireless communication by various communication methods in response to a difference in signal frequency when used as a mobile phone and as a terminal device of a wireless system. . Further, when used as a mobile phone and when used as a terminal device of a wireless system, they are controlled by different applications registered in the memory 16.
[0028]
The transmitter 14 is composed of a microphone or the like, and converts words uttered by a user when used as a mobile phone into voice data and outputs the voice data. The receiver 11 is constituted by a speaker or the like, and reproduces received voice data supplied from another device and outputs it from the speaker.
[0029]
The memory card processing unit 18 reads the recorded contents of the inserted memory card C and writes information into the memory card C.
[0030]
The power supply generation circuit 19 generates a power supply voltage based on the received data (radio wave) from the communication control circuit 17, and controls the control circuit 15, the communication control circuit 17, the transmitter 14, the receiver 11, the operation unit 13, the display. It supplies to the part 12. The battery part 19a supplies a power supply voltage to each part when the power generation circuit 19 is not operating.
[0031]
In the memory card C, various prepaid information that can be used in a plurality of wireless systems are recorded in the recording areas C1, C2,. For example, when a user uses a plurality of railway companies and toll roads with prepaid information, the memory card C includes a plurality of recording areas C1, C2 containing prepaid information for each railway company and prepaid information for toll roads. , ... are recorded respectively.
[0032]
Next, a radio system 1 for a railway company will be described as an example of a radio system that can be used by the portable terminal M configured as described above.
[0033]
As shown in FIG. 3, the railway company wireless system 1 is configured by connecting station equipment such as a ticket vending machine 3, an automatic ticket gate 4, a checkout machine 7, a card processing machine 8, and a host computer 9. ing.
[0034]
Station equipment such as the ticket vending machine 3, the automatic ticket gate 4, the checkout machine 7, and the card processing machine 8 has a wireless communication function for performing wireless communication with the portable terminal M, and the processing contents are stored in the host computer 9 Or data from the host computer 9 is received.
[0035]
The host computer 9 is connected to a public line, and can communicate with a host computer of another transportation system or a mobile phone company used as a mobile terminal M.
[0036]
FIG. 4 is a block diagram for schematically explaining the internal configuration of the ticket vending machine 3. As shown in FIG. 4, the ticket vending machine 3 includes a main control unit 20, a display unit 21, an operation unit 22, a reader / writer unit 23, an antenna unit 24, a ticket issuing unit 25, an amount processing unit 26, an interface 27, and the like. ing.
[0037]
The main control unit 20 controls the entire ticket vending machine 3. The display unit 21 and the operation unit 22 are composed of a liquid crystal display device with a built-in touch panel, and display operation guidance and operation buttons. The reader / writer unit 23 performs wireless communication with the portable terminal M via the antenna unit 24. By this wireless communication, the recorded content of the memory 16 or the memory card C in the portable terminal M is transmitted. Read and write. The ticket issuing unit 25 normally issues a boarding ticket. The money amount processing unit 26 processes the amount of money inserted when the user purchases a boarding ticket.
[0038]
FIG. 5 schematically shows an external configuration of an entrance (entrance) automatic ticket gate 4 capable of processing the portable terminal M. The automatic ticket gates 4 are usually installed as a set of two at a ticket gate of a station, and a passage for passers-by is formed between them.
[0039]
At one end of the upper surface of the automatic ticket gate main body 32, an antenna unit (described later) 43 for transmitting and receiving an ID number and the like with a mobile phone M carried by a passerby and having a function of transmitting and receiving by wireless communication. The transmission / reception area 33 is provided.
[0040]
On the main body 32, a guidance display unit 34 for providing guidance to passers-by and station staff is provided.
[0041]
In addition, doors 35 and 35 that can be opened and closed to control the passage of passersby are provided at both ends of the side surface on the passage side of the main body 32, and the doors 35 and 35 are based on the determination result of the passage. Is controlled to open and close.
[0042]
A plurality of optical detectors (not shown) as passer-by detection means are provided on the side surfaces of the main body 32 on the side of each passage.
[0043]
The configuration of the control system of the automatic ticket gate 4 configured as described above will be described with reference to FIG. That is, the control system includes a main control unit 41 that controls the entire automatic ticket gate 4, a reader / writer 42, an antenna unit 43, a door mechanism unit 44 that drives the door 35, and a station controller 3 that controls the apparatus. And an interface 45 for transmitting information between them.
[0044]
The reader / writer 42 transmits a signal from the main control unit 41 to the mobile phone M via the antenna unit 43 and outputs a signal received from the mobile phone M via the antenna unit 43 to the main control unit 41. is there. The reader / writer 42 includes a control circuit for controlling the whole, a control program, a memory for storing various information, a modem as a transmission / reception circuit, and the like.
[0045]
In the toll road wireless system 2, prepaid information that can be used on toll roads is sold by the prepaid vending machine 5 as in the ticket vending machine 3. The gate processor 6 can be used by the prepaid information.
[0046]
Next, a usage example of the mobile terminal M in the wireless system will be described.
[0047]
FIG. 7 is a flowchart for explaining an operation (prepaid information sales process) when prepaid information that can be used in the radio system for the railway company is recorded in the mobile terminal M by the ticket vending machine 3.
[0048]
That is, a user who purchases prepaid information that can be used in the radio system of the railway company first presses a prepaid purchase button displayed on the touch panel as the operation unit 22 of the ticket vending machine 3 (step S1). Then, the main control unit 20 activates a control program for selling prepaid information, and transmits an inquiry signal to the portable terminal M for recording the prepaid information via the antenna unit 24 (step S2). Start wireless communication with.
[0049]
At this time, the user presents the portable terminal M in a communication area (not shown) where the antenna unit 10 can communicate with the memory card C connected. Then, the control circuit 15 of the mobile terminal M receives the inquiry signal via the antenna unit 10 and the communication control circuit 17 (step S3). The control circuit 15 of the portable terminal M that has received the inquiry signal specifies the transportation facility in which the ticket vending machine 3 to be used is operated based on the inquiry signal (step S4). That is, the control circuit 15 specifies the system (wireless system) to be used by the inquiry signal.
[0050]
As a result, when the transportation means to be used is specified, the control circuit 15 starts an authentication process for determining whether or not the memory card C attached to the portable terminal M is the user's own. (Step S5).
[0051]
This authentication process is for determining whether or not the user is the person himself / herself. For example, the user is authenticated by inputting a password. That is, when starting the authentication process, the control circuit 15 first requests the user to input a password. On the other hand, when the user inputs a password through the operation unit 13, the control circuit 15 determines whether or not the input password is correct.
[0052]
If it is determined by this determination that the password is not correct (step S6, NO), the control circuit 15 disables the use of the memory card C because it cannot be authenticated as the person (step S7) and authenticates to the ticket vending machine 3. Sends information indicating impossibility. When the information indicating that this authentication is impossible is received, the main control unit 20 of the ticket vending machine 3 determines that the prepaid information cannot be sold, and ends the prepaid information sales process.
[0053]
If it is determined by the above determination that the password is correct (step S6, YES), the control circuit 15 permits the use of the memory card C and can authenticate the ticket vending machine 3 because it can be authenticated as the person. Along with the information indicating that there has been, personal information and the remaining amount of prepaid information currently available are transmitted (step S8).
[0054]
When the user is authenticated by the authentication process, the main control unit 20 of the ticket vending machine 3 receives the personal information of the user from the portable terminal M via the antenna unit 24 and the reader / writer unit 23, and Information such as the remaining amount of the current prepaid information is received (step S9). Then, the main control unit 20 displays the remaining amount of the current prepaid information on the display unit 21 and displays a prepaid information amount button that can be sold (step S10).
[0055]
The user confirms the remaining amount displayed on the display unit 21 and presses the amount button of the prepaid information desired to be purchased (step S11). Then, the main control unit 20 displays a confirmation button together with a guidance that the mobile phone company as the user company of the portable terminal M with which the user has a contract is charged. At this time, the user may insert cash, and the inserted amount may be recorded in the portable terminal M as prepaid information.
[0056]
When the confirmation button displayed on the touch panel as the operation unit 22 is pressed, the main control unit 20 of the ticket vending machine 3 is instructed to the user of the mobile terminal M and sells prepaid information on the amount. The host computer 9 is inquired whether or not it is acceptable (step S12).
[0057]
Upon receiving this inquiry, the host computer 9 determines whether or not the prepaid information of the indicated amount can be sold based on a customer database (not shown). It should be noted that whether or not the prepaid information for the instructed amount can be sold may be inquired from the host computer 9 to the user company (mobile phone company) of the mobile terminal M.
[0058]
When it is determined that the prepaid information of the above amount cannot be sold, the host computer 9 returns information indicating that the sale is not possible to the main control unit 20 of the ticket vending machine 3. When receiving a reply indicating that the sale is not possible (step S13, NO), the main control unit 20 makes the sale impossible and ends the process.
[0059]
When it is determined that the prepaid information with the above amount can be sold, the host computer 9 returns information indicating that the prepaid information can be sold to the main control unit 20 of the ticket vending machine 3. When receiving a reply indicating that the sale is possible (step S13, YES), the main control unit 20 starts a process of recording prepaid information in the portable terminal M. That is, the main control unit 20 transmits information indicating that the sale of prepaid information is permitted to the portable terminal M (step S14).
[0060]
When the information indicating that the sale of prepaid information is permitted is received (step S15), the control circuit 15 of the portable terminal M records the prepaid information of the railway company in the memory card C by the memory card processing unit 18. Processing for recording money amount information in the area is performed (step S16).
[0061]
When the recording of the amount information on the memory card C is completed, the control circuit 15 notifies the ticket vending machine 3 that the recording of the amount information has been completed via the communication control circuit 17 and the antenna unit 10 (step S17). .
[0062]
When the notification that the recording of the amount information has been completed is received (step S18), the main control unit 20 of the ticket vending machine 3 determines that the amount information recording process has been completed, and the host computer 9 has completed the processing. Is transmitted (step S19), and the prepaid information sales process is completed.
[0063]
As a result, prepaid information that can be used by the transportation facility (railway company) that operates the ticket vending machine 3 is recorded in the portable terminal M.
[0064]
Further, the host computer 9 that has received the processing completion notification from the ticket vending machine 3 requests the user company (mobile phone company) of the mobile terminal M to collect the sales amount. The requested amount is charged to the user by the mobile phone company. At this time, the railroad company of the ticket vending machine 3 that has requested the mobile phone company to collect the amount pays the mobile phone company a fee set in advance by negotiation between the railroad company and the mobile phone company.
[0065]
As a result, companies that sell prepaid information can improve the convenience of users by selling prepaid information cashlessly, and mobile phone companies can use prepaid information together with normal mobile terminal usage fees. Commission income is obtained by collecting the amount requested by the company that sold the product.
[0066]
In the above example, the authentication process is executed in step S5. However, the authentication process may be performed before the prepaid information sales process is started.
[0067]
In the above example, the operation of the ticket vending machine 3 has been described. However, the prepaid vending machine 5 can similarly implement the prepaid information sales process. In this case, the prepaid vending machine 5 is connected to an external device such as a host computer, and the amount of the prepaid information sold is charged to the mobile terminal user company (mobile phone company).
[0068]
Next, an example of using prepaid information using the mobile terminal M will be described.
[0069]
Below, the process at the time of participation by the automatic ticket gate 4 is demonstrated as an example of utilization of prepaid information. In this case, it is assumed that the entrance station code is recorded in the mobile terminal M at the time of entrance.
[0070]
The portable terminal M possessed by the user who uses the automatic ticket gate 4 is assumed to be in a state where the memory card C is mounted, and when the memory card C is mounted, the password or the like as described in step S5 above. (Step S20), and it is assumed that the user is authenticated as a result of the authentication process (step S21).
[0071]
First, a user who participates from the station premises holds the portable terminal M over the transmission / reception area 33 of the automatic ticket gate 4. At this time, the main control unit 41 of the automatic ticket gate 4 transmits an inquiry signal into the area 33 via the reader / writer unit 42 and the antenna unit 43.
[0072]
By this. The control circuit 15 of the portable terminal M receives the inquiry signal from the main control unit 41 of the automatic ticket gate 4 (step S22). The control circuit 15 of the portable terminal M that has received this inquiry signal specifies the transportation facility in which the automatic ticket gate 4 to be used is operated based on the inquiry signal (step S23). That is, the control circuit 15 specifies the system (wireless system) to be used by the inquiry signal.
[0073]
As a result, the control circuit 15 of the mobile terminal M that has identified the transportation facility to be used records the information that identifies the mobile terminal registered in the memory 16 and the ID information such as the user's personal information, and the entry station. The entrance station data such as the entered entrance station code is transmitted to the automatic ticket gate 4 (step S24).
[0074]
When receiving the ID information and the entry station data from the portable terminal M, the main control unit 41 of the automatic ticket gate 4 checks whether the portable terminal M can be used in the corresponding transportation facility based on the ID information. To do.
[0075]
If it is determined by this check that the mobile terminal M can be used, the main control unit 41 calculates a usage fee based on the entrance station data. Information indicating the calculated usage fee is transmitted to the portable terminal M via the reader / writer unit 42 and the antenna unit 43.
[0076]
When receiving the information indicating the usage fee (step S25), the control circuit 15 of the portable terminal M uses the usage fee based on the amount information recorded in the memory card C as the prepaid information for the relevant transportation facility. It is determined whether or not the full amount can be paid (step S25).
[0077]
If it is determined by this determination that the entire amount can be paid based on the amount of the prepaid information for the relevant transportation (step S26, YES), the usage fee is deducted from the prepaid information (step S27), and the automatic ticket gate 4 performs processing. A signal indicating completion is transmitted (step S28).
[0078]
Thereby, the automatic ticket gate 4 opens the door 35 by the door mechanism part 44, and permits a user's passage.
[0079]
If it is determined by the above determination that the amount of prepaid information for the transportation facility is insufficient (step S26, NO), the control circuit 15 prepaid for other transportation facilities recorded in the memory card C. It is determined whether there is an available amount of money in the information (step S29).
[0080]
If it is determined by this determination that there is no available amount in the prepaid information for other transportation, the control circuit 15 informs the display unit 12 that the amount is insufficient, and the automatic ticket gate through the antenna unit 10. 4 is transmitted to the effect that it cannot be used due to an insufficient amount of money (step S30). The automatic ticket gate 4 that has received this shortage of money informs the display unit 34 that it cannot pass due to a shortage of money, and also closes the door 35 by the door mechanism 44 and prevents the user from passing therethrough. And
[0081]
If the control circuit 15 determines that there is an amount that can be used for the prepaid information for other transportation by the above determination, the control circuit 15 determines the fee for using the prepaid information for other transportation (step S31). ).
[0082]
At this time, the fee associated with the use of prepaid information for other transportation facilities is set in advance by negotiation between the transportation facilities. For example, a transportation fee that is actually used and another transportation facility that uses only prepaid information may collect a predetermined fee, or another transportation facility that uses only prepaid information. Only a predetermined fee may be obtained. In addition, the fee may be set according to the usage amount, or a fixed fee may be set for each use count.
[0083]
When the control circuit 15 determines the fee, the display unit 12 uses the prepaid information for other transportation means to the user to guide the user whether or not the payment including the fee may be performed. .
[0084]
In response to this guidance, if the user cannot use the prepaid information for other transportation facilities, the operation unit 13 instructs the use disabled. When the use prohibition is instructed (step S32, NO), the control circuit 15 proceeds to step 30 and transmits the use disable to the automatic ticket gate 4.
[0085]
Further, when the user permits the use of prepaid information for other transportation in response to the above guidance, permission to use is instructed by the operation unit 13. When the permission of use is instructed (step S32, YES), the control circuit 15 calculates the total amount of the use fee and the fee and subtracts the total amount from the prepaid information of other transportation facilities. Is performed (step S32).
[0086]
As described above, when using the prepaid information for other transportation, the user is allowed to select whether or not the prepaid information for other transportation may be used. On the other hand, it can be prevented that prepaid information for other transportation is used.
[0087]
When the withdrawal process is completed, the control circuit 15 transmits to the automatic ticket gate 4 a signal indicating that the usage fee withdrawal process has been completed, information indicating other transportation using the prepaid information, and the amount. (Step S34). And the control circuit 15 displays on the display part 12 that the prepaid information for other transportation was used (step S35).
[0088]
In step S34, when the processing completion notification, information indicating other transportation using the prepaid information, and the usage amount are received from the mobile terminal M, the main control unit 41 of the automatic ticket gate 4 receives the door mechanism. The door 35 is opened by the unit 44 to allow the user to pass. Along with this passage permission, the main control unit 41 transmits information indicating the other transportation means and the amount thereof to the host computer 9 via the interface 45.
[0089]
After that, the host computer 9 charges the usage fee excluding the fee to other transportation facilities. As a result, a fee is obtained as income in a transportation system that uses only prepaid information.
[0090]
In the above example, the use of the prepaid information in the automatic ticket gate 4 has been described. However, the fee settlement process by the settlement machine and the settlement of the usage fee associated with the gate passage by the gate processing machine provided in the toll gate on the toll road Also in the processing, the use of prepaid information by the mobile terminal M can be realized as described above.
[0091]
As described above, each prepaid information that can be used for various wireless systems such as railway companies and toll roads is recorded on a memory card, and when using the prepaid information, the wireless system is specified, and the specified wireless Based on the prepaid information for the system, the usage fee is paid.
[0092]
Thereby, a plurality of types of prepaid information used in various wireless systems can be recorded on one memory card, and the convenience of the user can be improved.
[0093]
Further, when the prepaid information is used, if the remaining amount of the prepaid information for the wireless system is insufficient, the usage fee is paid using the prepaid information for another wireless system.
[0094]
Accordingly, even when the remaining amount for the wireless system is insufficient, the usage fee can be paid using the prepaid information for the other wireless system, and the convenience for the user is improved.
[0095]
In addition, when the prepaid information for the wireless system is insufficient, when the prepaid information for another wireless system is used, the usage fee including the fee is paid.
[0096]
As a result, the usage fee can be paid using the prepaid information for another wireless system, the convenience of the user is improved, and the operating side of the wireless system can also obtain a fee income.
[0097]
Further, when a memory card in which a plurality of types of prepaid information that can be used in various wireless systems is recorded is used in a portable terminal, an authentication process is performed to determine whether the user is the owner of the memory card C. .
[0098]
Thereby, it is possible to prevent an unauthorized use of the memory card by theft or acquisition of the memory card.
[0099]
【The invention's effect】
As described above in detail, according to the present invention, a portable terminal and a portable terminal that can facilitate the management of prepaid information for each of various systems that can be prepaid for the usage fee and improve the convenience for the user. A payment method can be provided by machine.
[0100]
In addition, it is possible to provide a mobile terminal and a payment method for charges by the mobile terminal, in which prepaid information for each of various systems that can be prepaid for the usage fee is not easily illegally used.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a mobile terminal according to an embodiment of the present invention and various wireless systems that can be used by the mobile terminal.
FIG. 2 is a block diagram showing an internal configuration of the mobile terminal.
FIG. 3 is a diagram schematically illustrating a configuration of a radio system of a railway company as a radio system in which a mobile terminal is used.
FIG. 4 is a block diagram schematically showing the configuration of a ticket vending machine.
FIG. 5 is a diagram showing an external configuration of an automatic ticket gate.
FIG. 6 is a block diagram schematically showing the internal configuration of the automatic ticket gate.
FIG. 7 is a flowchart for explaining processing for selling prepaid information to a portable terminal by a ticket vending machine.
FIG. 8 is a flowchart for explaining processing of the portable terminal in the automatic ticket gate.
[Explanation of symbols]
M ... Mobile terminal
C ... Memory card (recording medium)
1 ... Railway system radio system (wireless communication system)
2. Toll road radio system (wireless communication system)
3. Ticket vending machine
4 ... Automatic ticket gate
5. Prepaid vending machine
6 ... Gate processor
10. Antenna part (wireless communication means)
12 ... Display section
13 ... operation part
15 ... Control circuit (processing means)
16 ... Memory
17. Communication control circuit (wireless communication means)
18 ... Memory card processing section (medium processing means)

Claims (2)

Wireless communication means for performing wireless communication with various wireless communication systems;
Medium processing means for reading and writing information to and from a recording medium in which money amount information usable in various wireless communication systems capable of wireless communication by this wireless communication means is recorded for each wireless communication system;
When the wireless communication system to be used is specified by wireless communication with the wireless communication system by the wireless communication means, and the usage fee is received by the wireless communication means from the specified wireless communication system, the medium processing means causes the recording medium to be recorded. First determination means for determining whether or not the usage fee can be paid based on the amount information for the wireless communication system read from
When it is determined by the first determination means that the usage fee can be paid with the amount information for the wireless communication system, the amount information for the wireless communication system is processed by the medium processing means. A first processing means for performing usage fee payment processing;
A wireless communication system other than the wireless communication system read out from the recording medium by the medium processing means when the first determining means determines that the usage fee cannot be paid with the amount information for the wireless communication system. Second determination means for determining whether or not the usage fee can be paid based on the amount information for use;
When it is determined by the second determination means that the usage fee can be paid with the amount information for the wireless communication system other than the wireless communication system, the amount information for the wireless communication system other than the wireless communication system is displayed. A determination means for determining a fee for paying the usage fee,
A second processing means for performing payment processing by processing the fee determined by the determination means and the usage fee in the medium processing means for money amount information for a wireless communication system other than the wireless communication system;
A portable terminal comprising: A wireless communication means for performing wireless communication with various wireless communication systems, and money amount information used in various wireless communication systems capable of wireless communication by the wireless communication means is recorded on a recording medium for each wireless communication system. In a payment method for charges by a portable terminal having medium processing means for reading and writing information,
Identify the wireless communication system to be used based on the inquiry signal from the wireless communication system by the wireless communication means,
Whether the usage fee can be paid based on the amount information for the wireless communication system read from the recording medium by the medium processing unit when the usage fee is received from the specified wireless communication system by the wireless communication unit. Determine whether or not
If it is determined by this determination that the usage fee can be paid with the amount information for the wireless communication system, the usage fee is paid by processing the amount information for the wireless communication system with the medium processing means. And
If it is determined by the above determination that the usage fee cannot be paid with the amount information for the wireless communication system, the amount information for the wireless communication system other than the wireless communication system read from the recording medium by the medium processing means Based on the above, determine whether the above usage fee is payable,
If it is determined by this determination that the usage fee can be paid with the amount information for the wireless communication system other than the wireless communication system, the usage fee is determined with the amount information for the wireless communication system other than the wireless communication system. Determine the fee for making a payment,
The determined fee and the usage fee are paid by processing the amount information for a wireless communication system other than the wireless communication system by the medium processing means,
A charge settlement method using a portable terminal.

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