WO2005109268A1 - Terminal d’information, monnaie électronique utilisant la méthode et programme - Google Patents

Terminal d’information, monnaie électronique utilisant la méthode et programme Download PDF

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Publication number
WO2005109268A1
WO2005109268A1 PCT/JP2005/004948 JP2005004948W WO2005109268A1 WO 2005109268 A1 WO2005109268 A1 WO 2005109268A1 JP 2005004948 W JP2005004948 W JP 2005004948W WO 2005109268 A1 WO2005109268 A1 WO 2005109268A1
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WO
WIPO (PCT)
Prior art keywords
electronic value
information
usage
mobile phone
phone terminal
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/JP2005/004948
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English (en)
Japanese (ja)
Inventor
Tatsuro Niina
Jun Anzai
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Panasonic Holdings Corp
Original Assignee
Matsushita Electric Industrial Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Matsushita Electric Industrial Co Ltd filed Critical Matsushita Electric Industrial Co Ltd
Publication of WO2005109268A1 publication Critical patent/WO2005109268A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices

Definitions

  • the present invention relates to an information terminal capable of using electronic value, an electronic value using method, and a program.
  • a system for purchasing goods and services using electronic values such as electronic money and electronic tickets is in the stage of practical use. This system is expected to spread and develop rapidly with the electronic payment system in the future.
  • a system that authenticates when issuing, using, or transferring an electronic ticket for example, see Patent Document 1 or Patent Document 2
  • Patent Document 3 a system for determining whether or not there is a key
  • Patent Document 1 Japanese Patent Application Laid-Open No. 2000-123095 (Pages 13 to 24, FIG. 1)
  • Patent Document 2 JP 2001-56835 A (Pages 6-14, Fig. 1)
  • Patent Document 3 JP-A-2002-109614 (Pages 7-13, Fig. 1)
  • the present invention has been made in view of the above circumstances, and an object of the present invention is to provide an information terminal, an electronic value payment method, and a program capable of restricting the use of electronic value based on usage conditions.
  • An information terminal is an information terminal capable of using electronic value, and includes a use information acquisition unit for acquiring the use information of the electronic value, and a determination whether the use information satisfies a use condition. Determining means for determining. According to the above configuration, by providing a determination unit for determining whether or not the usage information satisfies the usage condition, the use of the electronic value can be restricted based on the usage condition by using the determination result.
  • the use information is at least one of use target product information, use time information, and use position information. According to the above configuration, at least one of use target product information, use time information, and use position information can be used as use information.
  • the information terminal of the present invention includes a use condition acquiring means for acquiring the use condition from outside.
  • the use condition can be set externally.
  • the information terminal of the present invention includes a storage unit for storing the use condition, a storage unit for storing the electronic value, and an encrypted electronic value stored in the information terminal using a key held in the information terminal.
  • Decoding means for decoding According to the above configuration, even when only the electronic value is separated from the use condition and transferred to another information terminal or the like, it is not used unless the electronic value is decrypted.
  • the information terminal of the present invention includes a transmission unit that transmits the input use condition in association with the electronic value to the information terminal of the present invention.
  • the electronic value using method of the present invention is a method of using electronic value, in which the use information of the electronic value is acquired, and it is determined whether or not the use information satisfies a use condition.
  • the program of the present invention is a program for utilizing electronic know-how, and is a program for causing a computer to function as means for determining whether or not the use information of electronic value satisfies use conditions. .
  • the invention's effect by judging whether or not the use information satisfies the use condition, the use of the electronic value can be restricted based on the use condition by using the judgment result.
  • FIG. 1 is a block diagram showing a functional configuration of a mobile phone terminal for describing an embodiment of the present invention.
  • FIG. 2 is a flowchart showing a procedure for setting use conditions of the mobile phone terminal shown in FIG. 1
  • FIG. 3 is a diagram showing an operation sequence of each unit in use condition setting.
  • FIG. 5 is a diagram showing an operation sequence of each unit in electronic value transfer
  • FIG. 7 is a flowchart showing an electronic value receiving operation procedure of the mobile phone terminal shown in FIG. 1
  • FIG. 8 A flowchart showing a procedure for inheriting use conditions associated with receipt of electronic value by the mobile phone terminal shown in FIG.
  • FIG. 12 A flow chart showing an operation procedure for judging the availability of electronic value of the mobile phone terminal shown in FIG.
  • FIG. 13 is a diagram showing an operation sequence of each unit in the determination of availability.
  • FIG. 14 A diagram showing a specific operation example of the mobile phone terminal shown in FIG.
  • FIG.15 Schematic diagram showing the data flow in the transfer of electronic devices when transfer is restricted.
  • FIG. 21 Schematic diagram showing the flow of data when determining whether electronic value use is possible by combining usage conditions for a specific product
  • FIG. 1 is a block diagram showing a functional configuration of a mobile phone terminal for describing an embodiment of the present invention.
  • the mobile phone terminal 100 is an information terminal for making a payment using electronic know-how.
  • the mobile phone terminal 100 includes an availability judging device 10, a product information reading device 20, a use condition transmitting device 31, a use condition receiving device 32, and a use condition reading device. 33, usage condition writing device 34, electronic value transmitting device 41, electronic value receiving device 42, balance obtaining device 43, payment device 50, communication device 60, storage device 70, GPS location specifying device 90, clock 91 .
  • the product information reading device 20, the balance obtaining device 43, the position specifying device 90, and the clock 91 each obtain usage information of electronic value such as usage target product information, balance information, usage position information, and usage time information.
  • the use availability determination device 10 determines whether the use information satisfies the use condition.
  • the use condition receiving device 32 acquires an external force use condition, and the storage device 71 stores the use condition.
  • an IC card 300 for storing electronic value is detachably attached to the mobile phone terminal 100. (It may be built in the mobile phone terminal 100 so as not to be detachable.)
  • the electronic knowledge may be stored in, for example, a server connected to the mobile phone terminal 100 via a network.
  • the availability determination device 10 determines the availability of the electronic knowledge in the IC card 300 based on the usage conditions described later and usage information such as product information.
  • the product information reading device 20 also reads external information through a communication device 60, which will be described later, of the product information regarding the product to be purchased.
  • the product information for use can be obtained from the bar code affixed to the product, the attached RFID tag, or the like.
  • the use condition transmitting device 31 transmits the use condition to the outside via the communication device 60. Further, the use condition receiving device 32 receives the use condition via the communication device 60 from an external source. Further, the use condition reading device 33 reads the use condition from the storage device 70 and transmits it to the use condition transmitting device 31. Further, the use condition writing device 34 writes the use condition received from outside by the use condition receiving device 32 to the storage device 70.
  • the use condition transmitting device 31, the use condition receiving device 32, the use condition reading device 33, and the use condition writing device 34 are provided with a memory interface for inputting and outputting use conditions between the communication device 60 and the storage device 70. One face is 30. The usage conditions will be described later.
  • the electronic value transmitting device 41 acquires the electronic knowledge recorded on the IC card 300 and transmits it to the communication device 60. Further, the electronic value receiving device 42 transmits and stores the electronic value obtained by the communication device 60 from the outside to the IC card 300. The balance obtaining device 43 obtains the balance information of the electronic know stored in the IC card 300. In addition, electronic value transmission The communication device 41, the electronic value reception device 42, and the balance acquisition device 43 are an IC card interface for inputting and outputting electronic information and balance information between the communication device 60 and the IC card 300 storing the electronic value. 40.
  • the payment device 50 performs a payment process of the electronic value when the availability determination device 10 determines that the electronic value can be used for purchasing the product.
  • the communication device 60 is a block that performs data communication with an external mobile phone terminal and other communication devices, and includes an RFID tag reader, a wireless communication device, a Bluetooth communication device, an IRDA communication device, and the like.
  • the storage device 70 is a memory for storing usage conditions and the like.
  • the functions of the above-mentioned availability determination device 10, merchandise information reading device 20, balance obtaining device 43, and payment device 50 are implemented by a CPU (not shown) in the mobile phone terminal 100 by a program of the function. Is realized by software.
  • an example will be described in which an electronic value and its usage conditions are transferred from mobile phone terminal 200 having the same configuration as mobile phone terminal 100 to mobile phone terminal 100.
  • FIG. 1A when the operator of the mobile phone terminal 200 having the same configuration as above inputs a usage condition from the input device 80, the usage condition is stored in the storage device 71 via the usage condition writing device 37. It is memorized.
  • FIG. 1 (b) when the operator of the mobile phone terminal 200 operates the electronic value transfer from the input device 80, the transfer processing device 51 performs the electronic value transfer process by a known method. Then, the electronic value is transmitted to the mobile phone terminal 100 via the IC card 301, the electronic value transmitting device 44, and the communication device 61.
  • the usage conditions set for the electronic value are transmitted to the mobile phone terminal 100 via the storage device 71, the usage condition reading device 36, the usage condition transmitting device 35, and the communication device 61 (in addition, The input processing device and the transfer processing device are not shown in the mobile phone terminal 100).
  • the mobile phone terminal 200 is provided with a means for encrypting the electronic value, and transmits the associated use condition and the electronic value in association with each other, the electronic value is encrypted and transmitted.
  • the communication method between the communication device 61 of the mobile phone terminal 200 and the communication device 60 of the mobile phone terminal 100 does not use any communication means such as a Bluetooth device or a wired communication.
  • the electronic device transmitted by infrared communication by the IRDA communication device is stored in the IC card 300 via the communication device 60 of the mobile phone terminal 100 and the electronic value reception device 42.
  • the use condition regarding the electronic value transmitted at the same time is recorded in the storage device 70 via the communication device 60, the use condition receiving device 32, and the use condition writing device 34 of the mobile phone terminal 100.
  • the usage conditions can be set in such a way that the operator of the mobile phone terminal sets the usage conditions for the electronic value by himself or when the electronic value is transferred to another mobile phone terminal. There is a method in which the usage conditions are transferred at the same time, but in the present embodiment, the latter will be described.
  • FIG. 2 is a flowchart showing a usage condition setting operation procedure of the mobile phone terminal shown in FIG. 1, and FIG. 3 is a diagram showing an operation sequence of each unit in the usage condition setting.
  • the usage condition writing device 37 reads the content input by the operator of the mobile phone 200 from the input device 80 (step S101), and associates the content with the electronic value as the usage condition. (Step S102), the data is written to the storage device 70 (Step S103).
  • the use condition writing device 37 of the mobile phone terminal 200 reads the input content from the input device 80 and writes the use condition into the storage device 71.
  • FIG. 4 is a flowchart showing an electronic value transfer operation procedure of the mobile phone terminal shown in FIG. 1
  • FIG. 5 is a diagram showing an operation sequence of each unit in the electronic value transfer
  • FIG. It is a figure showing operation sequence of each part in use condition transfer.
  • the transfer processing device 51 recognizes an electronic value transfer command input by the operator of the mobile phone terminal 200 from the input device 80, and sends the usage condition transmitting device 35 to the communication device 61.
  • the user is instructed to transmit usage conditions (step S201).
  • the use condition transmitting device 35 and the electronic value transmitting device 44 that have received the instructions respectively transmit the use condition and the electronic value to the communication device 61 (step S203).
  • the electronic value transmitting device 44 obtains the electronic value from the IC card 301 and transmits the electronic value to the communication device 61.
  • electronic value transfer When the use condition is transferred along with the transfer, the use condition transmitting device 35 reads the use condition from the storage device 71 and transmits the use condition to the communication device 61.
  • FIG. 7 is a flowchart showing an electronic value receiving operation procedure of the mobile phone terminal shown in FIG. 1, and FIG. 8 is a usage condition inheriting operation accompanying the electronic value reception of the mobile phone terminal shown in FIG. It is a flowchart which shows a procedure.
  • the electronic value transmitted to the mobile phone terminal 100 via the communication device 61 of the mobile phone terminal 200 is received by the communication device 60 of the mobile phone terminal 100.
  • the electronic value receiving device 42 acquires the electronic knowledge from the communication device 60 (step S301), and stores the acquired electronic knowledge in the IC card 300 (step S302). As shown in FIG.
  • the use condition transmitted to the mobile phone terminal 100 via the communication device 61 of the mobile phone terminal 200 is received by the communication device 60 of the mobile phone terminal 100.
  • the use condition receiving device 32 acquires the use condition from the communication device 60 (step S401), associates the acquired use condition with the electronic value (step S402), and stores it in the storage device 70 (step S403).
  • Terms of use are based on product information (eg, product name, price, place of production, raw materials, etc.) and terminal information (eg, electronic value balance information) This is a criterion for judging permission or prohibition on the use of electronic value, and the consumer (user) of the electronic value can freely determine it. Terms of use are typically linked to the entire electronic value balance. However, when the electronic knowledge is of a ticket type, the use condition may be associated with each ticket.
  • the usage conditions may be described in any description method. There are the following types of usage conditions.
  • Purchase prohibition time zone (determined by time information of mobile phone terminal (obtained from clock 91)) Purchasable time zone (determined by time information of mobile phone terminal (acquired from clock 91)) Purchase prohibited location (position information of mobile phone (Determined by (acquired from GPS90)) Purchasable location (determined by location information of mobile phone terminal (acquired from GPS90)) Purchase prohibited product name (determined by acquiring product information from product information reading device 20) Purchasable product name ( Product information is obtained from the product information reading device 20 and determined) Purchase prohibited service name (determined by obtaining product information) Purchaseable service name (judgment by obtaining product information)
  • Other usage conditions are, for example, that the product can be purchased only when no production activity is performed under bad ethical conditions in the production process of the product, and when the balance falls below a predetermined amount. It can be set arbitrarily, such as prohibition of subsequent purchase. Further, for example, it is possible to set conditions combining a plurality of use conditions, such as prohibiting purchase of a specific product during a specific time zone and permitting purchase of a specific product even if the balance is less than a predetermined balance. Also, when making a determination based on the usage conditions, if information such as the product information or the transfer source of the electronic value is insufficient (or cannot be obtained), the electronic It is preferable to set it.
  • the usage conditions may include a setting as to whether or not the electronic value can be transferred (for example, the transfer is permitted only to a specific mobile phone terminal). Also, setting priorities for individual usage conditions does not help.
  • FIG. 9 is a schematic diagram conceptually showing the data configuration of the usage conditions
  • FIG. 10 is a schematic diagram showing an example of the data configuration of the usage conditions.
  • the usage conditions are tags, VA
  • the tag represents the classification of the information
  • the VALUE represents the value.
  • the usage conditions constitute a scenario for determining whether or not electronic value consumption is possible. According to this scenario, permission or prohibition of electronic value consumption is determined.
  • Product information is all kinds of information on products and services, including producers, raw materials, transportation methods, etc.A huge amount of information will be linked to products and services as consumers become more aware of traceability. It is expected that.
  • Product information can also be obtained from tags attached to the product or from the database.
  • An example of storing product information in a database is an EPC system. This system reads RFID tag power EAN code (or JAN code) attached to products and sends the EAN codes to a database to acquire product information.
  • the product information may be described in any description method. The following types of product information can be considered.
  • An electronic certificate or an electronic signature for assuring the authenticity of the product information is attached to the product information. It is also possible. This would, for example, make it possible to prove in South Africa that a child has been abused and does not use the ingredients made.
  • FIG. 11 is a schematic diagram conceptually showing the data configuration of the product information.
  • Product information data consists of a combination of a tag and a VALUE.
  • Tags represent the classification of the information
  • VALUE represents the value.
  • the product information stored in the RFID tag attached to the product, the RFID tag power, the product information read by the POS terminal at the store and transmitted to the mobile phone terminal, and the product information processed in the mobile phone terminal all have this data structure. Take.
  • the usage conditions and the data structure of the merchandise information described in the above embodiment are not limited to this.
  • the types of product information are expected to be diversified in the future, and it is estimated that the usage conditions and the data structure of the product information will have to be structured and complicated accordingly. In such a case, the data structure is modified according to the situation.
  • the terminal information is information held by the terminal among information referred to in order to determine whether electronic value consumption is possible. There are the following types of terminal information.
  • FIG. 12 is a flowchart showing an operation procedure for determining whether or not the mobile phone terminal shown in FIG. 1 can use electronic value.
  • the availability judging device 10 of the mobile phone terminal 100 reads usage conditions from the storage device 70 via the usage condition reading device 33 (step S501).
  • the usability judging device 10 executes the following loop processing for each of the use conditions (step S502).
  • step S503 information necessary for the determination of availability is read. For example, when product information is required, the product information is read from the RFID tag attached to the product via the RFID tag reader of the communication device 60 or the POS terminal power via the wireless communication device of the communication device 60. .
  • step S5 04 it is determined whether there is corresponding information necessary for the determination.
  • the use availability determination device 10 executes a process of permitting or prohibiting the use of electronic value according to the presence or absence of the information.
  • the usability determination device 10 reads the use condition recorded in the storage device 70 via the use condition reading device 33, and determines whether the information is information that matches the use condition. Is determined (step S505). Further, the availability determination device 10 reads information regarding permission Z prohibition of use of electronic value when Z does not match the use condition in the use conditions (step S506), and determines whether permission or prohibition of use of the electronic value is used. A determination is made (step S507).
  • step S508 When it is determined that the use of the electronic value is permitted, the item of the use condition is moved to the next (step S508), and the process proceeds to step S501, which is the first procedure of the loop processing (step S509).
  • the usability determination apparatus 10 repeats the above loop processing from step S501 to step S509. If the electronic value use is permitted under any of the use conditions, it is determined that the use of the electronic value is permitted in the purchase of the product (step S510).
  • step S504 when there is no corresponding information in step S504, the usability determination device 10 reads information on the permission Z prohibition of electronic value use when there is no corresponding information in the use conditions (step S511). ), And proceeds to the above-mentioned step S507. Further, when it is determined in step S507 that the use of the electronic value is prohibited, the availability determination device 10 determines that the use of the electronic value is permitted in the purchase of the product (step S512).
  • FIG. 13 is a diagram showing an operation sequence of each unit in the availability determination.
  • an electronic value request device such as a POS terminal (cash terminal) at a store also transmits an electronic value request to the communication device 60 of the mobile phone terminal 100. Then, the billing notice is transmitted to the payment device 50, and the payment device 50 inquires of the availability judging device 10 whether or not the electronic value can be used.
  • the availability determining device 10 reads the usage conditions from the usage condition reading device 33 and instructs the product information reading device 20 to read the product information.
  • the product information is obtained from the electronic value request device (cash terminal) via the communication device 60.
  • terminal information such as a position specifying device 90 such as GPS, a clock 91 in a mobile phone terminal, and a storage device 70 is required as reference information based on usage conditions, the information is obtained from each unit.
  • the availability determination device 10 performs the availability determination process, and transmits a result notification to the electronic value requesting device via the payment device 50 and the communication device 60. Thus, the availability determination processing ends. If the determination result indicates that the use of the electronic value is permitted, the payment of the electronic value is performed by a known method.
  • FIGS. 14 and 21 the components of the mobile phone terminal shown in FIGS. 14 and 21 are the same as those of the mobile phone terminal shown in FIG.
  • FIG. 14 is a diagram showing a specific operation example of the mobile phone terminal shown in FIG. 1, and shows a data flow in a case where the usage condition of electronic value is remotely set from another mobile phone terminal.
  • wireless communication is performed between the transfer source and the transfer destination mobile phone terminals.
  • any route such as via the Internet, satellites, or public telephone network, does not matter.
  • the transfer processing device causes the usage condition reading device to read the usage conditions stored in the storage device.
  • the use condition transmitting device transmits the use condition to another mobile phone terminal via the communication device.
  • the usage condition received by the communication device of the another mobile phone terminal by wireless communication is recorded in the storage device via the usage condition receiving device and the usage condition writing device.
  • Fig. 15 is a schematic diagram showing the flow of data in the transfer of electronic value when transfer is restricted. The following shows the data flow in the case of performing.
  • the transfer processing device inquires of the availability determining device whether the electronic value transfer is possible.
  • the usage condition reading device reads the usage conditions stored in the storage device and reads the electronic value.
  • a notice is sent to the availability determining device.
  • the use availability determination device instructs a display device or the like to display a display indicating that use is prohibited.
  • FIG. 16 is a schematic diagram showing a data flow when determining whether electronic value can be used for a specific product.
  • the availability determination device uses the product information reading device. Requesting that the product information be read, the product information reading device also obtains the product information with the RFID tag power of the product via the RFID tag reader of the communication device.
  • the availability determining device subsequently obtains the use condition from the storage device via the use condition reading device.
  • the use determination device compares the usage conditions with the product information and the like to determine whether electronic value can be used.
  • the availability determination device outputs the determination result to a display device or the like.
  • FIG. 17 is a schematic diagram showing a data flow when the use of electronic value is refused for a specific product.
  • the electronic value request device of the cash register device transmits an IRDA request.
  • Electronic value billing information is sent to the device.
  • the electronic value billing information obtained by the IRDA device is transmitted to the communication device and the payment device, and the payment device makes an inquiry to the availability determination device about the availability of the electronic value.
  • the availability determining device obtains the usage conditions from the storage device via the usage condition reading device, and further requests the cash register device for the product information via the product information reading device.
  • the product information reading device obtains the product information of the product's RFID tag via the RF ID tag reader of the cash register and the IRDA device of the mobile phone terminal.
  • the product information reading device transmits the obtained product information to the availability determination device, and the availability determination device determines availability of the electronic value based on the usage conditions and the product information.
  • the acquired product information is "alcohol”.
  • the merchandise information does not match the usage conditions, so that the availability determination device determines that the electronic value cannot be used, and transmits the determination result to the payment device.
  • the payment device determines whether or not payment of the electronic know is possible based on the result of the inquiry. In this case, since the payment of the electronic value is not possible, the payment device does not process the payment of the electronic value, and the display device displays a message indicating that the payment is not possible.
  • FIG. 18 is a schematic diagram illustrating a flow of data when the use of electronic value is permitted for a specific product.
  • the cashier device operates.
  • Electronic value request information is sent from the electronic value request device to the IRDA device.
  • the electronic value billing information obtained by the IRDA device is transmitted to the communication device and the payment device, and the payment device makes an inquiry to the availability determination device about the availability of the electronic value.
  • the availability determining device obtains the usage condition from the storage device via the usage condition reading device, and further requests the cash register device for the product information via the product information reading device.
  • the product information reading device acquires the product information of the product RF ID tag via the RFID tag reader of the cash register device and the IRDA device of the mobile phone terminal.
  • the product information reading device transmits the obtained product information to the use availability determination device, and the use availability determination device determines the availability of the electronic value based on the usage conditions and the product information.
  • the availability determination device determines that the electronic value can be used, and pays the determination result. Transmit to device.
  • the payment device determines whether the electronic value can be paid based on the result of the inquiry. In this case, since the electronic value can be paid, the payment device performs a predetermined electronic value payment process by a known method. Specifically, electronic value is transferred from the mobile phone terminal's IRDA device to the cashier's electronic value receiving device. In response to the consumption result of the electronic value, the display device performs a display to convey the consumption result of the electronic value.
  • FIG. 19 is a schematic diagram showing a data flow when the use of electronic value is refused in a specific time zone.
  • the electronic device of the cash register device is activated.
  • Electronic value request information is transmitted from the value request device to the IRDA device.
  • the electronic value request information obtained by the IRDA device is transmitted to the communication device and the payment device, and the payment device makes an inquiry to the availability determination device about the availability of the electronic value.
  • the availability judging device acquires the use condition from the storage device via the use condition reading device.
  • the availability determining device since the corresponding use condition is only the time information, the availability determining device does not request the cash register device for the product information via the product information reading device. On the other hand, the availability determining device obtains time information from the clock section of the mobile phone terminal in accordance with the usage conditions. The availability determination device determines availability of electronic value based on usage conditions and time information.
  • the availability determination device determines that the electronic value cannot be used. Then, the determination result is transmitted to the payment device. The payment device determines whether the electronic value can be paid based on the result of the inquiry. In this case, since the electronic value cannot be paid, the display device displays a message to that effect.
  • FIG. 20 is a schematic diagram showing a data flow when the use of electronic value is refused for a specific purchase position.
  • the operator of the mobile phone terminal approaches the IRDA device portion of the mobile phone terminal to a cash register device at a store or the like and inputs an instruction to judge whether or not the electronic value can be used from the input device, the operator of the cash register device starts to operate.
  • Electronic value request information is transmitted from the electronic value request device to the IRD A device.
  • the electronic value billing information obtained by the IRDA device is transmitted to the communication device and the payment device, and the payment device makes an inquiry to the availability determination device about the availability of the electronic value.
  • the use availability determination device acquires the use condition from the storage device via the use condition reading device.
  • the use availability determination device since the corresponding use condition is only the purchase position information, the use availability determination device There is no request for merchandise information to the cashier via the merchandise information reading device.
  • the availability judging device obtains location information from a location specifying device such as GPS according to the usage conditions.
  • the availability determination device determines availability of the electronic value based on the usage conditions and the position information.
  • the availability determination device determines that the electronic value cannot be used. Make a decision and transmit the decision result to the payment device.
  • the payment device determines whether or not payment of the electronic know is possible based on the result of the inquiry. In this case, since the payment of the electronic value is not possible, the payment device does not perform the payment process, and the display device displays a message indicating that the electronic value is not payable.
  • FIG. 21 is a schematic diagram showing the flow of data when determining whether electronic value use is possible or not by combining use conditions for a specific product.
  • the operator of the mobile phone terminal approaches the IRDA device portion of the mobile phone terminal to a cash register device at a store or the like and inputs an instruction to determine whether electronic value can be used from the input device, the operator of the cash register device starts to operate.
  • Electronic value request information is transmitted from the electronic value request device to the IRDA device.
  • the electronic value billing information obtained by the IRDA device is transmitted to the communication device and the payment device, and the payment device makes an inquiry to the availability determination device about the availability of the electronic value.
  • the availability determining device obtains the usage conditions from the storage device via the usage condition reading device, and further requests the cash register device for the product information via the product information reading device.
  • the product information reading device acquires the product information of the RFID tag of the product via the RFID tag reader of the cash register device and the IRDA device of the mobile phone terminal.
  • the product information reading device transmits the obtained product information to the availability determination device.
  • the availability determining device further obtains electronic value balance information from the balance obtaining device of the mobile phone terminal in accordance with the usage conditions.
  • the availability determination device determines availability of the electronic value based on the usage conditions and the acquired product information and balance information.
  • the payment device determines whether the electronic value can be paid based on the result of the inquiry. In this case, since the payment of the electronic value is not possible, the payment device performs a display notifying the fact to the display device. Note that it is of course possible to use a combination of three or more usage conditions.
  • FIG. 22 is a schematic diagram showing a functional configuration of a mobile phone terminal when electronic values and usage conditions are stored in different places or in the same place.
  • Fig. 22 (a) shows the case where the storage location of the electronic value and the usage conditions are different
  • Fig. 22 (b) shows the case where the storage location of the electronic value and the usage conditions are the same.
  • the components of the mobile phone terminal shown in FIG. 22 are the same as those of the mobile phone terminal shown in FIG.
  • Fig. 22 (a) when the storage location of the electronic value and the usage conditions are different, only the electronic value is moved to the other terminal, for example, by attaching the IC card to the other terminal.
  • the use condition and the key stored in the storage device 70 are stored in association with each other, and the electronic value is separately stored.
  • the encrypted electronic value is decrypted using a key held in the information terminal, and the electronic value is decrypted and used.
  • the electronic value is decrypted and used.
  • the mobile phone terminal includes the use information acquisition means for acquiring the use information of the electronic value and the determination means for determining whether the use information satisfies the use condition.
  • the cashier terminal for performing payment using the electronic device ⁇ may be provided with use information acquisition means and determination means. Further, in the above-described embodiment, an example has been described in which the payment using the electronic know-how is restricted according to the use condition. However, the reception of electronic value that can be performed only by the payment may be limited.
  • the usage information such as the product information and the terminal information satisfies the usage conditions. It becomes possible to restrict the use of electronic value based on usage conditions.
  • the present invention has an effect that by determining whether or not usage information satisfies a usage condition, it is possible to limit the use of electronic value based on the usage condition by using the determination result. It is useful for information terminals and electronic value usage methods and programs that can use the know.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

L’utilisation d’une monnaie électronique peut être limitée selon les conditions d’utilisation. Un terminal téléphonique portable (100) capable d’utiliser une monnaie électronique, comprenant un accessoire de lecture d’information (20) pour acquérir une information d’utilisation d’une monnaie électronique, une unité d’acquisition de solde (43), une unité de spécification de position (90) et une horloge (91), et une unité (10) pour juger si l’information d’utilisation satisfait les conditions d’utilisation ou non.
PCT/JP2005/004948 2004-05-11 2005-03-18 Terminal d’information, monnaie électronique utilisant la méthode et programme Ceased WO2005109268A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2004140920 2004-05-11
JP2004-140920 2004-05-11

Publications (1)

Publication Number Publication Date
WO2005109268A1 true WO2005109268A1 (fr) 2005-11-17

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PCT/JP2005/004948 Ceased WO2005109268A1 (fr) 2004-05-11 2005-03-18 Terminal d’information, monnaie électronique utilisant la méthode et programme

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WO (1) WO2005109268A1 (fr)

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JP2009140303A (ja) * 2007-12-07 2009-06-25 Toppan Printing Co Ltd 決済システムおよび決済方法並びに決済端末およびｉｃカード
JP2010501961A (ja) * 2006-08-25 2010-01-21 アマゾン テクノロジーズ インコーポレイテッド トランザクションでのフレーズトークンの利用
JP2011507089A (ja) * 2007-12-11 2011-03-03 エックスエス イノベーション ホールディングス リミティド アカウントの不正使用を防ぐためのアカウント・リスク管理及び認証システム
US9298700B1 (en) 2009-07-28 2016-03-29 Amazon Technologies, Inc. Determining similar phrases
US9485286B1 (en) 2010-03-02 2016-11-01 Amazon Technologies, Inc. Sharing media items with pass phrases
US9569770B1 (en) 2009-01-13 2017-02-14 Amazon Technologies, Inc. Generating constructed phrases
US10007712B1 (en) 2009-08-20 2018-06-26 Amazon Technologies, Inc. Enforcing user-specified rules

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JPH11353397A (ja) * 1998-06-05 1999-12-24 Fujitsu Ltd 電子マネー装置、方法、カード並びに電子マネー処理プログラムを記録したコンピュータ読取り可能な記録媒体
JP2003296646A (ja) * 2002-03-29 2003-10-17 Mitsubishi Electric Corp 無線携帯端末、金融機関システム並びに電子マネーチャージシステム及び電子マネーチャージ方法

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JPH11353397A (ja) * 1998-06-05 1999-12-24 Fujitsu Ltd 電子マネー装置、方法、カード並びに電子マネー処理プログラムを記録したコンピュータ読取り可能な記録媒体
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Cited By (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10019708B2 (en) 2006-08-25 2018-07-10 Amazon Technologies, Inc. Utilizing phrase tokens in transactions
JP2010501961A (ja) * 2006-08-25 2010-01-21 アマゾン テクノロジーズ インコーポレイテッド トランザクションでのフレーズトークンの利用
JP2013152728A (ja) * 2006-08-25 2013-08-08 Amazon Technologies Inc トランザクションでのフレーズトークンの利用
US10607223B2 (en) 2006-08-25 2020-03-31 Amazon Technologies, Inc. Utilizing phrase tokens in transactions
US9390416B2 (en) 2006-08-25 2016-07-12 Amazon Technologies, Inc. Utilizing phrase tokens in transactions
US10089623B2 (en) 2006-08-25 2018-10-02 Amazon Technologies, Inc. Utilizing phrase tokens in transactions
JP2009032156A (ja) * 2007-07-30 2009-02-12 Casio Hitachi Mobile Communications Co Ltd 電子装置、および、プログラム
JP2009140303A (ja) * 2007-12-07 2009-06-25 Toppan Printing Co Ltd 決済システムおよび決済方法並びに決済端末およびｉｃカード
JP2011507089A (ja) * 2007-12-11 2011-03-03 エックスエス イノベーション ホールディングス リミティド アカウントの不正使用を防ぐためのアカウント・リスク管理及び認証システム
US9569770B1 (en) 2009-01-13 2017-02-14 Amazon Technologies, Inc. Generating constructed phrases
US9298700B1 (en) 2009-07-28 2016-03-29 Amazon Technologies, Inc. Determining similar phrases
US10007712B1 (en) 2009-08-20 2018-06-26 Amazon Technologies, Inc. Enforcing user-specified rules
US9485286B1 (en) 2010-03-02 2016-11-01 Amazon Technologies, Inc. Sharing media items with pass phrases

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