JP2001291039A - Electronic wallet settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system by which an SIM card (IC card) can be used as an electronic wallet for electronic money. SOLUTION: The SIM card 10 is used for the electronic money as the electronic wallet to make a telephone call from a fixed telephone terminal 20 or a portable telephone terminal 21. In this case, the application for performing the subtraction of the electronic money is downloaded from an e-wallet call system 40 to the SIM card 10. Also, when the application performs the subtraction of the electronic money, a subtraction chart (by various conditions such as communication time, a time zone and a place) is similarly downloaded. A communication charge is adjusted between the owner of the SIM card 10 and a communication undertaker. Concretely, the electronic money and cash (bank transfer or the like) are settled between the charging system 50 of the communication undertaker and an EC account settlement organ 60 through the mediation of the e-wallet call system 40.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement communication system, and more particularly, to a SIM (Subscriber I).
The present invention relates to a system for making a call from a fixed telephone or a mobile telephone by using an electronic wallet function using a density module card.

[0002]

2. Description of the Related Art Heretofore, as telephone services for immediate settlement, there have been only services using cash payment by a public telephone and using a prepaid card from a telephone card or a fixed telephone / mobile telephone.

[0003] A prepaid system using an IC card has also been considered, but only a prepaid frequency dedicated to telephone service is registered in the IC card.

[0004]

SUMMARY OF THE INVENTION Accordingly, the present invention provides
It is an object of the present invention to provide a communication system in which a semiconductor built-in card such as an IM card or an IC card can be used as an electronic wallet for electronic money.

[0005]

According to the present invention, there is provided a semiconductor integrated card, a terminal for reading information from the semiconductor embedded card, and a service based on the information via the terminal. An electronic wallet settlement system including a service business system for providing electronic money and an electronic money settlement mechanism connected to the service business system via a network, wherein the semiconductor embedded card is an electronic wallet for applying electronic money. And a processor for acquiring data and procedures necessary for executing the service from the service business system, wherein the service business system receives a charge from the electronic money settlement mechanism every time the execution of the service is completed. To receive.

Further, according to the electronic wallet settlement method of the present invention, the electronic wallet settlement system is used to send an electronic money appropriation request or the like from a semiconductor embedded card between the service business system and the electronic money settlement mechanism. This is a method of performing services while authenticating.

[0007]

FIG. 1 is a block diagram of an electronic wallet settlement call system according to the present invention. SIM (subscr
ber identity module) card 1
0 owner inserts the card into the fixed telephone terminal 20 or the mobile telephone terminal 21 (contact type SIM card) or holds it up (non-contact type SIM card),
The electronic money is allocated to the IM card 10.

[0008] The person who owns the SIM card 10 can use the e-wallet call system 4 via the exchange system 30.
By connecting to 0, electronic money and cash are settled with the EC (electronic cash) settlement organization 60.

As a result, the SIM card 10 becomes an electronic wallet, and a call can be made from the fixed telephone terminal 20 or the portable telephone terminal 21 using the electronic money therein.

However, in this case, the electronic money subtraction is performed by the application on the SIM card 10, and it is necessary to download the application from the e-wallet call system 40 to the SIM card 10 in advance.

[0011] When the application performs the electronic money subtraction, a subtraction table (call time,
(Depending on time zone, location, etc conditions).

The settlement of the call charge is performed between the owner of the SIM card 10 and the communication carrier. Specifically, e-wa
Using the llet call system 40 as an intermediary, settlement of electronic money and cash (such as bank transfer) is performed between the billing system 50 of the communication carrier and the EC settlement agency 60.

As shown in FIG. 1, the system of the present invention comprises:
For example, SIM card 10 and fixed telephone terminal 20, mobile telephone terminal 21, exchange system 30, e-wa
It includes an llet call system 40 and a billing system 50.

The EC clearing house 60 and e-walletCa
A communication network 200 such as a dedicated line or the Internet is used between the ll (electronic wallet call) system 40. An exchange network 100 is used between the fixed telephone terminal 20, the mobile telephone terminal 21, and the exchange system 30.

The SIM card 10 includes both a contact type and a non-contact type, and is equipped with a CPU, a memory, and an OS, on which applications operate.

When a contact type SIM card is used, the fixed telephone terminal 20 and the mobile telephone terminal 21 have the SIM card 1
0 is inserted and a SIM
The application on the SIM card 10 is operated by inserting the card 10.

When a contactless SIM card is used, S
An equivalent operation is performed by holding the IM card 10 over the fixed telephone terminal 20 or the mobile telephone terminal 21.

The e-wallet (electronic wallet) call system 40 first executes identity authentication, reference to the remaining balance, and withdrawal of electronic money to the EC settlement institution 60 in order to apply electronic money to the SIM card 10, The electronic money is transferred to the card 10.

Next, the application of the e-wallet call 40 and the electronic money subtraction table are downloaded to the SIM card 10 in advance.

At the time of an actual e-wallet call (call), the information of the electronic money frequency subtraction is transmitted in real time to S
Electronic money and cash (such as bank transfer) are settled between the billing system 50 of the communication carrier and the EC clearing house 60 after being received from the application on the IM card 10.

Next, the operation of this embodiment will be described in detail with reference to FIGS. 1, 2A, 2B and 2C. In the following description, the network 100 means a switching network, and the network 200 means a dedicated line or the Internet.

FIG. 2A is a sequence diagram of a process for applying electronic money to an electronic wallet using the SIM card 10.

The SIM card 10 has an application for an electronic wallet function.
By inserting the SIM card (10) into the terminals 0 and 21, the electronic money application service is selected from the menu screens of the telephone terminals 20 and 21.

When the application of the electronic money is selected (step A1), the exchange network 100 and the exchange system 3 are sent from the electronic wallet function application on the SIM card 10.
Via “0”, an “electronic money appropriation request” is transmitted to the e-wallet call system 40.

In response to the request, the e-wallet call system 40 receives the request from the Internet or the dedicated line 2.
The SIM card "inquiry" (existing card & account balance) is executed to the EC settlement mechanism 60 via 00, and if there is no problem (the card actual & account balance remains), the "authentication result" is SI.
It is returned to the electronic wallet function application on the M card 10 (A2).

Next, the user inputs the amount of the electronic money to be allocated on the screen of the telephone terminals 20 and 21 (step A3).

The “appropriation amount request” is sent from the electronic wallet function application on the SIM card 10 via the exchange network 100 and the exchange system 30 to the e-wallet.
It is transmitted to the t-call system 40 and thereafter transmitted to the EC settlement mechanism 60 via the Internet or the dedicated line 200.

[0028] The EC settlement mechanism 60 provides "electronic money remittance".
Is carried out to the e-wallet call system 40 via the Internet or the dedicated line 200, and thereafter, the electronic money is similarly transferred from the telephone terminals 20 and 21 to the SIM card 10 via the switching system 30 and the switching network 100. Is applied (step A4).

FIG. 2B shows an e-wafer to the SIM card 10.
It is a sequence diagram of the download of the llet call service application.

The user inserts the SIM card 10 into the telephone terminals 20, 21 to display “e-wallet call service” from the menu screen of the telephone terminals 20, 21.
"Download application" is selected (step B1). When this is selected, the application download function on the SIM card 10 is sent from the application via the exchange network 100 and the exchange system 30 to the e-wallet call system 40 via the e-wallet call system 40.
llet call service application download request "is transmitted.

In response to the request, the e-wallet call system 40 inquires of the EC settlement mechanism 60 whether the SIM card requested to download exists (step B2). If a SIM card is present, "transmission of e-wallet call service application" (step B3) and "transmission of electronic money subtraction table (billing table)" (step B4) are performed, and the switching system 30, the switching network 100 to the SIM card 10 from the telephone terminals 20 and 21 via the “e-wall”.
The download of the “et call service application” is completed (step B5).

FIG. 2C shows an e-mail using the SIM card 10.
It is a sequence diagram of a wallet call service.

[0033] The user inserts the SIM card 10 into the telephone terminals 20, 21 to display “e-wallet call service” from the menu screen of the telephone terminals 20, 21.
Is selected (step C1). Select this and SIM
From the e-wallet call service application on the card 10 via the exchange network 100 and the exchange system 30, the e-wallet call system 40
To "e-wallet call service request".

In response to the request, the e-wallet call system 40 executes an inquiry to the EC settlement mechanism 60 as to whether a SIM card actually exists (step C).
2).

If a SIM card actually exists, "e-
SIM card 1 "Wallet call service permission"
Return to application on 0.

Next, the user inputs the "telephone number of the communication destination" on the screens of the telephone terminals 20 and 21 (step C3).
The telephone number is sent to the e-wallet call system 40
, From which the telephone number is passed to the switching system 30.

The switching system 30 uses the “e-wallet”
Since the service type of "call" and the "notification destination number" and "calling number" are known, a service for normal incoming call accounting is started from here. The destination billing party here is e-wallet
It becomes the call system 40.

When the call is started, the SIM card 1
The “e-wallet call service application” on 0 subtracts a certain amount of electronic money on the SIM card 10 based on the “electronic money subtraction table (charging table)” (step C4).

The subtracted information is transmitted to the e-wallet call system 40. During the subsequent call (step C5), the e-wallet call service application on the SIM card 10 sends the electronic money use information (e-wallet call information) to the e-wallet call system 40 at regular intervals (according to the electronic money subtraction table). (Subtraction information) "is notified (step C6).

At the end of the call, the switching system 30
A “disconnect notification” is transmitted to the −wallet call system 40 (step C7), and triggered by this, ew
The usage fee of the electronic money is totaled by the allet call system 40, and the result is charged to the EC settlement mechanism 60 (step C8).

The EC settlement mechanism 60 transfers the call charge to the charging system 50 (Step C9).

In the embodiment of the present invention described above, the e-wallet call system 40 and the billing system 50 are installed in a communication carrier. However, the present invention is not limited to this, and they may be installed in an ASP (Application Service Provider) or the like.

FIG. 3 is a block diagram of a system of the present invention in which an ASP is provided with a billing system. The billing system 50 in the telecommunications carrier is used for the purpose of simply charging the ASP for the call charge.

The embodiment of the present invention has been described with reference to the e-wallet.
Although the description has been made with specific reference to the call system (electronic wallet call system) 40, the e-wallet call system (electronic wallet call system) 40 is replaced with each other in restaurants, convenience stores, vending machines, trains / buses, and the like. An application according to use can be downloaded to the SIM card.

[0045]

According to the present invention described above, the SIM
(Subscriber Identity Modu
le) The telephone service can be used as it is by using a semiconductor built-in card such as a card as an electronic wallet.

The electronic wallet here can be used not only for call service but also for restaurants, convenience stores, vending machines, trains / buses, and the like. That is, one of the services provided by the electronic wallet is an e-wal
Let call service (electronic wallet call service). This is fundamentally different from a prepaid call service using an IC card, and has an advantage that a contract with a communication carrier is not necessarily required if a SIM card approved by an EC clearing house is provided.

Therefore, as long as the user has only the SIM card, the telephone service can be received from any SIM card-compatible fixed telephone terminal, mobile telephone terminal and public telephone terminal without a contract with the communication carrier of the terminal to be used. .

Also, the SIM card itself has an e-wallet
By installing a call (e-wallet call) application, it becomes possible for the telephone terminal to trigger charging, so that the telephone service is ultimately established without the involvement of the telecommunications carrier. In particular, the call charge can be set outside the communication carrier.

[0049]

Further, by providing these services by a telecommunications carrier, it is possible to simplify contracts and to release the work of personal authentication at the time of contract.

[Brief description of the drawings]

FIG. 1 shows a SIM (subscriber id) of the present invention.
Electronic payment system using an entity module) card

FIG. 2A is a sequence diagram of allocating electronic money to a SIM card.

FIG. 2B is a sequence diagram of downloading an application to a SIM.

FIG. 2C is a sequence diagram of a call service using a SIM.

FIG. 3 is a block diagram of another embodiment of the present invention.

[Explanation of symbols]

10 SIM (subscriber identity)
y module) card 20 fixed telephone 21 mobile telephone 30 exchange system 40 electronic wallet communication system 50 billing system 60 EC (electronic cash) settlement system 70 billing system 100 exchange network 200 Internet or dedicated line

Claims (7)

[Claims] 1. A semiconductor embedded card, a terminal for reading information from the semiconductor embedded card, a service business system for providing a service based on the information via the terminal, and a service business system and a network An electronic wallet settlement system that includes an electronic money settlement mechanism connected with the electronic wallet settlement system, wherein the semiconductor embedded card is an electronic wallet that applies electronic money, and includes data and a procedure necessary for executing the service. An electronic processing device obtained from the service business system, wherein the service business system receives consideration from the electronic money settlement mechanism every time execution of the service is completed. 2. The electronic wallet settlement system according to claim 1, wherein said arithmetic processing unit stores a procedure for applying said electronic money via said terminal and said service business system. 3. The service processing system according to claim 1, wherein the arithmetic processing device keeps sending the processing result of the procedure to the service business system while the service is being executed.
Electronic wallet settlement system as described. 4. The service is a call service, the data is a billing table, the procedure is a procedure of subtracting the consideration from electronic money applied to the electronic wallet, and a call is made via the terminal. The electronic wallet settlement system according to claim 1, wherein the system executes a service. 5. A semiconductor embedded card, a terminal for reading information from the semiconductor embedded card, a service business system for providing a service based on the information via the terminal, and a service business system and a network An electronic wallet settlement method using an electronic wallet settlement system including an electronic money settlement mechanism connected with the electronic money settlement mechanism, from the semiconductor embedded card, through the terminal and the service business system, to the electronic money settlement mechanism,
Sending an electronic money allocation request; transmitting an authentication result of the electronic money allocation request from the electronic money settlement mechanism to the service business system based on the electronic money allocation request; and Sending, from the service business system, via the terminal to the semiconductor-embedded card, and applying the electronic money to the semiconductor-embedded card based on the allocation permission. Wallet settlement system. 6. A step of sending a distribution request for data and a procedure necessary for executing the service from the semiconductor embedded card to the service business system via the terminal, based on the distribution request, Requesting the electronic money settlement mechanism to authenticate the distribution request from the service business system; and, based on an authentication result of the distribution request, the semiconductor embedded card from the service business system via the terminal. 6. The electronic wallet settlement method according to claim 5, further comprising the steps of: distributing the data and the procedure; and storing the data and the procedure in the arithmetic processing unit of the semiconductor embedded card. 7. A step of sending an execution request for the service from the semiconductor embedded card to the service business system via the terminal, and the electronic money settlement from the service business system based on the execution request. Requesting the mechanism to authenticate the execution request; and transmitting an execution permission from the service business system to the semiconductor embedded card via the terminal based on the authentication result of the execution request. On the basis of the execution request, the semiconductor embedded card executes the service using the arithmetic processing device via the terminal, and executing the service, ending the execution of the service via the terminal. Notifying a service business system, and based on the notification, the service business system includes And receiving the consideration from the following. During the execution of the service and at the time of the notification, the arithmetic processing device of the semiconductor embedded card continues to transmit the processing based on the procedure to the service business system. The electronic wallet settlement system according to claim 6, wherein