JP2001297198A - Monetary processing system incorporated in portable telephone - Google Patents

Abstract

PROBLEM TO BE SOLVED: To speedily and easily perform cash withdrawal and various money reception/payment processings from an ATM through the use of a portable telephone set by incorporating various financial contents in the portable telephone set. SOLUTION: In a financial processing system incorporated in the portable telephone set, the portable telephone set incorporates an IC chip and a data transfer means transferring data from the IC chip to the ATM without contact is installed. A password and financial processing information in the ATM are inputted to the portable telephone set and are written into the IC chip. They are transferred to the ATM from the IC chip through the data transfer means. The ATM performs the financial processing based on transferred input information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an application system incorporated in a portable telephone, and more particularly to an application system having a financial processing function and a function related to financial processing.

[0002]

2. Description of the Related Art In recent years, the functions of mobile phones have been remarkably developing, and various functions have been provided, such as browsing Internet web pages and sending and receiving electronic mails. This includes a so-called telephone banking function for depositing and withdrawing an individual's bank account. In telephone banking, desired processing is performed by a user inputting a password or the like with a push button of a telephone, and then performing an input operation of a type of deposit / withdrawal processing (transfer, transfer, etc.) and an amount. In the input operation, an appropriate item is selected by a push button in accordance with automatic voice guidance or an instruction displayed on a display screen of a mobile phone.

[0003]

As described above, various applications for providing a financial processing function in a mobile phone, so-called financial contents, have been provided. However, products are still available by withdrawing cash from an account and withdrawing money from an account. There is no application for executing a comprehensive personal banking process such as a household account book function by settlement of payment and arrangement / saving of deposit / withdrawal data of the account.

On the other hand, withdrawal of cash from an account
Although it is often performed using a TM, it is necessary to insert necessary information such as a personal identification number and a withdrawal amount into an ATM input device after inserting a cash card into the ATM. At present, a contact-type cash card is generally used, and it takes a predetermined time for card insertion and subsequent input operation. Therefore, when ATM is congested, the congestion is further increased.

[0005] In view of the above situation, the present invention incorporates financial content having comprehensive functions including personal banking processing as an application of a mobile phone, thereby enabling rapid cash transfer from an ATM using a mobile phone. An object of the present invention is to facilitate withdrawal, execution of various deposit / withdrawal processes, settlement of a commodity price, delivery of a commodity, and management of deposit / withdrawal data.

[0006]

In order to achieve the above object, the present invention provides the following constitution.

(1) In a financial processing system incorporated in a mobile phone having input means and display means for executing financial processing in an ATM, the mobile phone is an IC.
A chip is built in and the ATM chip is
Providing a data transfer means for non-contact data transfer to the mobile phone, using the input means to input a password relating to a bank account and information relating to financial processing in the ATM to the mobile phone; Is written into the IC chip, and the I
The input information is transferred from the C chip to the ATM, and the ATM performs the financial processing on the bank account based on the transferred input information.

(2) In the above configuration (1), the financial process is selected from a group including balance inquiry, withdrawal, deposit / withdrawal account inquiry, transfer and transfer.

(3) In a financial processing system incorporated in a mobile phone provided with input means and display means for confirming the deposit / withdrawal status of a bank account, information relating to the status of deposit / withdrawal of the bank account is stored by the mobile phone. The obtained database is accessed by a telephone line to acquire data, and the acquired data is displayed on the display means.

(4) In the configuration of (3), the information relating to the deposit / withdrawal status of the bank account is information relating to the withdrawal from the bank account, and includes a withdrawal date, details of the withdrawal, and a withdrawal amount.

(5) In a financial processing system incorporated in a mobile phone having an input means and a display means for inputting the income and expenditure status of the household, information relating to the income and expenditure status of the household is input by the input means. The input data is stored by accessing, via a telephone line, a database storing information relating to the income and expenditure status of the household.

(6) In a system incorporated in a portable telephone equipped with display means for acquiring information on the current location and the nearest ATM installation location, the portable base station accesses the portable base station via a telephone line, and the portable base station implements GPS. Thus, information on the current location and the nearest ATM installation location is obtained, the obtained information is returned to the mobile phone, and the returned information is displayed on the display means.

(7) In the configuration of (6), the display by the display means includes a map.

(8) A mobile phone incorporating the system according to any one of (1) to (7).

[0015]

Embodiments of the present invention will be described below with reference to the drawings. The mobile phone according to the present invention (referred to as "mobile" in the figure) has a built-in IC chip similar to that built in an IC card, and has means for inputting and outputting data to and from the IC chip in a non-contact manner. I do. IC chips are known to have higher security than magnetic recording media and to be able to store a large amount of information. further,
The mobile phone includes a push button or similar input means for inputting data and a display for displaying data.

On the other hand, an automatic transaction apparatus, that is, an ATM, usually includes a data input means such as a touch panel or a push button and a display means. Means for writing and reading data are also provided.

[0017] It is assumed that the owner of such a mobile phone has an account at a bank having an ATM or a bank affiliated with the bank. In connection with the account, a password is set that is recognized only by the account holder. Usually, the account holder owns a cash card and can apply for cash by applying the cash card to an ATM.

FIG. 1 is a schematic flow chart showing an operation flow when using a cash withdrawal function, which is one of the financial processing systems in a mobile phone according to the present invention. In step 101, an account holder inputs a personal identification number using an input unit of a mobile phone. Since the personal identification number is a highly confidential matter, the personal identification number is not specified on the screen when inputting, but only the number of input characters is displayed by a symbol such as “*”. After inputting the password, the account holder inputs the withdrawal amount.

After the input, in step 102, by pressing a predetermined button provided on the mobile phone or by another appropriate operation, the input information is written into an IC chip built in the mobile phone.

Steps 101 and 102 are preferably performed in advance before going to the ATM installation location. One of the advantages of the present invention is that at any location other than the ATM location,
A necessary operation for cash withdrawal can be performed in advance.

In step 103, the account holder
The information in the IC chip is transferred by going to the TM and causing the ATM reading means to read the information in the IC chip of the mobile phone. This is done without contact. An inquiry from the ATM to the host computer is executed online, and if the identity can be confirmed by the personal identification number, cash of the amount specified by the input information is withdrawn from the ATM.

FIG. 2 is a diagram showing a display example on the display of the mobile phone in the cash withdrawal operation on the mobile phone. First, on the initial screen, a list of financial contents to be incorporated in the mobile phone is shown. For example, balance inquiry, withdrawal, deposit / withdrawal account inquiry, transfer, transfer, and money calendar. The money calendar will be described later. Here, it is assumed that “2. Then, on the next screen, the input of the password and the withdrawal amount is prompted.

FIG. 3 is a diagram showing a display example when "4. Transfer" is selected on the initial screen of FIG. On the next screen, enter a personal identification number, a transfer amount, and a transfer destination for identification. Furthermore, in the transfer operation,
A message to the transfer partner can be attached. If you want to attach a message, enter the message content and the recipient's email address. When these inputs are completed, the input information is written to the IC chip. afterwards,
As soon as the ATM reads the input information at the ATM, the transfer is executed. If there is a message, the message is sent to the other party. This transfer function enables shopping. For example, a transfer is made to the account of the store that sells the product, and the desired product content is transmitted to the store by a message, whereby the payment of the product price is completed and the product is delivered at a later date.

FIG. 4 is a view showing a display example when "6. money calendar" is selected on the initial screen of FIG. In the “money calendar”, input / output of information relating to income and expenditure of households is performed, and the status of bank account deposits and withdrawals is confirmed. In FIG. 4, as items of the money calendar,
It includes withdrawal date information and household account entry. When "1. Debit date information" is selected, by accessing a database managed by the bank's host computer through a telephone line, information on items to be debited in the near future is acquired and displayed. Information includes the date of debit,
The content and amount are shown. This allows the account holder to take care to ensure the necessary account balance.

When "2. Enter household account book" of the money calendar is selected, the contents to be recorded in the household account book, that is, the income and expenditure status of the household can be input. FIG.
Is a diagram showing a display example when household account book input is selected. The input can be easily performed by following the instructions displayed on the screen. First, when the user enters the usage amount and then inputs the usage by selecting from a plurality of items, a confirmation screen is displayed. On the confirmation screen, the input contents are shown collectively, and if there is no mistake, by selecting "2. Additional input", the database managed by the bank host computer is accessed through the telephone line, and the input data is sent. The input data is stored in. When correcting the input, the household account information is edited by selecting "edit on PDA". When the shopping contents are input to the household account book, the POS of the store and the mobile phone may communicate with each other, and the input data may be automatically transferred from the POS of the store.

The portable telephone according to the present invention is preferably a JAVA.
Equipped with A-language, input operation and memo / edit operation can be performed efficiently.

The mobile phone of the present invention incorporating a financial processing system composed of various financial contents has recently been installed in convenience stores such as ATMs and 24
It is particularly useful when used in an hourly ATM. This is because the banking process can be easily performed at any time without limitation on the place and time.

Therefore, by adding the ATM installation location information providing function shown in FIG. 6, the portable telephone according to the present invention can be used more effectively. FIG.
4 shows a display example of a mobile phone having a function of providing TM installation location information. On the display, a map around the current location is displayed, and the nearest 24-hour bank ATM and an ATM installation convenience store are displayed. As a specific implementation method, GPS (wide area location information function)
Perform the service. The mobile phone is equipped with the JAVA language. First, a user accesses the host of the base station using the mobile phone. The host of the base station obtains the current location information of the mobile phone by executing the GPS, and returns the information of the nearest cash point, that is, the ATM installation location, to the mobile phone in the form of map and text data. The user looks at the map displayed on the display and finds the nearest ATM
You can know.

[0029]

According to the present invention, the portable telephone itself is an IC.
With the chip mounted, information written in the IC chip can be read by an ATM in a non-contact manner. Therefore, ATM operation can be performed using a mobile phone instead of a cash card. Since necessary input information can be written in advance in the IC chip of the mobile phone, processing such as cash withdrawal and transfer can be easily and promptly performed at the ATM installation location. Therefore, it greatly contributes to alleviation of ATM congestion.

The transfer function has a message attachment function, which can settle payment for online shopping and, at the same time, can transmit information on delivery of goods by a message.

Further, since information relating to bank account deposits and withdrawals and household income and expenditure can be input and output using a mobile phone, it is possible to easily check and edit the daily use of money anytime and anywhere. It is possible to do. Keeping a household account book on a continuous basis is troublesome and often does not last long. However, with the system of the present invention, it is possible to spend money without waste while checking the date of debit of a credit card or the like.

Furthermore, since the location information of the 24-hour ATM and the convenience store where the ATM is installed can be obtained through the mobile phone, it is possible to easily guide the user to a place where the financial contents embedded in the mobile phone can be used. It is possible to realize a highly convenient system.

[Brief description of the drawings]

FIG. 1 is a schematic flowchart showing an operation flow when using a cash withdrawal function, which is one of financial processing systems in a mobile phone according to the present invention.

FIG. 2 is a diagram illustrating a display example on a display of a mobile phone in a cash withdrawal operation on the mobile phone.

FIG. 3 is a diagram showing a display example when “4. Transfer” is selected on the initial screen of FIG. 2;

FIG. 4 is a diagram showing a display example when “6. money calendar” is selected on the initial screen of FIG. 2;

FIG. 5 is a diagram showing a display example when “2. Household account book input” is selected on the next screen of FIG. 4;

FIG. 6 is a diagram illustrating a display example of a mobile phone having a function of providing ATM installation location information.

[Explanation of symbols]

 10 Mobile phone 12 Display

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07D 9/00 451 G07D 9/00 451C 9A001 G07F 19/00 H04M 1/00 R H04M 1/00 1/725 1/725 11/00 303 11/00 303 G07D 9/00 476 (72) Inventor Kiharu Nakamura 1-1-1, Otemachi, Chiyoda-ku, Tokyo Inside Sanwa Bank, Ltd. (72) Inventor Taizo Yamamoto Tokyo 1-1-1, Otemachi, Chiyoda-ku, Tokyo Inside Sanwa Bank, Ltd. (72) Inventor Naoki Morita 1-1-1, Otemachi, Chiyoda-ku, Tokyo F-term in Sanwa Bank, Ltd. (reference) 3E040 BA07 BA18 CA14 EA01 EA02 FH05 5B049 AA02 BB46 CC36 GG06 5B055 BB03 CB01 CB08 CB09 PA05 PA11 5K027 AA11 FF01 FF22 5K101 KK11 KK15 LL12 NN01 NN18 9A001 JJ64 KK56 KK58

Claims (8)

[Claims] 1. A financial processing system incorporated in a mobile phone having input means and display means for executing financial processing in an ATM, wherein the mobile phone has an IC chip built-in and a non-integrated communication from the IC chip to the ATM. A data transfer unit for transferring data by contact is provided. After inputting a password related to a bank account and information related to financial processing in the ATM using the input unit to the mobile phone, the input information is transmitted to the mobile phone. Writing to an IC chip, transferring the input information from the IC chip of the mobile phone to the ATM via the data transfer means, and the ATM performs the financial processing on the bank account based on the transferred input information. And a financial processing system incorporated in the mobile phone. 2. The financial process incorporated in a mobile phone according to claim 1, wherein the financial process is selected from a group including balance inquiry, withdrawal, deposit / withdrawal account inquiry, transfer and transfer. system. 3. A financial processing system incorporated in a mobile phone having input means and display means for confirming the deposit / withdrawal status of a bank account, wherein information relating to the deposit / withdrawal status of the bank account is stored by the mobile phone. A financial processing system incorporated in a mobile phone, wherein the database is accessed by a telephone line to acquire data, and the acquired data is displayed on the display unit. 4. The method according to claim 3, wherein the information relating to the deposit / withdrawal status of the bank account is information relating to withdrawal from the bank account, and includes a withdrawal date, withdrawal content, and a withdrawal amount. Financial processing system built into mobile phones. 5. A financial processing system incorporated in a mobile phone comprising an input unit and a display unit for inputting a household income and expenditure state, wherein information relating to the household income and expenditure state is input by the input unit. A financial processing system incorporated in a mobile phone, wherein the input data is stored by accessing, via a telephone line, a database storing information on the status of income and expenditure. 6. A system incorporated in a mobile phone having display means for acquiring information on a current location and a nearest ATM installation location, wherein the mobile base station accesses a mobile base station via a telephone line, and the mobile base station implements GPS. Acquiring information on the current location and the nearest ATM installation location, returning the acquired information to the mobile phone, and displaying the returned information on the display means. system. 7. The system incorporated in a mobile phone according to claim 6, wherein the display by the display means includes a map. 8. A mobile phone incorporating the system according to claim 1. Description: