JP2006163960A - Mobile communication terminal with settlement function, billing settlement system, and authentication method in billing settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a mobile communication terminal with a settlement function, a billing settlement system, and an authentication method in billing settlement, in which security at the time of authenticating a terminal operator is improved without deteriorating operability when transmitting a settlement request. To do.
SOLUTION: A non-volatile physical information storage unit 26 for storing physical information obtained from a terminal user, a physical information reading control unit 15 for reading physical information from a terminal operator, and physical information read by a terminal operator. Is compared with the physical information stored in the physical information storage unit 26, and the payment processing unit 16 that determines whether or not both match, and the payment request from the settlement management device 3 are received, and the received payment request Based on the short-range wireless communication circuit 23 that transmits a settlement request to the settlement management device 3 based on the physical information discrimination result, the settlement request transmission is permitted, and the settlement request transmission permission state is released at a predetermined timing. The transmission control unit 17 is configured.
[Selection] Figure 2

Description

  The present invention relates to a mobile communication terminal with a settlement function, a billing settlement system, and an authentication method in billing settlement, and more particularly, a mobile phone that generates a settlement request based on a payment request from a settlement management device that manages billing settlement, and the like It is related with improvement of the portable communication terminal with a settlement function.

2. Description of the Related Art In recent years, mobile phones that can perform payment settlement regarding payment (billing) that occurs when providing services or purchasing products have been proposed (for example, Patent Document 1). In the mobile phone described in Patent Document 1, a payment request is generated based on a payment request from a billing source, and is transmitted to a payment management apparatus that manages the payment. The payment management apparatus identifies a user based on a payment request from the mobile phone and performs a payment settlement. In such a mobile phone with a payment function, payment settlement is completed simply by holding the terminal over a transmitter / receiver that transmits and receives communication data such as payment requests and payment requests, so-called reader / writer. It can be used as a substitute for and is extremely convenient.
JP 2001-243382 A

  In the conventional mobile phone described above, the terminal operator needs to input an identification code such as a personal identification number when transmitting a payment request in order to prevent others from impersonating the user. For this reason, there was a problem that operability was not good.

  The present invention has been made in view of the above circumstances, and it is an object of the present invention to provide a mobile communication terminal with a settlement function, a billing settlement system, and an authentication method in billing settlement with improved operability when transmitting a settlement request. It is said. In particular, it is an object of the present invention to provide a mobile communication terminal with improved security when authenticating a terminal operator.

  A mobile communication terminal with a settlement function according to the present invention includes a non-volatile physical information storage unit that stores physical information, a physical information reading unit that reads physical information from a terminal operator, and physical information read by a terminal operator. Compared with the physical information stored in the physical information storage means, the matching means for determining whether or not they match, the payment request from the payment management device is received, and the payment management device based on the received payment request A payment communication means for transmitting a payment request to the user, and a transmission control means for permitting the transmission of the payment request based on the physical information discrimination result.

  With such a configuration, the physical information is stored in the non-volatile physical information storage means and compared with the physical information read by the terminal operator. And when transmitting a payment request | requirement with respect to a payment management apparatus, transmission of a payment request is permitted based on the discrimination | determination result of physical information. Accordingly, since the terminal operator is authenticated only by reading the physical information without inputting an identification code such as a personal identification number, the operability at the time of transmitting a settlement request can be improved. Specific examples of physical information include fingerprint data read from a finger, body images obtained by photographing a palm and face, retinal data read from eyes, and voice data obtained by collecting sound emitted from a vocal cord. Can be considered.

  In the mobile communication terminal with a payment function according to the present invention, in addition to the above configuration, the physical information storage unit stores fingerprint data as physical information, and the physical information reading unit receives the fingerprint data from the finger of the terminal operator. And the fingerprint data reading is repeated at a predetermined cycle, and the transmission control means is configured to cancel the payment request transmission permission state when the fingerprint data verification fails. According to such a configuration, if the verification of the fingerprint data read from the terminal operator's finger fails, the payment request transmission permission state is automatically released, so the security for authenticating the terminal operator Can be improved.

  In the mobile communication terminal with a settlement function according to the present invention, in addition to the above configuration, the physical information storage means stores fingerprint data as physical information, and the physical information reading means receives fingerprint data from the finger of the terminal operator. It reads as physical information, and when the transmission control means succeeds in collation of fingerprint data and a predetermined time elapses, the transmission request transmission permission state is canceled. According to such a configuration, the transmission permission state of the payment request is automatically canceled after a predetermined time has elapsed after successfully collating the fingerprint data read from the terminal operator's finger. It is possible to improve security when authenticating the password.

  In addition to the above configuration, the mobile communication terminal with a settlement function according to the present invention further includes carrier wave monitoring means for monitoring the reception status of a carrier that carries a payment request wirelessly, and the transmission control means is based on the reception status of the carrier wave. And configured to cancel the transmission request transmission permission state. According to such a configuration, after shifting to a transmission permission state where transmission of a settlement request is permitted due to a successful collation of fingerprint data read from the terminal operator's finger, the transmission permission state is automatically set according to the reception state of the carrier wave. Since it is canceled, the security at the time of authenticating the terminal operator can be improved.

  In addition to the above configuration, the mobile communication terminal with a payment function according to the present invention includes a payment unit that is detachably attached to the terminal housing. It comprises nonvolatile user information storage means for storing identification data used for identification as user information, the physical information storage means and the payment communication means, and the transmission control means transmits a payment request including the user information. Configured as follows. According to such a configuration, the user information storage means for storing the user information included in the payment request and the payment communication means are provided in the removable payment unit, so that even if the terminal is replaced, the original terminal housing is replaced with a new one. By simply installing the payment unit of the terminal, billing payment can be performed correctly, which is very convenient. At this time, since the payment information unit is provided with physical information storage means for storing physical information, the terminal operator can be properly authenticated, and security can be improved.

  A billing settlement system according to the present invention includes a settlement management device that generates a payment request and manages the billing settlement, and a portable communication terminal that generates a settlement request based on the payment request, and the portable communication terminal stores physical information. Non-volatile physical information storage means for storing, physical information reading means for reading physical information from the terminal operator, and comparing physical information read from the terminal operator with physical information stored in the physical information storage means. A matching means for determining whether or not they match, a payment communication means for receiving a payment request from the payment management apparatus and transmitting a payment request to the payment management apparatus based on the received payment request; It is comprised from the transmission control means which permits transmission of the said payment request based on the discrimination | determination result of information.

  An authentication method in billing settlement according to the present invention includes a physical information storing step for storing physical information in a nonvolatile memory, a physical information reading step for reading physical information from a terminal operator, and the physical information read by the terminal operator. Compared with the physical information stored in the non-volatile memory, the collation step for determining whether or not both match, and the payment request from the payment management device is received, and the payment management device is based on the received payment request. It consists of a settlement communication step for transmitting a settlement request to the terminal and a transmission control step for permitting transmission of the settlement request based on the physical information discrimination result.

  According to the mobile communication terminal with a settlement function, the billing settlement system, and the billing settlement authentication method according to the present invention, when the settlement request is transmitted to the settlement management device, the transmission of the settlement request is permitted based on the determination result of the physical information. Therefore, the operability when sending the settlement request can be improved. Particularly, since the payment request transmission permission state is automatically canceled at a predetermined timing, it is possible to improve the security when authenticating the terminal operator.

Embodiment 1 FIG.
FIG. 1 is a diagram showing an example of a schematic configuration of a billing settlement system according to Embodiment 1 of the present invention. A settlement management device 3 that manages billing settlement and settlement based on a payment request from the settlement management device 3 A mobile phone 2 with a payment function for generating a request is shown. The billing settlement system 1 according to the present embodiment includes a settlement management device 3 including a reader / writer 3a and an information processing device 3b and a mobile phone 2, and wireless short-range communication is performed between the reader / writer 3a and the mobile phone 2. Is called.

  The information processing device 3b is an information processing terminal such as a personal computer having a database, and performs an operation of generating a payment request based on key input by an operator or a control program. The database stores charging information determined according to the service or product to be provided, and identification information for identifying the terminal and the charging source. The payment request includes such billing information and identification information, and is transmitted by the reader / writer 3a.

  The reader / writer 3a is a transmitter / receiver of communication data, and performs a process of transmitting a payment request to the mobile phone 2 and receiving a settlement request from the mobile phone 2. Communication data wirelessly transmitted between the reader / writer 3a and the mobile phone 2 is encrypted and carried by a carrier wave.

  Here, short-distance wireless communication (hereinafter referred to as mobile wireless communication) with a small signal strength compared to wireless communication (hereinafter referred to as mobile wireless communication) performed between the base station and the mobile phone 2 at the time of voice communication or e-mail transmission / reception Hereinafter, it is assumed that a payment request or a settlement request is transmitted by short-range wireless communication).

  Specifically, an electromagnetic induction method using electromagnetic induction is used as a short-range wireless communication method for transmitting payment requests and payment requests. In this electromagnetic induction type wireless communication, the mobile phone 2 is brought close to the induction electromagnetic field generated when an AC voltage is applied to the coil antenna 3a1 of the reader / writer 3a. And power is supplied. The communication distance is about several cm to 1 m.

  Further, as the shape of the reader / writer 3a, a stationary type is used. In the stationary reader / writer 3a, an antenna unit for transmitting and receiving communication data is installed on a work table or the like, and communication data can be read and written by bringing the mobile phone 2 close to the antenna unit. Instead of such a stationary reader / writer 3a, a portable handy type, a gate type that reads and writes communication data by passing through a predetermined area, and a tunnel type are available. It may be used as the reader / writer 3a.

  The mobile phone 2 is a small portable communication terminal, and is provided with a display screen 2a, an operation panel 2b, and a touch panel 2c. The touch panel 2c includes a detection surface of a fingerprint sensor that reads fingerprint data from a finger, and is provided at a position where the terminal operator can easily operate with one hand. For example, the touch panel 2c is one main surface in a thin terminal housing, and is provided at the end of the surface on which both the display screen 2a and the operation panel 2b are arranged, and the display screen 2a with respect to the operation panel 2b. It is arranged on the opposite side. That is, the touch panel 2c is disposed at a position where the terminal operator can easily touch the finger of the other hand in a state where the terminal operator holds the mobile phone 2 with one hand.

  In such a mobile phone 2, an operation of receiving a payment request from the reader / writer 3a and transmitting a payment request to the reader / writer 3a based on the received payment request is performed.

  The settlement request is made up of terminal user identification data and billing settlement data related to the terminal user billing settlement, and is transmitted from the antenna in the mobile phone 2. The identification data is user identification information used by the information processing device 3b to identify the terminal operator in billing settlement, and is stored in the memory in the mobile phone 2 by a communication carrier to which the terminal user subscribes or a manager who manages billing settlement. Written on. The identification data may be subscriber identification information used for identifying a subscriber by a telecommunications carrier, or identification information for billing settlement used by a manager in billing settlement. In the information processing device 3b, the terminal user is identified based on the settlement request from the mobile phone 2, and billing settlement is performed. Here, a legitimate owner (owner or user) of the mobile phone 2 is called a terminal user, and is distinguished from a terminal operator who is operating the mobile phone 2.

  When transmitting a payment request, an authentication operation of the terminal operator is performed, and transmission of the payment request is permitted based on the authentication result. That is, fingerprint data stored as physical information and fingerprint data read from the terminal operator's finger are collated, and transmission of a settlement request is permitted based on the collation result.

  Specifically, when the terminal operator's finger touches the touch panel 2c, the fingerprint sensor is activated, and the fingerprint data is read from the finger by the fingerprint sensor. This fingerprint data is compared with the previously stored fingerprint data of the terminal user to determine whether or not they match. As a result of the fingerprint data discrimination, if the two match, it is considered that the fingerprint data has been successfully collated, and the permission mode is set to permit transmission of the settlement request. At this time, if the payment request has already been received, the settlement request is immediately transmitted. When a payment request is received during the permission mode, a settlement request is transmitted after reception.

  The permission mode ends at a predetermined timing, and the payment request transmission permission state is released. Here, the reading of fingerprint data from the terminal operator is repeated at a predetermined cycle, and if the verification fails, the permission mode is cancelled. That is, if the terminal operator is authenticated as a terminal user, the permission mode is set, and transmission of a settlement request is permitted only while the permission mode continues. At this time, if the verification of the fingerprint data read from the terminal operator's finger fails, the permission mode is automatically canceled.

  When the finger moves away from the detection surface of the fingerprint sensor 15a, the verification of the fingerprint data fails, so that the permission mode can be canceled by releasing the finger from the detection surface, and the billing settlement can be terminated. Therefore, it is possible to prevent another person from making a payment settlement after shifting to the permission mode, and to improve security when authenticating the terminal operator.

  FIG. 2 is a block diagram showing a configuration example of a main part in the billing settlement system of FIG. The cellular phone 2 includes a main control unit 10, a mobile radio communication unit 11, a display control unit 12, an LCD 12a, an input control unit 13, an operation key 13a, a voice input / output control unit 14, a physical information reading control unit 15, a fingerprint sensor. 15a, collation processing unit 16, transmission control unit 17, RAM 18, settlement unit interface 19, settlement unit holder 19a and settlement unit 20.

  The mobile radio communication unit 11 performs transmission / reception processing related to mobile radio communication performed with a base station. The mobile radio communication unit 11 transmits and receives voice signals and e-mails. The display control unit 12 performs drive control related to screen display, and displays characters and images on a display screen 2a in an LCD (Liquid Crystal Display) 12a.

  The input control unit 13 performs control related to key input by operating the operation keys 13a. As operation keys 13a, number keys, on-hook keys, off-hook keys, clear keys, direction keys, and enter keys are provided on the operation panel 2b. The voice input / output control unit 14 includes a receiver and a microphone, and performs control related to voice signal input / output during a call.

  The body information reading control unit 15 performs drive control for reading body information, and outputs fingerprint data obtained from the finger of the terminal operator as body information using the fingerprint sensor 15a. The fingerprint sensor 15a is activated when a finger touches the touch panel 2c, and reads fingerprint data from the finger via the touch panel 2c. Further, after activation, the fingerprint sensor 15a repeats reading of fingerprint data at a predetermined cycle T1, and is turned off when the verification of the terminal operator fails due to the finger moving away from the touch panel 2c. That is, when the permission mode is canceled, the power supply to the fingerprint sensor 15a is stopped.

  The fingerprint data read from the finger is digital data obtained by converting the shape of the fingerprint into a dot pattern. Further, the deviation of the finger pressing position on the touch panel 2c is corrected by determining the center position of the fingerprint by analyzing the feature points of the dot pattern.

  The verification processing unit 16 compares the fingerprint data read from the terminal operator with the fingerprint data stored as physical information in the settlement unit 20 and performs a process of determining whether or not they match. This fingerprint data matching process is performed using a storage area on a RAM (Random Access Memory) 18 capable of high-speed access as a work area. That is, fingerprint data stored in advance in the settlement unit 20 is read onto the RAM 18 and fingerprint data is compared and collated.

  The transmission control unit 17 performs control for permitting transmission of a settlement request based on the fingerprint data discrimination result and canceling the permission mode when the fingerprint data collation fails.

  The settlement unit interface 19 is a communication port that performs input / output control with respect to the settlement unit 20, and transmits fingerprint data and control signals to and from the settlement unit 20 via a settlement unit holder 19a provided in the terminal housing. Is going.

  The payment unit 20 is detachably attached to the payment unit holder 19a of the terminal housing, and performs an operation of generating a payment request based on the payment request from the reader / writer 3a. Here, it is assumed that the settlement unit 20 is made of a semiconductor chip.

  FIG. 3 is a block diagram showing a configuration example of a main part of the mobile phone of FIG. 2, and shows a settlement unit 20 made of a semiconductor chip. The settlement unit 20 includes a circuit board 21, a chip control unit 22 provided on the circuit board 21, a short-range wireless communication circuit 23, a coil antenna 23 a, an input / output interface 24, a cryptographic coprocessor 25, a physical information storage unit 26, A user information storage unit 27 is included.

  The input / output interface 24 is a communication port for performing input / output control. When the settlement unit 20 is mounted on the settlement unit holder 19a, fingerprint data and control signals are transmitted to the settlement unit interface 19.

  The short-range wireless communication circuit 23 performs transmission / reception processing of communication data by short-range communication, receives a payment request from the reader / writer 3a, and generates a settlement request based on the received payment request. The settlement request is generated based on user information stored in the user information storage unit 27.

  The user information storage unit 27 is a non-volatile semiconductor memory that stores user information, and stores terminal user identification data and billing settlement data related to billing settlement of the terminal user as user information. For example, a pre-paid amount (charged amount) and a usable limit amount are stored as billing settlement data. Such user information is written by a telecommunications carrier to which the terminal user subscribes or a manager who manages billing settlement, and the registration contents are updated each time billing settlement is completed based on a response from the settlement management device 3. .

  Communication data such as a settlement request is encrypted by the encryption coprocessor 25 and transmitted via the coil antenna 23a. The coil antenna 23 a is a coiled antenna that is wired along the end of the circuit board 21. That is, the coil antenna 23 a surrounds the chip control unit 22, the short-range wireless communication circuit 23, the input / output interface 24, the cryptographic coprocessor 25, the body information storage unit 26, and the user information storage unit 27 on the circuit board 21. .

  The settlement request including the user information as described above is transmitted to the reader / writer 3a when the terminal operator is successfully authenticated. That is, the transmission of the settlement request is permitted only while the permission mode is continued. The fingerprint data of the terminal user that is referred to when the terminal operator is authenticated is stored in the physical information storage unit 26. The physical information storage unit 26 is a nonvolatile semiconductor memory, and stores fingerprint data read in advance from the terminal user as physical information.

  In this way, by providing the user information storage unit 27 and the short-range wireless communication circuit 23 in the removable payment unit 20, even if the mobile phone 2 is replaced, the payment unit 20 of the original terminal is attached to the new terminal body. It is very convenient that the payment can be made correctly just by wearing it. At that time, since the physical information storage unit 26 for storing physical information is also provided in the settlement unit 20, the terminal operator can be properly authenticated, and the security can be improved.

  4 and 5 are flowcharts showing an example of the authentication operation of the terminal operator in the mobile phone of FIG. Steps S101 to S108 in FIG. 4 show a processing procedure from detection of a finger until permission to transmit a settlement request is released, and steps S111 to S114 in FIG. 5 show a fingerprint verification processing procedure in the authentication operation. It is shown.

  When the physical information reading control unit 15 detects a finger on the touch panel 2c, the physical information reading control unit 15 activates the fingerprint sensor 15a and proceeds to fingerprint collation processing (steps S101 to S103).

  In the fingerprint collation process, first, the fingerprint sensor 15a reads fingerprint data from the finger of the terminal operator (step S111). Next, the verification processing unit 16 reads the fingerprint data stored in the physical information storage unit 26 in the settlement unit 20 onto the RAM 18 and compares it with the fingerprint data read by the terminal operator (step S112). At this time, if the collation of the fingerprint data fails, the fingerprint data reading is repeated and the comparison collation is performed again (steps S113 and S114). If the fingerprint data collation is successful or if the fingerprint data collation fails a predetermined number of times, the fingerprint collation process ends and the original authentication operation is restored.

  As a result of the fingerprint collation, if the collation of fingerprint data is successful, the transmission control unit 17 shifts to the permission mode, and the transmission of the settlement request is permitted (steps S104 and S105). When the short-range wireless communication circuit 23 receives the payment request during the permission mode, it immediately generates a payment request and transmits it to the reader / writer 3a (steps S106 and S107).

  After the transition to the permission mode, the transmission control unit 17 transitions to the above-described fingerprint collation process when a certain period T1 has elapsed.

  On the other hand, if the fingerprint collation fails as a result of the fingerprint collation, the permission mode is canceled and the authentication operation ends (steps S104 and S108).

  In the present embodiment, when sending a payment request to the reader / writer 3a, since the payment request is allowed to be transmitted based on the fingerprint data discrimination result, without entering an identification code such as a password, Since the terminal operator is authenticated only by reading the fingerprint data, the operability when sending the settlement request can be improved. In particular, after the transition to the permission mode, if the fingerprint data collation fails, the permission mode is automatically canceled, so that it is possible to improve security when authenticating the terminal operator.

  In the present embodiment, an example in which communication data transmitted and received between the reader / writer 3a and the mobile phone 2 is transmitted by electromagnetic induction wireless communication has been described. However, the present invention is not limited to this. Absent. For example, the present invention can be applied to a device that uses wireless communication of an electrostatic coupling method, a microwave method, or an optical method.

  In the electrostatic coupling type wireless communication, an electrode made of a metal foil is used as an antenna, and a voltage is applied to one of the electrodes (antenna) of the short-range wireless communication chip 21b and the reader / writer 3a. Transmission / reception of communication data is performed using a phenomenon in which charges of opposite polarity are induced.

  In microwave wireless communication, communication data is transmitted using an electromagnetic wave (microwave) having a short wavelength.

  In optical wireless communication, communication data is transmitted using light such as infrared rays, and a light emitter that generates light and a light receiver that receives light are used instead of an antenna. For example, an LED (Light Emitting Diode) is used as the projector, and a PD (Photo Diode) or PT (Photo Transistor) is used as the light receiver. In such optical communication, the light emitted from one of the short-range wireless communication chip 21b and the reader / writer 3a is received by the other light receiver.

  Further, in the present embodiment, an example has been described in which communication data is wirelessly transmitted by carrier waves, that is, communication in a so-called contactless communication system is performed between the reader / writer 3a and the mobile phone 2. It is not limited to this. For example, a contact type communication in which communication data is directly transmitted between the reader / writer 3a and the mobile phone 2 without wirelessly transmitting a carrier wave may be used.

  Moreover, although this embodiment demonstrated the example in case the payment unit 20 is removable with respect to a terminal main body, this invention is not limited to this. For example, the short-range wireless communication circuit 23, the body information storage unit 26, and the user information storage unit 27 may be formed on a substrate on which the main control unit 10 of the terminal body is provided.

  In this embodiment, an example in which the permission mode is canceled when fingerprint data collation fails is described, but the present invention is not limited to this. For example, the permission mode may be canceled when a predetermined time has elapsed after successful fingerprint data collation.

  Steps S201 to S209 in FIG. 6 are flowcharts showing another example of the authentication operation in the mobile phone in FIG. In this example, after the transition to the permission mode, the permission mode is canceled if a predetermined time T2 elapses. That is, steps S201 to S205 are performed in the same manner as the processing procedures from step S101 to step S105 in FIG. Then, when a certain time T2 elapses after the fingerprint data is successfully verified, the permission mode is canceled and the authentication operation ends (steps S206 and S209).

  If a payment request is received during the permission mode, a payment request is immediately generated and transmitted to the reader / writer 3a (steps S207 and S208).

  Here, the time T2 for permitting the transmission of the payment request can be changed according to the communication method, the signal strength of the carrier wave, the reception sensitivity, and the terminal user's preference.

  In this way, the transmission permission state of the payment request is automatically canceled after a certain time T2 has passed since the fingerprint data read from the terminal operator's finger was successfully verified. Security at the time of authentication can be improved.

  In this embodiment, an example in which fingerprint data is read as physical information from a terminal operator has been described, but the present invention is not limited to this. For example, instead of fingerprint data, body images obtained by photographing palms and faces, retinal data obtained from eyes, and voice data obtained by collecting sounds emitted from vocal cords as physical information from the terminal operator It may be something that reads.

  Specifically, it is conceivable to provide imaging means such as a digital camera and perform authentication of the terminal operator based on a body image obtained by photographing the palm or face of the terminal operator. When extracting the body image from the palm of the terminal operator, the body image is collated by the palm print (palm), and when extracting the body image from the face, the body image is collated by the face contour pattern. Is called.

  Alternatively, it is conceivable that the terminal operator is authenticated based on retinal data obtained by scanning the eyes of the terminal operator with an optical scanning means such as infrared rays. Alternatively, it is conceivable to provide a sound collecting microphone and perform authentication of the terminal operator based on voice data obtained by recording voice uttered by the terminal operator. When the voice data is read from the terminal operator, the voice data is collated by the voiceprint.

Embodiment 2. FIG.
In the first embodiment, the example in which the permission mode is canceled when the fingerprint data collation fails has been described. On the other hand, in the present embodiment, a case will be described in which the reception status of a carrier wave that carries a payment request is monitored and the timing for releasing the permission mode is determined based on the reception status of the carrier wave.

  FIG. 7 is a block diagram showing a configuration example of a mobile communication terminal according to Embodiment 2 of the present invention. The mobile communication terminal 30 according to the present embodiment is different from the mobile phone 2 (Embodiment 1) of FIG. 2 in that a carrier wave monitoring unit 31 is provided. The carrier wave monitoring unit 31 performs an operation of monitoring the reception status of the carrier wave that carries the payment request and the payment request. Specifically, the strength level of the signal received by the short-range wireless communication circuit 23 of the settlement unit 20 is monitored, and the permission mode is immediately released when the strength level falls below a predetermined threshold.

  Thereby, if the portable communication terminal 30 comes out from the communication area of the reader / writer 3a, the permission mode is automatically canceled, so that the settlement request can be appropriately transmitted.

  Steps S301 to S309 in FIG. 8 are flowcharts illustrating an example of the authentication operation in the mobile communication terminal in FIG. In this example, the permission mode is canceled if the reception level of the carrier wave decreases after the transition to the permission mode. That is, step S301 to step S305 are performed in the same manner as the processing procedure from step S101 to step S105 in FIG. When the strength level in the received signal of the carrier wave falls below the threshold during the permission mode, the permission mode is canceled and the authentication operation ends (steps S306 and S309).

  If a payment request is received during the permission mode, a payment request is immediately generated and transmitted to the reader / writer 3a (steps S307 and S308).

  In the present embodiment, an example in which the permission mode is immediately canceled when the strength level of the received signal decreases has been described, but the present invention is not limited to this. For example, when the reception level of the carrier wave is unstable, there may be a case where the permission mode is canceled despite being in the communication area of the reader / writer 3a.

  Therefore, even if the reception level is reduced, the permission mode may not be canceled if it is recovered within a predetermined period. In other words, if the signal strength falls below the threshold within a predetermined period after the received signal strength level falls below the threshold, the permission mode is not canceled and the signal strength must rise above the threshold within this period. In this case, the permission mode is canceled immediately after the period has elapsed. With this configuration, even when the reception level of the carrier wave is unstable, the permission mode can be accurately canceled by leaving the reader / writer 3a from the communication area.

  In the first and second embodiments, the timing when the permission mode is canceled is determined by the fingerprint data collation failure, determined by the elapse of a predetermined time, or determined by the reception status of the carrier wave, respectively. Although described, the present invention is not limited to this. For example, the timing for canceling the permission mode may be switched, and the terminal operator may select one of the above-described cancellation timings by selecting on the menu screen.

1 is a diagram illustrating an example of a schematic configuration of a billing settlement system according to a first embodiment of the present invention, in which a settlement management device 3 and a mobile phone 2 with a settlement function are illustrated. FIG. 2 is a block diagram illustrating a configuration example of a main part in the billing settlement system of FIG. 1, in which a mobile phone 2 is illustrated. FIG. 3 is a block diagram illustrating a configuration example of a main part of the mobile phone in FIG. 2, in which a settlement unit 20 including a semiconductor chip is illustrated. FIG. 3 is a flowchart showing an example of a terminal operator authentication operation in the mobile phone of FIG. 2, showing a processing procedure from detection of a finger to release of permission to transmit a payment request. FIG. 3 is a flowchart showing an example of a terminal operator authentication operation in the mobile phone of FIG. 2, showing a fingerprint verification processing procedure in the authentication operation. 6 is a flowchart showing another example of the authentication operation in the mobile phone of FIG. It is the block diagram which showed the structural example of the mobile communication terminal by Embodiment 2 of this invention. It is the flowchart which showed an example of the authentication operation | movement in the portable communication terminal of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Charge settlement system 2 Mobile phone 2a Display screen 2b Operation panel 2c Touch panel 3 Payment management device 3a Reader / writer 3b Information processing device 10 Main control unit 11 Mobile wireless communication unit 12 Display control unit 12a LCD
13 Input control unit 13a Operation key 14 Voice input / output control unit 15 Physical information reading control unit 15a Fingerprint sensor 16 Collation processing unit 17 Transmission control unit 18 RAM
19 Payment unit interface 19a Payment unit holder 20 Payment unit 21 Circuit board 22 Chip control unit 23 Short-range wireless communication circuit 23a Coil antenna 24 Input / output interface 25 Cryptographic coprocessor 26 Physical information storage unit 27 User information storage unit 30 Mobile communication terminal 31 Carrier monitoring unit

Claims (7)

Non-volatile physical information storage means for storing physical information;
Physical information reading means for reading physical information from the terminal operator;
Comparing the physical information read from the terminal operator with the physical information stored in the physical information storage means, to determine whether or not both match,
Payment communication means for receiving a payment request from the payment management device and transmitting a payment request to the payment management device based on the received payment request;
A mobile communication terminal with a payment function, comprising: a transmission control means for permitting transmission of the payment request based on a discrimination result of physical information. The physical information storage means stores fingerprint data as physical information,
The physical information reading means reads fingerprint data from the terminal operator's finger as physical information, and repeats reading of the fingerprint data at a predetermined cycle,
2. The mobile communication terminal with a payment function according to claim 1, wherein the transmission control means cancels the transmission permission state of the payment request when the fingerprint data collation fails. The physical information storage means stores fingerprint data as physical information,
The physical information reading means reads fingerprint data as physical information from the finger of the terminal operator,
2. The portable communication terminal with a payment function according to claim 1, wherein the transmission control means cancels the transmission permission state of the payment request when a predetermined time elapses after the fingerprint data is successfully verified. Carrier wave monitoring means for monitoring the reception status of a carrier wave that carries a payment request wirelessly,
2. The mobile communication terminal with a payment function according to claim 1, wherein the transmission control means cancels a payment request transmission permission state based on a reception state of a carrier wave. It has a payment unit that is detachably attached to the terminal housing,
The settlement unit includes non-volatile user information storage means for storing identification data used for identification of a terminal operator in charge settlement by the settlement management device as user information, the physical information storage means, and the settlement communication means. ,
The mobile communication terminal with a payment function according to claim 1, wherein the transmission control means transmits a payment request including the user information. A payment management device that generates a payment request and manages billing payment; and a mobile communication terminal that generates a payment request based on the payment request,
The portable communication terminal includes: a non-volatile physical information storage unit that stores physical information; a physical information reading unit that reads physical information from a terminal operator; and the physical information read from the terminal operator in the physical information storage unit. Compared with the stored physical information, a verification means for determining whether or not they match, and a payment request from the payment management device is received, and a payment request is made to the payment management device based on the received payment request A payment settlement system comprising: a settlement communication unit that transmits a transmission request; and a transmission control unit that permits transmission of the settlement request based on a physical information discrimination result. A physical information storage step for storing physical information in a nonvolatile memory;
A physical information reading step for reading physical information from the terminal operator;
Comparing the physical information read from the terminal operator with the physical information stored in the non-volatile memory, and determining whether or not both match,
A payment communication step of receiving a payment request from the payment management device and transmitting a payment request to the payment management device based on the received payment request;
An authentication method in billing settlement, comprising: a transmission control step for permitting transmission of the settlement request based on a physical information discrimination result.

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