Holding device and program

Abstract

To provide a holding device and a program for performing non-contact electronic payment in place of a mobile terminal when the non-contact electronic payment cannot be performed because power of a mobile terminal is turned off.SOLUTION: A holding device 20 for holding payment information used for non-contact electronic payment, comprises: an attachment portion 22 for attaching the holding device 20 to a mobile terminal 40; and an IC chip 100 for receiving payment information used for non-contact electronic payment held by the mobile terminal 40 from the mobile terminal 40 by non-contact communication, and holding payment information corresponding to payment information received from the mobile terminal 40. The IC chip 100 uses the payment information held by the IC chip 100 to perform processing for non-contact electronic payment.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present invention relates to a holding device and a program. [Background technology]

[0002] Patent Document 1 describes a mobile terminal equipped with electronic payment means for implementing electronic payment by transmitting payment information via contactless communication. [Prior art document] [Patent documents] [Patent Document 1] JP 2014-167754 A Summary of the Invention

[0003] A holding device according to a first aspect of the present invention holds payment information used for contactless electronic payment. The holding device includes an attachment section for attaching the holding device to a terminal. The holding device receives payment information held by the terminal and used for contactless electronic payment from the terminal via contactless communication, and includes an IC chip that holds payment information corresponding to the payment information received from the terminal. The IC chip executes processing for making contactless electronic payment using the payment information held in the IC chip.

[0004] The IC chip may transmit a signal inquiring about the power supply state of the terminal when it receives a request to read payment information from the outside by contactless communication, and transmit the payment information held in the IC chip to the outside in response to the read request when it fails to receive a response to the signal from the terminal. The IC chip may transmit a signal inquiring about the power supply state of the terminal when it receives power by electromagnetic induction, and transmit the payment information held in the IC chip to the outside in response to the request to read payment information by contactless communication when it fails to receive a response to the signal from the terminal.

[0005] A holding device according to a second aspect of the present invention holds payment information used for contactless electronic payment. The holding device includes an attachment section for attaching the holding device to a terminal. The holding device includes an IC chip that holds the payment information and transmits the payment information in response to a read request for the payment information via contactless communication. When the IC chip receives a read request from outside via contactless communication, it transmits a signal inquiring about the power supply state of the terminal, and when it fails to receive a response to the signal from the terminal, it transmits the payment information held in the IC chip to outside in response to the read request.

[0006] In the holding device of the first and second aspects, when a contactless electronic payment is made using the payment information held in the IC chip, the IC chip may store history information indicating a payment history, and transmit the history information to the terminal in response to a request received from the terminal via contactless communication.

[0007] In the holding device in the first and second aspects, the payment made using the payment information held in the IC chip may be at least one of credit card payment, prepaid payment, and debit payment.

[0008] In the holding device in the first and second aspects, the payment made using the payment information held in the IC chip is a prepaid payment, and after a contactless prepaid payment is made using the payment information held in the IC chip, the IC chip may transmit remaining balance information for the prepaid payment to the terminal in response to a request received from the terminal via contactless communication.

[0009] In the holding device in the first and second aspects, the IC chip stores balance information for prepaid payments, and when update information for the balance information is received from the terminal via contactless communication, the balance information stored in the IC chip may be updated based on the update information.

[0010] In the holding device of the first and second aspects, the IC chip stores information indicating the maximum amount that can be paid using the payment information held in the IC chip, and may prohibit contactless electronic payment using the payment information held in the IC chip if the maximum amount is exceeded.

[0011] In the holding device in the first and second aspects, the IC chip may receive information indicating the upper limit from the terminal by contactless communication.

[0012] In the holding device in the first and second aspects, the IC chip may invalidate the payment information held in the IC chip when it receives a request from the terminal to invalidate the payment information held in the IC chip.

[0013] In a third aspect, a program is provided, the program causing a computer to function as the above-mentioned holding device.

[0014] The above summary of the invention does not list all of the necessary features of the present invention. Also, subcombinations of these features may also be inventions. [Brief description of the drawings]

[0015] [Figure 1] 2 shows a schematic functional configuration of the holding device 20. [Diagram 2] 1 shows a schematic view of a state in which the holding device 20 is attached to a mobile terminal 40. [Diagram 3] 1 shows a state in which contactless electronic payment is made using payment acceptance terminal 60. [Figure 4] This is a sequence for storing payment information in the IC chip 100. [Diagram 5] This is a sequence for storing upper limit information for electronic payment in the IC chip 100. [Figure 6] 1 shows a data structure of upper limit information stored in a memory 130 included in an IC chip 100. [Figure 7]This is a sequence for making contactless electronic payment using payment acceptance terminal 60. [Figure 8] This is a sequence for making contactless electronic payment using payment acceptance terminal 60. [Figure 9] 2 shows an example of a computer 2000 according to the present embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0016] The present invention will be described below through the embodiments of the invention, but the following embodiments do not limit the invention according to the claims. In addition, not all of the combinations of features described in the embodiments are necessarily essential to the solution of the invention. In the drawings, the same reference numbers are used for the same or similar parts, and duplicate explanations may be omitted.

[0017] 1 shows a schematic functional configuration of the holding device 20. The holding device 20 is an information medium that holds data written by an induced electromagnetic field or radio waves and can be read out in a non-contact manner. The holding device 20 holds payment information used for contactless electronic payment.

[0018] The holding device 20 includes an IC chip 100 and an antenna 150. The IC chip 100 incorporates an RF circuit 110, a processor 120, a memory 130, and a power supply circuit 140. The memory 130 includes a non-volatile semiconductor memory. The memory 130 holds payment information as data. The antenna 150 generates power, for example, by induced radio waves generated by an external reading device. The power supply circuit 140 converts the power generated by the antenna 150 into stable DC voltage power. The IC chip 100 operates using the power converted by the power supply circuit 140.

[0019] The RF circuit 110 demodulates the signal received through the antenna 150 and outputs the demodulated signal to the processor 120. The processor 120 performs calculations based on the signal output from the RF circuit 110. The processor 120 stores data generated by the calculations in the memory 130. The processor 120 also reads data from the memory 130 and outputs the data to the RF circuit 110. The RF circuit 110 modulates the signal output from the processor 120 and transmits it through the antenna 150.

[0020] 2 is a schematic diagram showing a state in which the holding device 20 is attached to the mobile terminal 40. As will be described later, the holding device 20 is used in a state in which it is attached to the mobile terminal 40.

[0021] The mobile terminal 40 is a mobile communication terminal such as a smartphone. The mobile terminal 40 includes a non-contact communication circuit 42, a power supply circuit 44, and a display 46. The power supply circuit 44 includes a battery 43. The power supply circuit 44 converts the power supplied from the battery 43 into stable power. The power supply circuit 44 generates power to be supplied to each part of the mobile terminal 40 including the non-contact communication circuit 42 and the display 46.

[0022] The mobile terminal 40 has a contactless electronic payment function and a reader / writer function for reading and writing information by contactless communication. The contactless communication may be near field communication (NFC), and the contactless electronic payment function may be an electronic payment function using NFC. The contactless electronic payment function and the reader / writer function are realized by a contactless communication circuit 42. For example, the contactless communication circuit 42 may include a contactless IC chip having a contactless electronic payment function and a contactless reader / writer circuit for reading and writing data from the outside by contactless communication. The contactless IC chip included in the contactless communication circuit 42 has a configuration similar to that of the IC chip 100, and holds payment information used for contactless electronic payment. The contactless reader / writer circuit included in the contactless communication circuit 42 communicates with an external information medium including the IC chip 100 via contactless communication, and reads and writes data from and to the external information medium. The contactless communication circuit 42 operates with power supplied from a power supply circuit 44.

[0023] When the remaining capacity of the battery 43 falls below a predetermined threshold, the power supply circuit 44 stops the power supply to each part of the mobile terminal 40 in order to protect the battery 43. This state is generally called "battery dead" or "power off". When the power supply from the power supply circuit 44 stops in the mobile terminal 40, the mobile terminal 40 stops operating. When power is not supplied from the power supply circuit 44, there is a problem that the contactless electronic payment function cannot be used using the mobile terminal 40.

[0024] Even when the mobile terminal 40 is shut down by powering off the mobile terminal 40, it is possible to perform contactless electronic payment as long as the remaining capacity of the battery 43 is equal to or greater than a predetermined threshold. From the perspective of the user of the mobile terminal 40, it is difficult to immediately distinguish between a state in which power supply from the power supply circuit 44 is no longer possible and a state in which the mobile terminal 40 has been shut down by powering off the mobile terminal 40. For this reason, the user may attempt to perform contactless electronic payment without realizing that power supply from the power supply circuit 44 is no longer possible, and may only realize that the power has been cut off when payment is no longer possible.

[0025] In this embodiment, the holding device 20 is used in a state where it is attached to the mobile terminal 40. The holding device 20 provides a contactless electronic payment function in place of the mobile terminal 40 when contactless electronic payment cannot be performed, for example, because the mobile terminal 40 is turned off.

[0026] The holding device 20 is attached to, for example, a rear surface 48 side of a housing of the mobile terminal 40. The rear surface 48 is the surface opposite to the surface of the mobile terminal 40 on which the display 46 is provided. The holding device 20 includes an attachment portion 22 for attaching the holding device 20 to the mobile terminal 40. The attachment portion 22 is configured to include an adhesive or sticky member. The holding device 20 may be attached to the mobile terminal 40 by the attachment portion 22 coming into direct contact with the mobile terminal 40. The holding device 20 may be attached to the mobile terminal 40 by being attached to a cover case attached to the mobile terminal 40.

[0027] The IC chip 100 included in the holding device 20 is supplied with power by an induced electromagnetic field or radio waves generated by the contactless reader / writer circuit of the contactless communication circuit 42, and is able to communicate with the contactless reader / writer circuit. The IC chip 100 receives payment information used for contactless electronic payment held by the mobile terminal 40 from the mobile terminal 40 by contactless communication, and holds payment information corresponding to the payment information received from the mobile terminal 40. For example, the IC chip 100 included in the holding device 20 communicates with the contactless reader / writer circuit included in the contactless communication circuit 42 through the antenna 150, and holds the payment information held by the mobile terminal 40 in the memory 130. The IC chip 100 executes a process for making contactless electronic payment using the payment information held by the IC chip 100.

[0028] 3 shows a state when contactless electronic payment is made using the payment acceptance terminal 60. Power is supplied to the IC chip 100 by the induced electromagnetic field or radio waves generated by the payment acceptance terminal 60, enabling communication with the payment acceptance terminal 60.

[0029] When the IC chip 100 receives a request to read payment information from the outside by non-contact communication, it transmits a signal inquiring about the power state of the mobile terminal 40, and when it cannot receive a response to the signal from the mobile terminal 40, it transmits the payment information held by the IC chip 100 to the outside in response to the read request. For example, when the IC chip 100 receives a request to read payment information from the payment acceptance terminal 60 by non-contact communication, it transmits a signal inquiring about the power state of the mobile terminal 40, and when it cannot receive a response to the signal from the mobile terminal 40, it transmits the payment information held by the IC chip 100 to the payment acceptance terminal 60 in response to the read request. In this way, the IC chip 100 holds the payment information and transmits the payment information by non-contact communication in response to the read request for the payment information. When the IC chip 100 receives power by electromagnetic induction, it may transmit a signal inquiring about the power state of the mobile terminal 40. In other words, IC chip 100 may "transmit a signal inquiring about the power state of portable terminal 40" not "when a request to read payment information is received from outside," but "when power is supplied by electromagnetic induction." IC chip 100 may transmit a signal inquiring about the power state of portable terminal 40 when power is supplied by electromagnetic induction generated by a carrier wave carrying the signal of the request to read payment information, or may transmit a signal inquiring about the power state of portable terminal 40 when power is supplied by electromagnetic induction generated by something other than the carrier wave.

[0030] The payment information is identification information that the payment acceptance terminal 60 needs to acquire in order to perform electronic payment. The identification information may be information assigned to each terminal and payment method. The payment information may be information that identifies the person or corporation making the payment. The payment information for credit card payment may be information that identifies the credit card used for the final payment. The payment information for debit payment may be information used to identify a bank account. The payment information for prepaid payment using value such as electronic money may be identification information assigned to the mobile terminal 40 by the issuer of the value.

[0031] The IC chip 100 stores history information indicating a payment history when a contactless electronic payment is made using payment information held in the IC chip 100. The IC chip 100 transmits the history information to the mobile terminal 40 in response to a request received from the mobile terminal 40 by contactless communication. This makes it possible to synchronize the payment history between the mobile terminal 40 and the IC chip 100.

[0032] The payment made using the payment information held by the IC chip 100 is at least one of credit payment, prepaid payment, and debit payment. When the payment made using the payment information held by the IC chip 100 is a prepaid payment, the IC chip 100 transmits balance information of the prepaid payment to the mobile terminal 40 in response to a request received from the mobile terminal 40 by contactless communication after a contactless prepaid payment is made using the payment information held by the IC chip 100. The IC chip 100 also stores balance information of the prepaid payment, and when update information of the balance information is received from the mobile terminal 40 by contactless communication, the IC chip 100 updates the balance information stored in the IC chip 100 based on the update information. This allows the balance information to be synchronized between the mobile terminal 40 and the IC chip 100.

[0033] The IC chip 100 may store information indicating the upper limit of the amount of payment that can be made using the payment information held by the IC chip 100, and may prohibit contactless electronic payment using the payment information held by the IC chip 100 when the payment amount exceeds the upper limit. For example, when the payment amount exceeds the upper limit, the IC chip 100 does not transmit the payment information. As a result, even if a person who intends to use the holding device 20 fraudulently removes the holding device 20 from the mobile terminal 40 and tries to use the holding device 20 alone, the person cannot use the holding device 20 for payment exceeding the upper limit. Therefore, damage that may occur due to fraudulent use can be reduced. The IC chip 100 may receive information indicating the upper limit of the amount from the mobile terminal 40 by contactless communication.

[0034] The holding device 20 may have a structure in which at least a part of a circuit required for the holding device 20 to perform contactless communication is destroyed when the holding device 20 is peeled off from the mobile terminal 40. For example, the holding device 20 may have a structure in which the antenna 150 is destroyed by a force applied when peeling the holding device 20 off the mobile terminal 40.

[0035] When the IC chip 100 receives a request from the mobile terminal 40 to invalidate the payment information held by the IC chip 100, the IC chip 100 may invalidate the payment information held by the IC chip 100. For example, when the IC chip 100 receives a request from the mobile terminal 40 to invalidate the payment information, the IC chip 100 may erase the payment information from the memory 130. This can further reduce the possibility of the holding device 20 being fraudulently used. In addition, when the mobile terminal 40 has a function of disabling the mobile terminal 40 by remote control, when the mobile terminal 40 receives a signal requesting the disabling, the non-contact communication circuit 42 may transmit a request to invalidate the payment information to the IC chip 100. This can disable the holding device 20 by remote control.

[0036] Fig. 4 shows a sequence for storing payment information in the IC chip 100. The process shown in Fig. 4 is executed when the contactless electronic payment function available in the mobile terminal 40 is made available in the holding device 20. For example, the user of the mobile terminal 40 starts up the dedicated application software installed in the mobile terminal 40, and issues an instruction to make the payment information available in the holding device 20 using the dedicated application software. As a result, the contactless communication circuit 42 starts an operation for storing the payment information in the IC chip 100 according to the control of the dedicated application software.

[0037] First, in S302, the non-contact communication circuit 42 of the mobile terminal 40 transmits payment information held by the non-contact communication circuit 42 through non-contact communication. In S304, the IC chip 100 starts operating with power generated by the induced electromagnetic field or radio waves used for non-contact communication from the non-contact communication circuit 42, acquires the payment information transmitted from the non-contact communication circuit 42, and stores it in the memory 130.

[0038] In S306, the IC chip 100 transmits a completion notification indicating that the storage of the payment information has been completed. Upon receiving the completion notification, the non-contact communication circuit 42 ends the non-contact communication (S308).

[0039] Fig. 5 shows a sequence for storing upper limit information for electronic payment in IC chip 100. The process shown in Fig. 5 is executed when an instruction to set an upper limit for electronic payment is given in holding device 20. For example, a user of mobile terminal 40 starts dedicated application software installed in mobile terminal 40, inputs upper limit information for payment using the dedicated application software, and gives an instruction to set the input upper limit information in holding device 20. As a result, non-contact communication circuit 42 starts an operation to store the upper limit information in IC chip 100 according to the control of the dedicated application software. The upper limit can be set for each payment method.

[0040] First, in S322, the non-contact communication circuit 42 of the mobile terminal 40 transmits, by non-contact communication, the identification information of the payment means and information indicating the upper limit of each payment means. In S324, the IC chip 100 starts operating with power generated by the induced electromagnetic field or radio waves used for non-contact communication from the non-contact communication circuit 42, receives the information transmitted from the non-contact communication circuit 42, and stores the upper limit of each payment means in the memory 130.

[0041] In S326, the IC chip 100 transmits a completion notification indicating that the upper limit has been stored. Upon receiving the completion notification, the non-contact communication circuit 42 ends the non-contact communication (S328).

[0042] 6 shows the data structure of the upper limit information stored in the memory 130 of the IC chip 100. The upper limit information has the following data items that are associated with each other: "payment method ID," "first upper limit," "second upper limit," and "third upper limit." The "payment method ID" is identification information that identifies the payment method. For example, the identification information has a different value for each type of electronic money.

[0043] The "first upper limit" indicates the upper limit of the total amount allowed for electronic payments to be made on the holding device 20 per month. The "second upper limit" indicates the upper limit of the total amount allowed for electronic payments to be made on the holding device 20 per day. The "third upper limit" indicates the upper limit of the payment amount allowed for each electronic payment using the holding device 20. If no restriction based on the upper limit is imposed, a predetermined value indicating "unlimited" is stored.

[0044] When making an electronic payment, the IC chip 100 receives the payment amount and the identification information of the payment method from the payment acceptance terminal 60, and then refers to the upper limit information stored in the memory 130 to obtain the first upper limit, the second upper limit, and the third upper limit associated with the identification information. When the conditions for each upper limit are met, the IC chip 100 executes a process for making the electronic payment.

[0045] The restriction based on the upper limit information is applied to payments where the payment amount is notified from the payment acceptance terminal 60, such as prepaid payments such as electronic money payments. For example, when making a payment where credit confirmation is performed externally, such as credit card payments, the upper limit information set using the dedicated application software may be registered in an external server that determines whether the payment can be made based on the credit information, and the external server may determine whether the payment can be made based on the upper limit. When making a payment where the payment can be made based on the balance in a bank account, such as debit card payments, the upper limit information set using the dedicated application software may be registered in an external server that determines whether the payment can be made based on the balance in a bank account, and the external server may determine whether the payment can be made based on the upper limit.

[0046] Fig. 7 shows a sequence for making a contactless electronic payment using payment acceptance terminal 60. The process shown in Fig. 7 is executed when mobile terminal 40 is brought close to payment acceptance terminal 60. Fig. 7 shows the process executed when the remaining charge of battery 43 included in mobile terminal 40 is equal to or greater than a predetermined threshold. In other words, Fig. 7 shows the process executed when mobile terminal 40 has "power".

[0047] In S402, the payment acceptance terminal 60 transmits a payment information request for requesting transmission of payment information by contactless communication. The contactless communication circuit 42 of the mobile terminal 40 and the IC chip 100 of the holding device 20 each start operating with power generated by the induced electromagnetic field or radio waves used for contactless communication from the payment acceptance terminal 60, and receive the payment information request transmitted from the payment acceptance terminal 60.

[0048] First, the exchange between the mobile terminal 40 and the payment acceptance terminal 60 will be described. In response to receiving the payment information request transmitted in S402, the non-contact communication circuit 42 reads out the payment information stored therein (S404). In S406, the non-contact communication circuit 42 transmits the payment information by non-contact communication. In S420, the payment acceptance terminal 60 performs a payment process using the payment information, and completes the non-contact communication in S422. Note that in S420, an exchange of information indicating the success or failure of the payment may be performed between the payment acceptance terminal 60 and the non-contact communication circuit 42. When a prepaid payment is performed, a process for updating the balance information stored in the non-contact communication circuit 42 may be performed between the payment acceptance terminal 60 and the non-contact communication circuit 42.

[0049] Next, the exchange between the holding device 20 and the portable terminal 40 will be described. When the IC chip 100 receives the payment information request transmitted in S402, it transmits inquiry information inquiring about the power supply state of the portable terminal 40 by non-contact communication (S408). When the non-contact communication circuit 42 receives the inquiry information, it transmits response information by non-contact communication in S410.

[0050] The response information transmitted in S410 may include any information. When the power supply from the power supply circuit 44 to the mobile terminal 40 is stopped, the response information is not transmitted. Therefore, when the IC chip 100 receives any response information from the non-contact communication circuit 42, the IC chip 100 may regard the response information as information meaning "powered". When the IC chip 100 receives the response information from the non-contact communication circuit 42, the IC chip 100 determines that payment information is to be transmitted from the mobile terminal 40, and does not transmit the payment information. For convenience of explanation, the exchange between the mobile terminal 40 and the payment acceptance terminal 60 has been explained above, but it goes without saying that when the IC chip 100 receives the payment information request in S402, it may immediately perform the process of transmitting the inquiry information in S408.

[0051] Next, in S430, the non-contact communication circuit 42 transmits an information update request by non-contact communication. The IC chip 100 operates by power generated by an induction electromagnetic field or radio waves used for non-contact communication from the non-contact communication circuit 42, and receives the information update request transmitted from the non-contact communication circuit 42. The information update request may include history information including the date and time of payment, the amount of payment, and the like. In S432, the IC chip 100 updates the payment-related information stored in the memory 130 based on the information update request received in S430. For example, the IC chip 100 may add the received history information to the history information stored in the memory 130. In addition, when a prepaid payment is made in S420, the IC chip 100 may perform an update process of the remaining amount information held in the memory 130. Next, in S434, the IC chip 100 transmits a completion notification indicating that the update is completed by non-contact communication. When the non-contact communication circuit 42 receives the completion notification, it ends the non-contact communication (S436). This allows the payment-related information to be synchronized between the mobile terminal 40 and the holding device 20.

[0052] Fig. 8 shows a sequence for making a contactless electronic payment using payment acceptance terminal 60. The process shown in Fig. 8 is executed when mobile terminal 40 is brought close to payment acceptance terminal 60. Fig. 8 also shows the process executed when the remaining charge of battery 43 included in mobile terminal 40 falls below a predetermined threshold. In other words, Fig. 8 shows the process executed when mobile terminal 40 has "no power".

[0053] In S502, the payment acceptance terminal 60 transmits a payment information request for requesting transmission of payment information via contactless communication. The IC chip 100 of the holding device 20 starts operating with power generated by the induced electromagnetic field or radio waves used for contactless communication from the payment acceptance terminal 60, and receives the payment information request transmitted from the payment acceptance terminal 60. Note that since the mobile terminal 40 is in a "no power" state, there is no response from the contactless communication circuit 42 to the payment information request.

[0054] When the IC chip 100 receives the payment information request transmitted in S502, it transmits inquiry information inquiring about the power supply state of the mobile terminal 40 by non-contact communication (S504). Since the mobile terminal 40 is in a "no power" state, there is no response from the non-contact communication circuit 42 to the inquiry information. If the IC chip 100 does not receive a response from the non-contact communication circuit 42 within a predetermined time, in S506, the IC chip 100 checks whether the upper limit conditions are met. If the received payment information request includes information indicating the payment amount, the IC chip 100 checks whether the various upper limits are exceeded by referring to the upper limit information, as described in relation to FIG. 6 and the like. If the upper limit conditions are not met, the IC chip 100 does not execute subsequent processes.

[0055] In response to the payment information request received in S502, the IC chip 100 reads out the payment information stored in the memory 130 (S508). In S510, the IC chip 100 transmits the payment information read out in S508 by contactless communication. In S520, the payment acceptance terminal 60 performs payment processing using the payment information received from the IC chip 100, and completes the contactless communication in S522. Note that in S520, information indicating the success or failure of payment may be exchanged between the payment acceptance terminal 60 and the IC chip 100. When a prepaid payment is made, processing for updating balance information stored in the IC chip 100 may be executed between the payment acceptance terminal 60 and the IC chip 100.

[0056] As described above, the IC chip 100 of the holding device 20 can perform contactless electronic payment on behalf of the mobile terminal 40 when the mobile terminal 40 is in a "power-off" state.

[0057] Next, a process after a payment is made using the payment information held by the IC chip 100 will be described. After the payment is made, the battery 43 of the mobile terminal 40 is charged, and when power supply from the power supply circuit 44 of the mobile terminal 40 becomes possible in S530 (S530), in S532 the non-contact communication circuit 42 transmits an information transmission request by non-contact communication to request transmission of information regarding the payment made by the IC chip 100. The IC chip 100 operates by power generated by the induced electromagnetic field or radio waves used for non-contact communication from the non-contact communication circuit 42, and receives the information update request transmitted from the non-contact communication circuit 42.

[0058] In S534, the IC chip 100 transmits information on the contactless electronic payment made by the IC chip 100 through contactless communication. The information transmitted in S534 may include history information including the date and time of payment, the payment amount, and the like. When a prepaid payment is made, the information transmitted in S534 may include the remaining balance information of the prepaid payment. In S536, the contactless communication circuit 42 updates the payment-related information stored in the memory 130 based on the information received in S534. For example, the IC chip 100 may add the received history information to the history information stored in the memory 130. Also, when a prepaid payment is made, an update process of the remaining balance information held by the contactless communication circuit 42 may be performed. Next, in S538, the contactless communication circuit 42 transmits a completion notification indicating that the update has been completed through contactless communication. When the contactless communication circuit 42 receives the completion notification, it ends the contactless communication (S540). This allows the payment-related information to be synchronized between the mobile terminal 40 and the holding device 20.

[0059] As described above, according to the holding device 20, when the battery of the portable terminal 40 runs out, the holding device 20 can transmit payment information to the payment acceptance terminal 60 instead of the portable terminal 40. Furthermore, the holding device 20 checks the power supply state of the portable terminal 40, and when the battery of the portable terminal 40 has not run out, the holding device 20 does not transmit payment information to the payment acceptance terminal 60. Therefore, it is possible to reduce the possibility that both the portable terminal 40 and the holding device 20 transmit payment information.

[0060] 9 shows an example of a computer 2000 according to the present embodiment. A program installed in the computer 2000 can cause the computer 2000 to function as an apparatus or system such as the holding device 20 according to the embodiment, or each part of the apparatus or system, to execute operations associated with the apparatus or each part of the apparatus, and / or to execute a process or steps of the process according to the embodiment. Such a program can be executed by the CPU 2012 to cause the computer 2000 to execute specific operations associated with some or all of the blocks of the process steps and block diagrams described herein.

[0061] The computer 2000 according to this embodiment includes a CPU 2012 and a RAM 2014, which are connected to each other by a host controller 2010. The computer 2000 also includes a ROM 2026, a flash memory 2024, a communication interface 2022, and an input / output chip 2040. The ROM 2026, the flash memory 2024, the communication interface 2022, and the input / output chip 2040 are connected to the host controller 2010 via the input / output controller 2020.

[0062] The CPU 2012 operates according to the programs stored in the ROM 2026 and RAM 2014, thereby controlling each unit.

[0063] The communication interface 2022 communicates with other electronic devices via a network. The flash memory 2024 stores programs and data used by the CPU 2012 in the computer 2000. The ROM 2026 stores a boot program and the like executed by the computer 2000 upon activation, and / or a program that depends on the hardware of the computer 2000. The input / output chip 2040 may also connect various input / output units, such as a keyboard, mouse, and monitor, to the input / output controller 2020 via input / output ports, such as a serial port, a parallel port, a keyboard port, a mouse port, a monitor port, a USB port, an HDMI port, and the like.

[0064] The programs are provided via a computer-readable medium such as a CD-ROM, a DVD-ROM, or a memory card, or a network. The RAM 2014, the ROM 2026, or the flash memory 2024 are examples of computer-readable media. The programs are installed in the flash memory 2024, the RAM 2014, or the ROM 2026, and executed by the CPU 2012. Information processing described in these programs is read by the computer 2000, and brings about cooperation between the programs and the various types of hardware resources described above. An apparatus or method may be constructed by implementing an operation or processing of information according to the use of the computer 2000.

[0065] For example, when communication is performed between the computer 2000 and an external device, the CPU 2012 may execute a communication program loaded in the RAM 2014 and instruct the communication interface 2022 to perform communication processing based on the processing described in the communication program. Under the control of the CPU 2012, the communication interface 2022 reads transmission data stored in a transmission buffer processing area provided in a recording medium such as the RAM 2014 and the flash memory 2024, transmits the read transmission data to a network, and writes reception data received from the network to a reception buffer processing area or the like provided on the recording medium.

[0066] Furthermore, the CPU 2012 may cause all or a necessary portion of a file or database stored on a recording medium such as the flash memory 2024 to be read into the RAM 2014, and perform various types of processing on the data on the RAM 2014. The CPU 2012 then writes back the processed data to the recording medium.

[0067] Various types of information, such as various types of programs, data, tables, and databases, may be stored in the recording medium and subjected to information processing. The CPU 2012 may execute various types of processing, including various types of operations, information processing, conditional judgment, conditional branching, unconditional branching, information search / replacement, etc., described herein and specified by the instruction sequence of the program, on the data read from the RAM 2014, and write back the results to the RAM 2014. The CPU 2012 may also search for information in a file, database, etc. in the recording medium. For example, when a plurality of entries each having an attribute value of a first attribute associated with an attribute value of a second attribute are stored in the recording medium, the CPU 2012 may search for an entry that matches a condition in which an attribute value of the first attribute is specified from among the plurality of entries, read the attribute value of the second attribute stored in the entry, and thereby obtain the attribute value of the second attribute associated with the first attribute that satisfies a predetermined condition.

[0068] The above-described programs or software modules may be stored in a computer-readable medium on the computer 2000 or in the vicinity of the computer 2000. A recording medium such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet can be used as the computer-readable medium. The programs stored in the computer-readable medium may be provided to the computer 2000 via a network.

[0069] A program installed in the computer 2000 and causing the computer 2000 to function as the holding device 20 may act on the CPU 2012 or the like to cause the computer 2000 to function as each part of the holding device 20. When the information processing described in these programs is read into the computer 2000, the computer 2000 functions as each part of the holding device 20, which is a specific means in which the software and the various hardware resources described above work together. These specific means then realize calculation or processing of information according to the intended use of the computer 2000 in this embodiment, thereby constructing a specific holding device 20 according to the intended use.

[0070] Various embodiments have been described with reference to block diagrams, etc. In the block diagrams, each block may represent (1) a stage of a process where an operation is performed or (2) a portion of an apparatus responsible for performing an operation. Particular stages and portions may be implemented by dedicated circuitry, programmable circuitry provided with computer readable instructions stored on a computer readable medium, and / or a processor provided with computer readable instructions stored on a computer readable medium. The dedicated circuitry may include digital and / or analog hardware circuitry, and may include integrated circuits (ICs) and / or discrete circuits. The programmable circuitry may include reconfigurable hardware circuitry, including logical AND, logical OR, logical XOR, logical NAND, logical NOR, and other logical operations, memory elements such as flip-flops, registers, field programmable gate arrays (FPGAs), programmable logic arrays (PLAs), etc.

[0071] A computer-readable medium may include any tangible device capable of storing instructions that are executed by a suitable device, such that the computer-readable medium having instructions stored thereon constitutes at least a portion of an article of manufacture that includes instructions that can be executed to provide a means for performing the operations specified in a process or block diagram. Examples of computer-readable media may include electronic storage media, magnetic storage media, optical storage media, electromagnetic storage media, semiconductor storage media, and the like. More specific examples of computer-readable media may include floppy disks, diskettes, hard disks, random access memories (RAMs), read-only memories (ROMs), erasable programmable read-only memories (EPROMs or flash memories), electrically erasable programmable read-only memories (EEPROMs), static random access memories (SRAMs), compact disk read-only memories (CD-ROMs), digital versatile disks (DVDs), Blu-ray disks, memory sticks, integrated circuit cards, and the like.

[0072] The computer readable instructions may include either assembler instructions, instruction set architecture (ISA) instructions, machine instructions, machine-dependent instructions, microcode, firmware instructions, state setting data, or source or object code written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Smalltalk®, JAVA®, C++, etc., and conventional procedural programming languages ​​such as the “C” programming language or similar programming languages.

[0073] The computer readable instructions may be provided to a processor or programmable circuitry of a general purpose computer, special purpose computer, or other programmable data processing apparatus, either locally or over a wide area network (WAN) such as a local area network (LAN), the Internet, etc., to cause the computer readable instructions to execute means for performing operations specified in the process steps or block diagrams described. Examples of processors include computer processors, processing units, microprocessors, digital signal processors, controllers, microcontrollers, etc.

[0074] Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It is clear to those skilled in the art that various modifications or improvements can be made to the above embodiments. In addition, the matters described for a specific embodiment can be applied to other embodiments to the extent that they are not technically inconsistent. It is clear from the claims that such modified or improved forms can also be included in the technical scope of the present invention.

[0075] It should be noted that the order of execution of each process, such as operations, procedures, steps, and stages, in the devices, systems, programs, and methods shown in the claims, specifications, and drawings is not specifically stated as "before," "prior to," etc., and may be realized in any order unless the output of a previous process is used in a later process. Even if the operational flow in the claims, specifications, and drawings is explained using "first," "next," etc. for convenience, it does not mean that it is essential to perform the process in this order. [Explanation of symbols]

[0076] 20 Holding device 40 Mobile Devices 42 Contactless communication circuit 43 Battery 44 Power supply circuit 46 Display 60 Payment acceptance terminal 100 IC chips 110 RF circuit 120 processors 130 Memory 140 Power supply circuit 150 Antenna 2000 Computer 2010 Host Controller 2012 CPU 2014 RAM 2020 Input / Output Controller 2022 Communication Interface 2024 Flash Memory 2026 ROM 2040 Input / Output Chip

Claims

1. A storage device for storing payment information used for contactless electronic payment, an attachment section for attaching the holding device to a terminal having a first IC chip with a contactless electronic payment function; a second IC chip that receives payment information held in the first IC chip from the terminal by contactless communication so that the first IC chip can perform contactless electronic payment, and that holds payment information corresponding to the payment information received from the terminal; Equipped with the second IC chip executes a process for performing the contactless electronic payment by using the payment information stored in the second IC chip; The second IC chip includes: when a contactless electronic payment is made using the payment information stored in the second IC chip, storing history information indicating a payment history of the contactless electronic payment made using the payment information stored in the second IC chip, and transmitting the history information to the terminal in response to a request received from the terminal by contactless communication; When a contactless electronic payment is made by the first IC chip using the payment information stored in the first IC chip, history information indicating a payment history of the contactless electronic payment made by the first IC chip using the payment information stored in the first IC chip is received from the first IC chip, and the history information stored in the second IC chip is updated based on the history information received from the first IC chip. By this, history information indicating a payment history of a contactless electronic payment is synchronized between the first IC chip and the second IC chip. holding device.

2. A storage device for storing payment information used for contactless electronic payment, comprising: a mounting portion for mounting the holding device to a terminal; an IC chip that receives payment information used for contactless electronic payment held by the terminal from the terminal by contactless communication and holds payment information corresponding to the payment information received from the terminal; Equipped with the IC chip executes a process for performing the contactless electronic payment using the payment information stored in the IC chip; When the IC chip receives a request to read payment information from the outside by non-contact communication, it transmits a signal inquiring about the power supply state of the terminal, and when it cannot receive a response to the signal from the terminal, it transmits the payment information held in the IC chip to the outside in response to the read request. holding device.

3. A storage device for storing payment information used for contactless electronic payment, comprising: a mounting portion for mounting the holding device to a terminal; an IC chip that receives payment information used for contactless electronic payment held by the terminal from the terminal by contactless communication and holds payment information corresponding to the payment information received from the terminal; Equipped with the IC chip executes a process for performing the contactless electronic payment using the payment information stored in the IC chip; When the IC chip receives power through electromagnetic induction, it transmits a signal inquiring about the power supply state of the terminal, and when it cannot receive a response to the signal from the terminal, it transmits the payment information held in the IC chip to the outside in response to a request to read the payment information through non-contact communication. holding device.

4. A storage device for storing payment information used for contactless electronic payment, a mounting portion for mounting the holding device to a terminal; an IC chip that holds the payment information and transmits the payment information in response to a request to read the payment information by contactless communication; Equipped with When the IC chip receives the read request from outside by non-contact communication, it transmits a signal inquiring about the power supply state of the terminal, and when it cannot receive a response to the signal from the terminal, it transmits the settlement information held in the IC chip to the outside in response to the read request. holding device.

5. A storage device for storing payment information used for contactless electronic payment, comprising: a mounting portion for mounting the holding device to a terminal; an IC chip that holds the payment information and transmits the payment information in response to a request to read the payment information by contactless communication; Equipped with When the IC chip receives power through electromagnetic induction, it transmits a signal inquiring about the power supply state of the terminal, and when it cannot receive a response to the signal from the terminal, it transmits the payment information held in the IC chip to the outside in response to a request to read the payment information through non-contact communication. holding device.

6. The payment performed using the payment information stored in the second IC chip is at least one of credit card payment, prepaid payment, and debit payment. The retention device of claim 1 .

7. The payment performed using the payment information stored in the second IC chip is a prepaid payment, After a contactless prepaid payment is made using the payment information stored in the second IC chip, the second IC chip transmits remaining balance information of the prepaid payment to the terminal in response to a request received from the terminal by contactless communication. A holding device according to claim 1 or 6.

8. The second IC chip stores remaining balance information for prepaid payment, and when update information for the remaining balance information is received from the terminal by contactless communication, the remaining balance information stored in the second IC chip is updated based on the update information.

8. The retaining device of claim 7.

9. The second IC chip stores information indicating an upper limit of an amount that can be paid using the payment information stored in the second IC chip, and when the upper limit is exceeded, contactless electronic payment using the payment information stored in the second IC chip is prohibited. A retaining device according to any one of claims 1 and 6 to 8.

10. The second IC chip receives information indicating the upper limit amount from the terminal through non-contact communication.

10. The retaining device of claim 9.

11. When the second IC chip receives a request from the terminal to invalidate the payment information stored in the second IC chip, the second IC chip invalidates the payment information stored in the second IC chip. A retaining device according to any one of claims 1 and 6 to 10.

12. A program for causing a computer to function as the holding device according to any one of claims 1 to 11.

Images