Communication processing apparatus, communication processing system, communication control method, and program

Abstract

In the present invention, when a user terminal such as a smart phone having a plurality of IC card applications uses data of communication such as UWB communication different from NFC communication to carry out a payment process with a payment device such as a ticket gate or a store terminal, the user terminal selects an IC card application that is compatible with the payment device used for the payment process. The user terminal receives data from the payment device such as a ticket gate or a store terminal. The user terminal executes a process of searching, on the basis of the received data, whether or not the user terminal has a specific-communication-method-compatible IC card application that can process communication data in accordance with a specific communication method such as UWB communication. The user terminal acquires an identifier (AID) of the detected application and transmits the AID to the payment device. The payment device transmits, to the user terminal, a selection command containing the AID received from the user terminal, and the user terminal starts the IC card application in accordance with the selection command.

Description

Technical Field

[0001] The present disclosure relates to a communication processing apparatus, a communication processing system, a communication control method, and a program. More specifically, it relates to a communication processing apparatus, a communication processing system, a communication control method, and a program that enable payment processing and the like to be performed by executing communication between an IC card application installed in a user terminal such as a smartphone and a payment terminal or the like via various communication channels such as UWB communication.

Background Art

[0002] In recent years, the use of mobile terminals such as smartphones (smartphones) having a cashless payment function has been expanding. By using a mobile terminal having a cashless payment function, it is possible to easily perform payments for shopping, dining, etc., or boarding trains and buses without carrying cash.

[0003] For example, when passing through a ticket gate at a station, the user takes out a user terminal such as a smartphone placed in a pocket or bag and holds it up to a reader / writer (R / W) attached to the ticket gate, so that the user terminal and the reader / writer of the ticket gate perform proximity communication and payment processing is performed.

[0004] Currently, most communication between a user terminal such as a smartphone and a reader / writer (R / W) is performed in accordance with the NFC (Near Field Communication) standard, which is one of the short-range wireless communication standards.

[0005] Note that the NFC standard has a plurality of different sub-standards, such as Type A, Type B, and Type-F, which are further subdivided. Type-F is a communication standard used in FeliCa (registered trademark), a non-contact IC card technology method developed by Sony, and is widely used in communication between various electronic money type IC cards and user terminals such as smartphones installed with an IC card application and a reader / writer (R / W).

[0006] When performing this Type-F NFC communication, Type-F specific commands are used. By using these Type-F specific commands, even when multiple different IC card applications are installed on a user terminal such as a smartphone, it is possible to select one of the IC card applications and perform a payment.

[0007] Specifically, for example, when a user terminal with two installed applications, a transportation IC card application and a distribution IC card application, is held near the reader / writer (R / W) of a railway ticket gate, the reader / writer (R / W) of the railway ticket gate sends a Type-F specific command to the user terminal.

[0008] Based on the analysis result of this command, the user terminal selects the transportation IC card application that performs the payment process necessary for passing through the railway ticket gate, and performs communication and payment processing between the selected transportation IC card application and the reader / writer (R / W) of the railway ticket gate. In this way, by using Type-F specific commands, the selection and application process of IC card applications is realized.

[0009] However, these Type-F specific commands are standardized as commands available in NFC communication and cannot be used in other communication methods.

[0010] For example, in UWB (Ultra Wide Band) communication, which is ultra-wideband wireless communication, or in BLE (Bluetooth Low Energy) communication, which is low-power Bluetooth (registered trademark) communication, the above Type-F specific commands cannot be used.

[0011] Therefore, even if a user terminal and a payment terminal (R / W) such as a ticket gate or a store attempt to perform payment processing using UWB communication or BLE communication other than NFC communication, there is a problem that the user terminal cannot select one correct IC card application corresponding to the payment terminal from the multiple IC card applications installed on the user terminal and perform payment processing.

[0012] Since the communication range of UWB communication and BLE communication is wider than that of NFC communication, for example, it becomes possible to perform wireless communication between a user terminal and a ticket gate-side R / W at the timing when the user passes through the ticket gate without taking out the user terminal such as a smartphone placed in the user's pocket or bag. Such a payment system is called a touchless payment system.

[0013] As conventional technologies disclosed for touchless payment systems, for example, there are Patent Document 1 (International Publication WO2019 / 049623) and Patent Document 2 (U.S. Patent US8856045) and the like.

[0014] However, as described above, since the Type-F specific command for realizing one app selection from a plurality of IC card apps cannot be used with communication standards other than NFC communication, there is a problem that touchless payment applying UWB communication or BLE communication cannot be performed smoothly.

Prior Art Documents

Patent Documents

[0015]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0016] The present disclosure has been made, for example, in view of the above problems, and provides a communication processing apparatus, a communication processing system, a communication control method, and a program that enable processing such as payment by selecting an IC card app according to a payment terminal even when using communication other than NFC communication.

Means for Solving the Problems

[0017] A first aspect of the present disclosure is that based on received data from an external device, a search process is executed to determine whether the device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to the specific communication method, if, as a result of the search process, a specific communication method - compatible IC card application is detected, the search result is notified to the external device, and it has a communication control unit for causing the external device and the detected specific communication method - compatible IC card application to execute data processing involving communication according to the specific communication method.

[0018] Furthermore, a second aspect of the present disclosure is a communication processing system having a user terminal and a settlement terminal, wherein the user terminal based on received data from the settlement terminal, executes a search process to determine whether the device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to the specific communication method, if, as a result of the search process, a specific communication method - compatible IC card application is detected, the search result is transmitted to the settlement terminal, the settlement terminal after receiving the search result, transmits a data processing request designating the specific communication method - compatible IC card application as the communication partner to the user terminal, and the user terminal in response to the data processing request from the settlement terminal, is a communication processing system that executes data processing using communication data according to the specific communication method between the settlement terminal and the specific communication method - compatible IC card application.

[0019] Furthermore, a third aspect of the present disclosure is a communication control method executed in a communication processing device, wherein a communication control unit Based on the received data from the external device, execute a search process to determine whether the device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to the specific communication method. If a specific communication method - compatible IC card application is detected as a result of the search process, notify the external device of the search result. There is a communication control method for causing the external device and the detected specific communication method - compatible IC card application to execute data processing involving communication according to the specific communication method.

[0020] Furthermore, a fourth aspect of the present disclosure is a communication control method executed in a communication processing system having a user terminal and a settlement terminal, wherein the user terminal Based on the received data from the settlement terminal, execute a search process to determine whether the device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to the specific communication method. If a specific communication method - compatible IC card application is detected as a result of the search process, transmit the search result to the settlement terminal. wherein the settlement terminal After receiving the search result, transmit a data processing request designating the specific communication method - compatible IC card application as the communication partner to the user terminal. wherein the user terminal There is a communication control method for executing data processing using communication data according to the specific communication method between the settlement terminal and the specific communication method - compatible IC card application in response to the data processing request from the settlement terminal.

[0021] Furthermore, a fifth aspect of the present disclosure is a program for causing an information processing apparatus to execute information processing, in a communication control unit, Based on the received data from the external device, a search process to determine whether the device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to the specific communication method, and When a specific communication method - compatible IC card application is detected as a result of the search process, a process of notifying the external device of the search result, is in a program for causing data processing involving communication according to the specific communication method to be executed between the external device and the detected specific communication method - compatible IC card application.

[0022] Note that the program of the present disclosure can be provided, for example, in a computer - readable format by a storage medium or a communication medium to an information processing device or a computer system capable of executing various program codes. By providing such a program in a computer - readable format, processing according to the program is realized on the information processing device or the computer system.

[0023] Still other objects, features, and advantages of the present disclosure will become apparent from more detailed descriptions based on the embodiments of the present disclosure and the accompanying drawings described later. Note that in this specification, a system is a logical set configuration of a plurality of devices, and the devices of each configuration are not limited to those in the same housing.

[0024] According to the configuration of an embodiment of the present disclosure, when a user terminal such as a smartphone having a plurality of IC card applications performs settlement processing using communication data such as UWB communication other than NFC communication with a settlement device such as a ticket gate or a store terminal, a configuration for selecting an IC card application corresponding to the settlement device used by the user terminal for the settlement processing is realized. Specifically, for example, the user terminal receives data from a settlement device such as a ticket gate or a store terminal, and executes a search process to determine whether the own device has a specific communication method - compatible IC card application capable of processing communication data according to a specific communication method such as UWB communication based on the received data, acquires the identifier (AID) of the detected application, and transmits it to the settlement device. The settlement device transmits a select command storing the AID received from the user terminal to the user terminal, and the user terminal activates the IC card application according to the select command. When a user terminal such as a smartphone having a plurality of IC card apps performs settlement processing using communication data such as UWB communication other than NFC communication with a settlement device such as a ticket gate or a store terminal, the user terminal selects an IC card app corresponding to the settlement device used for the settlement processing. With this configuration, when a user terminal such as a smartphone having a plurality of IC card apps performs settlement processing using communication data such as UWB communication other than NFC communication with a settlement device such as a ticket gate or a store terminal, a configuration is realized in which the user terminal selects an IC card app corresponding to the settlement device used for the settlement processing. Note that the effects described in this specification are merely examples and are not limiting, and there may be additional effects.

Brief Description of the Drawings

[0025]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Figure 12

Figure 13

Figure 14

Figure 15

Figure 16

Figure 17

Figure 18

Figure 19

Figure 20

Figure 21

Figure 22

Figure 23

Figure 24

Figure 25

Figure 26

Figure 27

Figure 28

Figure 29

Figure 30

Figure 31

Figure 32

Figure 33

Figure 34

Figure 35

Figure 36

Figure 37

Figure 38

Figure 39

Figure 40

Figure 41

Figure 42

Mode for Carrying Out the Invention

[0026] Hereinafter, the communication processing device, communication processing system, and communication control method of the present disclosure, as well as the details of the program, will be described with reference to the drawings. The description will be made according to the following items. 1. Regarding an example of the usage configuration of an IC card application in a user terminal 2. Regarding the outline of the selection and settlement process of an IC card application applying a Type-F command in NFC communication 3. (Example 1) Regarding the configuration and processing example of the communication processing device according to Example 1 of the present disclosure 4. Regarding an example of the configuration of an application in a secure element of the communication processing device (user terminal) according to Example 1 of the present disclosure 5. Regarding the sequence of the processing executed by the communication processing device according to Example 1 of the present disclosure 6. (Example 2) Regarding the configuration and processing example of the communication processing device according to Example 2 of the present disclosure 7. Regarding the sequence of the processing executed by the communication processing device according to Example 2 8. (Example 3) Regarding the configuration and processing example of the communication processing device according to Example 3 of the present disclosure 9. Regarding an example of the configuration of the communication processing device 10. Summary of the configuration of the present disclosure

[0027] [Regarding the usage configuration example of the IC card application in the user terminal] First, the usage configuration example of the IC card application in the user terminal will be described.

[0028] These days, various IC card applications (applications) are installed and used in user terminals such as smartphones. There are various types of IC card applications, such as for example, an electronic money application, a transportation IC card application, and a distribution IC card application issued by supermarkets, etc.

[0029] Figure 1 is a diagram showing an example of an IC card application installed in the user terminal 10 of a certain user. As shown in Figure 1, a plurality of different IC card applications are installed in the user terminal 10 such as a smartphone. Figure 1 shows an example in which the following four types of IC card applications are installed. Transportation IC card A application 11A Transportation IC card B application 11B Distribution IC card P application 11P Distribution IC card Q application 11Q

[0030] These are IC card applications provided by different service providers respectively. The user brings the user terminal 10 such as a smartphone close to the reader / writer installed in the stores or ticket gates managed by each service provider to perform proximity communication. The reader / writer performs a process of deducting a predetermined fee from the charge recorded in the memory in the user terminal 10, or from a bank account or the management account of a credit card company that has been linked in advance. That is, it executes the rewriting of the charge amount, etc.

[0031] These IC card applications are installed, for example, in a Secure Element (SE) configured within the user terminal 10, record secure data such as balance information corresponding to each IC card application in a secure memory configured within the Secure Element (SE), and further execute update processing of the balance information according to payment processing or the like.

[0032] Fig. 2 shows a configuration example of a Secure Element (SE) 20 configured within the user terminal 10. As shown in Fig. 2, the Secure Element (SE) 20 has a plurality of IC card applications 11 described with reference to Fig. 1, and a secure memory 22 that records balance information and the like corresponding to each IC card application.

[0033] The example shown in Fig. 2 is an example of a secure memory 22 in which four electronic money balance recording areas corresponding to each of the four IC card applications described with reference to Fig. 1 are set. The electronic money A balance recording area 22A is a balance information recording area corresponding to the transportation system IC card A application 21A. The electronic money B balance recording area 22B is a balance information recording area corresponding to the transportation system IC card B application 21B. The electronic money P balance recording area 22P is a balance information recording area corresponding to the distribution system IC card P application 21P. The electronic money Q balance recording area 22Q is a balance information recording area corresponding to the distribution system IC card Q application 21Q.

[0034] In this way, the user terminal 10 has a secure memory 22 in which electronic money balance recording areas are set to individually record balance information corresponding to IC card applications provided by each service provider.

[0035] When the user terminal 20 such as a smartphone is brought close to a reader / writer installed in a store or a ticket gate managed by each service provider, the reader / writer executes a process of rewriting the balance information in the balance recording area corresponding to the service provider. By this process, it is possible to perform processing such as reducing a predetermined usage fee and charge processing. These processes are processed at the service provider level.

[0036] [2. Outline of Selection and Settlement Processing of IC Card Application Applying Type-F Command in NFC Communication] Next, an outline of the selection and settlement processing of the IC card application applying the Type-F command in the currently widely performed NFC communication will be described.

[0037] FIG. 3 is a block diagram showing a configuration example of a user terminal 10 such as a smartphone and a settlement terminal 50. The settlement terminal 50 is a device including, for example, a reader / writer (R / W) installed at a ticket gate of a station or a store, and performs settlement processing by executing proximity communication with a user terminal 10 such as a smartphone.

[0038] The user terminal 10 such as a smartphone and the settlement terminal 50 perform settlement processing by executing wireless communication according to the Type-F standard of the NFC (Near Field Communication) standard, which is one of the short-range wireless communication standards.

[0039] As described above, the NFC standard has a plurality of different standards such as Type A, Type B, and Type-F as subdivided lower-level standards. Type-F is a communication standard used in FeliCa (registered trademark), a contactless IC card technology system developed by Sony.

[0040] As shown in FIG. 3, the user terminal 10 includes a secure element 20 and an NFC communication unit 31. The settlement terminal 50 includes a settlement terminal controller 51 and an NFC communication unit 52.

[0041] The secure element 20 of the user terminal 10 includes a command analysis unit 32 and an IC card application group 33. The IC card application group 33 is composed of a plurality of IC card applications, and is composed of various IC card applications such as a transportation system IC card application and a distribution system IC card application as described with reference to FIGS. 1 and 2.

[0042] When the NFC communication unit 31 of the user terminal 10 and the NFC communication unit 52 of the payment terminal 50 approach each other to a predetermined distance, for example, several centimeters, wireless communication is started between the communication units. That is, wireless communication conforming to the NFC standard, which is one of the short-range wireless communication standards, is started.

[0043] First, under the control of the payment terminal controller 51 of the payment terminal 50, a polling signal is output from the NFC communication unit 52 of the payment terminal 50. This polling signal is a signal for detecting a communication terminal that is a communication partner. This polling signal includes a Type-F specific command defined in the above-described Type-F standard.

[0044] When the NFC communication unit 31 of the user terminal 10 receives a polling signal including a Type-F specific command, it inputs the received signal to the command analysis unit 32 in the secure element 20. The command analysis unit 32 in the secure element 20 analyzes the polling signal including the Type-F specific command received from the payment terminal 50.

[0045] The command analysis unit 32 analyzes the Type-F specific command included in the polling signal and generates IC card application designation information (AID: Application ID) corresponding to the type of the payment terminal. For example, when it is analyzed by the analysis of the Type-F specific command that the payment terminal 50 is a ticket gate device of railway company A, IC card application designation information (AID) of an IC card application that can be used for the payment process of railway company A is generated. According to the analysis result of the command analysis unit 32, one IC card application is selected and activated from the IC card application group 33.

[0046] After that, the selected one IC card application executes NFC communication with the payment terminal 50 via the NFC communication unit 31, and executes a series of processes required for the payment process, such as authentication processing, balance confirmation processing, usage fee deduction processing, balance update processing, etc.

[0047] FIG. 4 is a diagram showing an example of a software stack of the secure element (SE) 20. As shown in FIG. 4, the software stack of the secure element (SE) 20 has a configuration in which a hardware (HW) layer is set at the bottom layer, a secure element OS (SE-OS) layer is set as the upper layer thereof, and an application layer composed of various applications is set at the topmost layer.

[0048] The bottom-layer hardware (HW) layer includes, for example, a secure memory in the secure element and a communication unit outside the secure element, that is, the NFC communication unit 31 shown in FIG. 3.

[0049] The command analysis unit 32 of the secure element 20 shown in FIG. 3 is located between the bottom-layer hardware (HW) layer and the secure element OS (SE-OS) layer. That is, a part of the processing of the command analysis unit 32 is executed in the hardware (HW) layer, and a part is executed in the secure element OS (SE-OS) layer.

[0050] The topmost application layer is composed of various IC card applications a to n included in the IC card application group 33 shown in FIG. 3. The IC card applications a to n in the topmost application layer access a secure memory in the secure element and a communication unit outside the secure element via the secure element OS (SE-OS) layer to execute memory data update processing and communication processing with an external device.

[0051] As described above, the command analysis unit 32 receives and analyzes a polling signal including a Type-F specific command transmitted from the payment terminal 50 via the NFC communication unit 31. The command analysis unit 32 analyzes the Type-F specific command included in the polling signal to generate IC card application designation information (AID: Application ID).

[0052] The IC card application designation information (AID) generated by the command analysis unit 32 is passed to the Secure Element OS (SE-OS), and the Secure Element OS (SE-OS) selects and activates one IC card application corresponding to the IC card application designation information (AID) generated by the command analysis unit 32 from the application layer which is the top layer.

[0053] Thereafter, the selected one IC card application executes NFC communication with the payment terminal 50 via the Secure Element OS (SE-OS) and the NFC communication unit 31, and executes a series of processes required for the payment process, such as authentication process, balance confirmation process, usage fee deduction process, balance update process, etc.

[0054] As described above, Type-F is a lower-level standard of the NFC standard used in FeliCa (registered trademark), a contactless IC card technology system developed by Sony, and is widely used in the communication between various electronic money type IC cards and user terminals such as smartphones installed with IC card applications and readers / writers (R / W).

[0055] By performing this Type-F NFC communication, it becomes possible to perform IC application selection processing by analyzing a polling signal including a Type-F specific command. For example, when a user terminal installed with two IC card applications, a transportation system IC card application and a distribution system IC card application, is held near a reader / writer (R / W) at a railway ticket gate, the command analysis unit 32 shown in FIG. 3 analyzes a polling signal including a Type-F specific command transmitted from the reader / writer (R / W) of the railway ticket gate to the user terminal. Based on this analysis result, a transportation system IC card application for performing a payment process necessary for passing through the railway ticket gate is selected, and communication and payment processing can be performed between the selected transportation system IC card application and the reader / writer (R / W) of the railway ticket gate.

[0056] However, the command analysis unit 32 described with reference to FIGS. 3 and 4 can analyze communication packets conforming to the communication packet format defined in the Type-F communication standard, which is a lower-level standard of the NFC communication standard, but cannot analyze packets with different formats. That is, the command analysis unit 32 cannot analyze communication packets with a packet format different from the NFC-Type-F standard.

[0057] For example, in UWB (Ultra Wide Band) communication, which is ultra-wideband wireless communication, and BLE (Bluetooth Low Energy) communication, which is low-power Bluetooth (registered trademark) communication, communication packets with a format different from the packet format defined by the NFC Type-F communication standard are used. The command analysis unit 32 shown in FIG. 3 cannot analyze packets with such different formats.

[0058] Therefore, even if the user terminal and the payment terminal (R / W) such as a ticket gate or a store communicate using UWB communication or BLE communication other than NFC communication, it is not possible to select and process one IC card application according to the type of the payment terminal from a plurality of IC card applications installed in the user terminal.

[0059] Note that since UWB communication and BLE communication have a wider communication range than NFC communication, for example, it is possible to perform wireless communication between the user terminal and the ticket gate side R / W when the user passes through the ticket gate without taking out the user terminal such as a smartphone placed in the user's pocket or bag.

[0060] The configuration of the present disclosure enables selecting and processing one IC card application from a plurality of IC card applications installed in the user terminal even when using UWB communication or BLE communication other than NFC communication. Hereinafter, the configuration and processing of the present disclosure will be described.

[0061] [3. (Example 1) Configuration and Processing Example of the Communication Processing Device of Example 1 of the Present Disclosure] Next, the configuration and processing example of the communication processing device of Example 1 of the present disclosure will be described.

[0062] FIG. 5 is a block diagram showing a configuration example of a user terminal 100 which is a communication processing device of Example 1 of the present disclosure and a settlement terminal 200 that communicates with the user terminal 100.

[0063] The settlement terminal 200 is a device including a reader / writer (R / W) installed at, for example, a ticket gate of a station or a store, and performs settlement processing by executing proximity communication with a user terminal 100 such as a smartphone.

[0064] The user terminal 100 such as a smartphone and the settlement terminal 200 each have three different communication units. That is, the user terminal 100 shown in FIG. 5 has an NFC communication unit 111, a UWB communication unit 112, and a BLE communication unit 113. Similarly, the settlement terminal 200 also has an NFC communication unit 211, a UWB communication unit 212, and a BLE communication unit 213.

[0065] Between the NFC communication unit 111 of the user terminal 100 and the NFC communication unit 211 of the settlement terminal 200, wireless communication is executed in accordance with the Type-F standard of the NFC (Near Field Communication) standard, which is one of the short-range wireless communication standards, as described with reference to FIG. 3.

[0066] Between the UWB communication unit 112 of the user terminal 100 and the UWB communication unit 212 of the settlement terminal 200, UWB (Ultra Wide Band) communication, which is ultra-wideband wireless communication, is executed.

[0067] UWB communication is a communication standard defined in IEEE802.15.4z, and the allowable communication distance is about 10 m. Further, the UWB communication standard has a regulation on a "secure ranging" method for analyzing the device position while maintaining security. "Secure ranging" is a technology that enables secure measurement of the distance and angle between communication devices by transmitting and receiving encrypted data using a common key.

[0068] When the user terminal 100 approaches within the UWB communication range (about 10 m), the payment terminal 200 detects the user terminal 100 by UWB communication, starts secure ranging of the user terminal 100, and then continuously analyzes the position of the user terminal 100. The specific processing sequence will be described later.

[0069] BLE (Bluetooth Low Energy) communication, which is a low-power Bluetooth (registered trademark) communication, is performed between the BLE communication unit 113 of the user terminal 100 and the BLE communication unit 213 of the payment terminal 200.

[0070] The communication range of BLE communication varies slightly depending on the class, but is approximately about 10 m. BLE communication is a suitable communication means for device detection, communication connection establishment, and data communication within a range of several tens of meters. In the BLE communication standard, an ADV_IND packet (General Advertising Indication packet) is defined as a broadcast packet for device detection.

[0071] When the user terminal 100 approaches within the BLE communication range (several tens of meters), the payment terminal 200 can detect the user terminal 100 by BLE communication and establish BLE communication with the user terminal 100.

[0072] As shown in FIG. 5, the user terminal 100 includes an NFC communication unit 111, a UWB communication unit 112, a BLE communication unit 113, in addition to these three communication units, a user terminal controller (DH: Device Host) 101, and a secure element 120. The payment terminal 200 includes an NFC communication unit 211, a UWB communication unit 212, a BLE communication unit 213, in addition to these three communication units, and a payment terminal controller 201.

[0073] The secure element 120 of the user terminal 100 includes an IC card application group 121 composed of a plurality of IC card applications, a command analysis unit 122, and a UWB communication data analysis application (in-SE communication control unit) 123. The IC card application group 121 includes various IC card applications such as a transportation IC card application and a distribution IC card application as described with reference to FIGS. 1 and 2.

[0074] The NFC communication executed between the NFC communication unit 111 of the user terminal 100 and the NFC communication unit 211 of the payment terminal 200 is the same as the process described above with reference to FIG. 3. That is, when the NFC communication unit 111 of the user terminal 100 and the NFC communication unit 211 of the payment terminal 200 approach each other to a predetermined distance, for example, within several centimeters, wireless communication according to the NFC standard is started.

[0075] The user terminal 100 and the payment terminal 200 shown in FIG. 5 have a BLE communication unit and a UWB communication unit other than the NFC communication unit. When the distance between the user terminal 100 and the payment terminal 200 is within several meters to several tens of meters, communication via these communication units becomes possible.

[0076] The user terminal 100 uses UWB communication to realize the same process as the IC card application selection process using the Type-F specific command used in the NFC communication described with reference to FIG. 3. The UWB communication data analysis application (in-SE communication control unit) 123 in the secure element 120 of the user terminal 100 shown in FIG. 5 analyzes the UWB communication data transmitted from the payment terminal 200 and executes the selection process of the IC card application.

[0077] FIG. 6 is a diagram showing an example of the software stack of the secure element (SE) 120 of the user terminal 100 shown in FIG. 5. As shown in FIG. 6, the software stack of the secure element (SE) 120 has a configuration in which a hardware (HW) layer is at the bottom layer, a secure element OS (SE-OS) layer is above it, and an application layer composed of various applications is at the top layer.

[0078] The bottom-layer hardware (HW) layer includes, for example, a secure memory within the secure element and a communication unit outside the secure element, that is, the NFC communication unit 111 and the UWB communication unit 112 shown in FIG. 5.

[0079] The command analysis unit 122 of the secure element 120 shown in FIG. 5 is located between the bottom-layer hardware (HW) layer and the secure element OS (SE-OS) layer. That is, part of the processing of the command analysis unit 122 is executed in the hardware (HW) layer, and part is executed in the secure element OS (SE-OS) layer.

[0080] The top-layer application layer includes various IC card applications a to n included in the IC card application group 121 shown in FIG. 5 and a UWB communication data analysis application (in-SE communication control unit) 123. The IC card applications a to n and the UWB communication data analysis application (in-SE communication control unit) 123 in the top-layer application layer access the secure memory within the secure element and the communication unit outside the secure element via the secure element OS (SE-OS) layer to execute memory data update processing and communication processing with external devices.

[0081] The command analysis unit 122 of the secure element 120 shown in FIG. 5 analyzes a polling signal including a Type-F specific command received from the payment terminal 200 via the NFC communication unit 111, extracts the IC card application designation information of the Type-F specific command, and selects and activates one IC card application from a plurality of IC card applications stored in the secure element 120. This process is the same as the conventional configuration shown in FIG. 3.

[0082] The user terminal 100 shown in FIG. 5 further has a UWB communication data analysis application (in-SE communication control unit) 123 of the secure element 120 analyze the UWB communication data transmitted from the payment terminal 200 and execute the selection process of the IC card application. By performing this process, it becomes possible to perform a payment process by UWB communication before NFC communication can be started.

[0083] The outline of the communication sequence executed between the user terminal 100 and the payment terminal 200 shown in FIG. 5 will be described.

[0084] Note that the payment terminal controller 201 of the payment terminal 200 controls the communication of each communication unit of the NFC communication unit 211, UWB communication unit 212, and BLE communication unit 213 of the payment terminal 200. The payment terminal controller 201 first broadcasts an Advertise packet, which is a user terminal detection and BLE communication connection establishment request packet, from the BLE communication unit 213. In the BLE communication standard, an ADV_IND packet (General Advertising Indication packet) is defined as a broadcast packet for device detection.

[0085] When the user terminal 100 that has entered the BLE communication available area receives the Advertise packet transmitted by the payment terminal 200, it transmits a response packet including the user terminal identifier to the payment terminal 200. The payment terminal 200 detects the user terminal 100 by acquiring the user terminal identifier from the response packet transmitted by the user terminal 100.

[0086] When the user terminal is detected, the payment terminal 200 then starts the position identification process of the user terminal 100. The payment terminal controller 201 of the payment terminal 200 uses UWB (Ultra Wide Band) communication to perform the position identification process of the user terminal 100.

[0087] As described above, UWB communication defines a "secure ranging" method for analyzing the device position while maintaining security. "Secure ranging" is a technology that enables secure measurement of the distance and angle between communication devices by transmitting and receiving encrypted data using a common key.

[0088] When the settlement terminal 200 detects the user terminal via BLE communication, it outputs a UWB communication signal for identifying the position of the detected user terminal 100, establishes communication between the UWB communication unit 212 of the settlement terminal 200 and the UWB communication unit 112 of the user terminal 100, and continuously executes the position identification process of the user terminal 100.

[0089] Note that the UWB communication unit 212 of the settlement terminal 200 performs data analysis of ToA (Time of Arrival) and AoA (Angle of Arrival) in secure ranging by UWB communication. ToA (Time of Arrival) corresponds to the transmission and reception time of the UWB signal, and the settlement terminal controller 201 of the settlement terminal 200 analyzes the distance from the settlement terminal 200 to the user terminal 100 based on this time.

[0090] AoA (Angle of Arrival) is the angle information at which the transmission signal of the user terminal 100 enters the settlement terminal 200. The settlement terminal controller 201 of the settlement terminal 200 analyzes the direction of the user terminal 100 based on this angle. The settlement terminal controller 201 of the settlement terminal 200 identifies the position of the user terminal 100 by analyzing these ToA and AoA.

[0091] Note that the settlement terminal controller 201 of the settlement terminal 200 continuously executes the user terminal position identification process after detecting the user terminal 100 until the settlement process starts or ends, for example, until passing through the ticket gate where the settlement terminal 200 is installed.

[0092] The payment terminal controller 201 of the payment terminal 200 executes selection of an IC card application by UWB communication and communication with the IC card application in parallel with execution of secure ranging by UWB communication to perform payment processing and the like.

[0093] An outline of the sequence of selection of an IC card application by UWB communication and communication processing with the IC card application will be described. The payment terminal 200 first starts UWB communication with the UWB communication data analysis application (in-SE communication control unit) 123 of the secure memory 120 of the user terminal 100.

[0094] When the UWB communication with the UWB communication data analysis application (in-SE communication control unit) 123 is successful, thereafter, the payment terminal 200 transmits an inquiry packet of designation information (AID: application ID) of an IC card application to be used for payment processing to the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 100.

[0095] The UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 100 generates a response packet storing the designation information (AID) of the IC card application that can be used for payment processing with the payment terminal 200 in response to the inquiry packet received from the payment terminal 200 and transmits it to the payment terminal 200.

[0096] Next, the payment terminal 200 transmits an IC card application selection command (SELECT command) packet storing the designation information (AID) of the IC card application received from the user terminal to the user terminal 100 by UWB communication.

[0097] When the UWB communication unit 112 of the user terminal 100 receives the IC card application selection command (SELECT command) packet transmitted from the payment terminal 200, it passes the received packet to the secure element (SE-OS) 120.

[0098] The Secure Element (SE-OS) 120 recognizes the SELECT command in the packet and obtains the Application ID (AID) of the application targeted for communication stored in the packet. The Secure Element (SE-OS) 120 selects and activates one application corresponding to the Application ID (AID) obtained from the SELECT command, that is, the IC card application compatible with UWB communication.

[0099] After that, the selected one IC card application performs UWB communication with the payment terminal 200 via the Secure Element OS (SE-OS) and the UWB communication unit 112, and executes a series of processes required for the payment process, such as authentication process, balance confirmation process, usage fee deduction process, balance update process, etc.

[0100] The UWB communication data analysis application (in-SE communication control unit) 123 set in the user terminal 100 of the present disclosure is, as shown in FIG. 6, one application in the application layer, and there is no need to change the hardware or the Secure Element OS (SE-OS). For example, it has the merit that it can be installed on an existing smartphone owned by the user at any time. That is, similar to the IC card application in the topmost application layer shown in FIG. 6, the user can freely install and uninstall it.

[0101] As described above, the UWB communication has a communication range of about 10 m, and different from the NFC communication with a communication range of several cm, communication is possible even if the user terminal 100 and the payment terminal 200 are not in close proximity.

[0102] Therefore, by installing the UWB communication data analysis application (in-SE communication control unit) 123 on the user's smartphone (user terminal 100), the smartphone placed in the user's bag can perform a payment process by UWB communication with the payment terminal provided at the ticket gate at a position several meters away from the ticket gate, and the user can pass through the ticket gate after performing the payment process without taking out the user terminal such as the smartphone placed in the bag.

[0103] Also, the same applies to the case of settlement using a settlement terminal in a store or the like. The user can complete the settlement process while passing by near the store's settlement terminal without holding a user terminal such as a smartphone over the store's settlement terminal.

[0104] [4. Configuration example of an app in the secure element of the communication processing apparatus (user terminal) according to Embodiment 1 of the present disclosure] Next, a configuration example of an app in the secure element of the communication processing apparatus (user terminal) according to Embodiment 1 of the present disclosure will be described.

[0105] FIG. 7 is a diagram for explaining an example of an IC card app in the IC card app group 121 of the secure element 120 of the user terminal 100 shown in FIG. 5 and the attribute information set for each IC card app. Note that the IC card apps shown in FIG. 7 are merely examples, and the IC card apps stored in each user terminal have different settings.

[0106] FIG. 7 shows an example in which the following IC card apps are stored in the IC card app group 121. (A) IC card app corresponding to transportation operator A (service ID = 1) (a1) Card 1 (a2) Card 2 (B) IC card app corresponding to distribution operator B (service ID = 2) (b1) Card 3 (C) IC card app corresponding to e-money operator C (service ID = 3) (c1) Card 4 (c2) Card 5 (D) IC card app corresponding to transportation operator D (service ID = 4) (d1) Card 6 (d2) Card 7 (d3) Card 8

[0107] As IC card apps in the IC card app group 121 of the secure element 120 of the user terminal 100 shown in FIG. 5, these 8 IC card apps (cards 1 to 8) are stored (installed).

[0108] For each of the IC card apps, the following information is recorded as the attribute information of each IC card app. (Attribute information 1) Service ID (Attribute information 2) AID (Application ID) (Attribute information 3) UWB communication support availability information

[0109] (Attribute information 1) The service ID is an identifier of the service that can be received using the IC card app. For example, for the "IC card app corresponding to transportation operator A", transportation services such as railways and buses managed by transportation operator A can be received, and the service ID of this service is service ID = 1. As shown in FIG. 7, the same service ID is set for the two types of card apps of the "IC card app corresponding to transportation operator A", namely, (a1) card 1 and (a2) card 2.

[0110] (Attribute information 2) The AID (Application ID) is an identifier indicating the application type of the IC card app. For the two types of card apps of the "IC card app corresponding to transportation operator A" shown in FIG. 7, (a1) card 1 and (a2) card 2, different AIDs (Application IDs) are set respectively. These two card apps, (a1) card 1 and (a2) card 2, have the same available services, but it means that different processing programs are set as applications.

[0111] Specifically, (a1) card 1 is a card app that cannot process UWB communication data, and (a2) card 2 is a card app that can process UWB communication data. This information on whether UWB communication data can be processed is (Attribute information 3) UWB communication support availability information It is recorded as.

[0112] (a1) Card 1 indicates that it is a card application that does not support UWB and cannot process UWB communication data. On the other hand, (a2) Card 2 indicates that it supports UWN and is a card application that can process communication UWB communication data.

[0113] Thus, the following information is recorded as attribute information for each IC card application. (Attribute Information 1) Service ID (Attribute Information 2) AID (Application ID) (Attribute Information 3) UWB communication support availability information

[0114] At least a part of the attribute information of this IC card application is recorded in the memory within the user terminal 100 as the "IC card application attribute information registration table". An example of the "IC card application attribute information registration table" is shown in FIG. 8. The example of the "IC card application attribute information registration table" shown in FIG. 8 is the "UWB-supported application registration data", which is a table registering the correspondence data between the service ID of the IC card application with UWB support = yes and the application ID (AID).

[0115] For example, the "UWB-supported application registration data" as shown in FIG. 8 is recorded in the memory within the user terminal 100. The UWB communication data analysis application (in-SE communication control unit) 123 of the secure element (SE-OS) 120 of the user terminal 100 refers to, for example, the "UWB-supported application registration data" as shown in FIG. 8 recorded in the memory, acquires the application ID (AID) of the IC card application capable of UWB communication, and performs processes such as notifying the payment terminal 200.

[0116] Note that the UWB communication data analysis application (in-SE communication control unit) 123 is also an application stored in the secure element (SE) 120, similar to the IC card application, and has an application ID (AID), similar to the IC card application. Fig. 9 shows an example of setting the application ID (AID) of the UWB communication data analysis application (in-SE communication control unit) 123. As shown in Fig. 9, for the UWB communication data analysis application (in-SE communication control unit) 123, AID = Cnt For example, such an application ID (AID) is set.

[0117] [5. Sequence of processes executed by the communication processing apparatus according to Embodiment 1 of the present disclosure] Next, the sequence of processes executed by the communication processing apparatus according to Embodiment 1 of the present disclosure will be described.

[0118] The following sequence of processes will be sequentially described. (1) Registration process sequence of the UWB-compatible IC card application for the user terminal by the user (2) Notification process sequence of the UWB-compatible IC card application from the user terminal to the payment terminal (3) Settlement process sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the payment terminal

[0119] (5-(1) Registration process sequence of the UWB-compatible IC card application for the user terminal by the user) First, the registration process sequence of the UWB-compatible IC card application for the user terminal by the user in (1) will be described.

[0120] This process is to record one IC card application in the IC card application group 121 in the secure element (SE) 120 in the table described with reference to Fig. 8 above, that is, the "UWB-compatible application registration data" table, so that it can be used as a settlement-enabled IC card application by UWB communication.

[0121] Note that the attribute information recording process for the IC card application with respect to the "UWB-Compatible Application Registration Data" may be configured to be executed by the UWB communication data analysis application (in-SE communication control unit) 123 itself, or may be configured to be executed in accordance with the sequence described with reference to FIG. 10 in response to a user request.

[0122] FIG. 10 is a sequence diagram for explaining the registration process sequence of the UWB-compatible IC card application for the user terminal by the user.

[0123] FIG. 10 shows the user 150 on the left end and the user terminal 100 on the right side. As components of the user terminal 100, from the left, user terminal controller (in-DH communication control unit) 101, UWB communication data analysis application (in-SE communication control unit) 123, IC card 1 application (AID = 11) 121a, IC card 2 application (AID = 12) 121b, IC card 3 application (AID = 21) 121c, are shown.

[0124] The details of each process of steps S101 to S104 shown in FIG. 10 will be sequentially described. (Steps S101 to S102) First, in step S101, the user 150 inputs the designation information of a specific card application to be registered as the UWB-compatible IC card application. Note that this process is executed, for example, when the user registers a newly installed IC card application on the user terminal as the UWB-compatible IC card application.

[0125] The user displays the information of the newly installed IC card application on the display unit of the user terminal 100 and inputs a registration request to register the displayed IC card application as the "UWB-compatible IC card application" in the user terminal 100. Tap an icon with a display such as "Registered as a UWB-compatible IC card application".

[0126] By this tap process, the attribute information of the IC card application being displayed on the display unit of the user terminal 100 is read from the IC card application, and in step S102, it is input to the UWB communication data analysis application (communication control unit within SE) 123 via the user terminal controller (communication control unit within DH) 101.

[0127] Here, as an example, it is assumed that the IC card 2 application (AID = 12) 121b with the application identifier (AID) = 12 is specified as the registration target.

[0128] (Step S103) Next, the UWB communication data analysis application (communication control unit within SE) 123 executes the existence confirmation of the IC card 2 application (AID = 12) specified by the user in step S103.

[0129] In step S103, the UWB communication data analysis application (communication control unit within SE) 123 refers to the IC card application group 121 of the secure element (SE) 120 and checks whether the IC card 2 application (AID = 12) exists.

[0130] If the existence of the IC card 2 application (AID = 12) is confirmed, the process proceeds to step S104. On the other hand, if the existence of the IC card 2 application (AID = 12) is not confirmed, without proceeding to step S104, an error message is output to the display unit of the user terminal 100 and the process ends.

[0131] (Step S104) If the existence of the IC card 2 application (AID = 12) for which a registration request has been made as a UWB communication applicable card from the user is confirmed, the process proceeds to step S104.

[0132] In this case, the UWB communication data analysis application (in-SE communication control unit) 123 registers the IC card 2 application (AID = 12) in the table described with reference to FIG. 8 above, that is, the "UWB-compatible application registration data" table, in step S104.

[0133] By this table registration process, the IC card 2 application (AID = 12) will be activated as an IC card application capable of settlement processing by UWB communication.

[0134] (5-(2) Notification processing sequence of UWB-compatible IC card application from user terminal to payment terminal) Next, the notification processing sequence of the UWB-compatible IC card application from the (2) user terminal to the payment terminal will be described.

[0135] With reference to FIGS. 11 to 13, the notification processing sequence of the UWB-compatible IC card application from the user terminal to the payment terminal will be described.

[0136] In FIGS. 11 to 13, the payment terminal 200 is shown on the left end and the user terminal 100 is shown on the right side. As components of the payment terminal 200, from left to right, payment terminal controller 201, UWB communication unit 212, BLE communication unit 213, These components are shown.

[0137] On the other hand, as components of the user terminal 100, from left to right, BLE communication unit 113, UWB communication unit 112, secure element (SE-OS) 120, IC card 2 application (AID = 12) 121b, UWB communication data analysis application (in-SE communication control unit) 123, user terminal controller (DH-in communication control unit) 101, These are shown.

[0138] The details of the processing below step S201 shown in FIGS. 11 to 13 will be sequentially described. (Step S201) First, in step S201, the settlement terminal controller 201 of the settlement terminal 200 broadcasts an Advertise packet, which is a user terminal detection and BLE communication connection establishment request packet, from the BLE communication unit 213.

[0139] As described above, in the BLE communication standard, an ADV_IND packet (General Advertising Indication packet) is defined as a broadcast packet for device detection. In step S201, the settlement terminal 200 broadcasts an Advertise packet from the BLE communication unit 213.

[0140] (Step S202) When the user terminal 100 that has entered the BLE communication available area (for example, several tens of meters) receives the Advertise packet transmitted by the settlement terminal 200, in step S202, it transmits a response packet including the user terminal identifier to the settlement terminal 200. The settlement terminal 200 detects the user terminal 100 by acquiring the user terminal identifier from the response packet transmitted by the user terminal 100.

[0141] When the user terminal is detected, the settlement terminal 200 then performs a process of acquiring user terminal position analysis data from the user terminal 100 in order to start the position identification process of the user terminal 100.

[0142] As described above, the settlement terminal controller 201 of the settlement terminal 200 uses UWB (Ultra Wide Band) communication to perform the position identification process of the user terminal 100.

[0143] (Steps S203 to S205) Next, in step S203, the payment terminal controller 201 of the payment terminal 200 starts user terminal position identification processing that applies UWB communication with the UWB communication unit 112 of the user terminal 100 via the UWB communication unit 212.

[0144] As described above, UWB communication defines a "secure ranging" method for analyzing device positions while maintaining security. "Secure ranging" is a technology that enables secure measurement of the distance and angle between communication devices by transmitting and receiving encrypted data using a common key.

[0145] When the payment terminal 200 detects the user terminal by BLE communication in steps S201 to S202, in step S203, it outputs a UWB communication signal for identifying the position of the detected user terminal 100, establishes communication between the UWB communication unit 212 of the payment terminal 200 and the UWB communication unit 112 of the user terminal 100, starts the position identification process of the user terminal 100, and then continuously executes the user terminal position identification process.

[0146] As described above, the UWB communication unit 212 of the payment terminal 200 performs data analysis of ToA (Time of Arrival) and AoA (Angle of Arrival) in secure ranging by UWB communication. ToA (Time of Arrival) corresponds to the transmission and reception time of the UWB signal, and the payment terminal controller 201 of the payment terminal 200 analyzes the distance from the payment terminal 200 to the user terminal 100 based on this time.

[0147] AoA (Angle of Arrival) is the angle information at which the transmission signal of the user terminal 100 enters the payment terminal 200. The payment terminal controller 201 of the payment terminal 200 analyzes the direction of the user terminal 100 based on this angle. The payment terminal controller 201 of the payment terminal 200 identifies the position of the user terminal 100 by analyzing these ToA and AoA.

[0148] Note that after detecting the user terminal 100, the payment terminal controller 201 of the payment terminal 200 continues to execute the user terminal position identification process until the payment process starts or ends, for example, until passing through the ticket gate where the payment terminal 200 is installed.

[0149] While executing secure ranging by UWB communication, the payment terminal controller 201 of the payment terminal 200 selects an IC card application by UWB communication and communicates with the IC card application to perform payment processing and the like.

[0150] (Step S211) Next, the process of step S211 shown in FIG. 12 will be described. In step S211, the payment terminal controller 201 of the payment terminal 200 outputs a communication request packet to the UWB communication data analysis application (SE internal communication control unit) 123 of the user terminal 100 by UWB communication via the UWB communication unit 212.

[0151] This communication request packet is a UWB communication packet storing a SELECT command recording the application ID (AID = Cnt) of the UWB communication data analysis application (SE internal communication control unit) 123. Note that the SELECT command is a command defined in ISO7816-4, which stores the application ID (AID) of the communication request target application in the packet and requests the specified application as the communication partner.

[0152] (Step S212) When the UWB communication unit 112 of the user terminal 100 receives the SELECT command packet transmitted from the payment terminal 200 in step S211, it passes the received packet to the secure element (SE-OS) 120.

[0153] The secure element (SE-OS) 120 recognizes the SELECT command in the packet and acquires the application ID (AID = Cnt) of the communication request target application stored in the packet. This AID is the application ID (AID = Cnt) of the UWB communication data analysis application (in-SE communication control unit) 123. The secure element (SE-OS) 120 selects and activates the application corresponding to this AID = Cnt, that is, the UWB communication data analysis application (in-SE communication control unit) 123.

[0154] (Step S213) In step S212, the UWB communication data analysis application (in-SE communication control unit) 123 activated by the application selection and activation process by the secure element (SE-OS) 120 outputs an activation response indicating that it has been activated to the secure element (SE-OS) 120 in step S213.

[0155] (Step S214) The secure element (SE-OS) 120 that has received the activation response from the UWB communication data analysis application (in-SE communication control unit) 123 notifies the payment terminal 200 via the UWB communication unit 112 in step S214 that the activation process of the UWB communication data analysis application (in-SE communication control unit) 123 has been successful.

[0156] This notification data is input to the payment terminal controller 201 via the UWB communication unit 212 of the payment terminal 200, and the payment terminal controller 201 confirms that UWB communication with the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 100 has become possible.

[0157] (Step S221) When the payment terminal controller 201 confirms that UWB communication with the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 100 has become possible, the payment terminal controller 201 performs the following processing in step S221.

[0158] The payment terminal controller 201 transmits an inquiry command for the IC card application ID (AID) to the user terminal 100 via the UWB communication unit 212. That is, a command is transmitted to inquire about an Application ID (AID) that can execute a settlement process corresponding to the service provided by the settlement terminal 200 (service ID = 1) via UWB communication.

[0159] Note that this AID inquiry command for the IC card application is transmitted using an APDU (Application Protocol Data Unit) defined as a packet frame available for UWB communication. An APDU has a packet frame configuration defined in ISO7816-4 and is a packet frame configuration available for UWB communication.

[0160] (Step S222) In step S222, the UWB communication unit 112 of the user terminal 100 receives the AID inquiry command for the IC card application transmitted by the settlement terminal 200, and inputs the received command to the UWB communication data analysis application (in-SE communication control unit) 123 via the secure element OS (SE-OS) 120.

[0161] The secure element OS (SE-OS) 120 inputs the AID inquiry command for the IC card application to the UWB communication data analysis application (in-SE communication control unit) 123 that has been activated according to the application ID (AID = Cnt) in the SELECT command received from the settlement terminal 200 in step S211.

[0162] (Step S223) The UWB communication data analysis application (in-SE communication control unit) 123 that has received the AID inquiry command for the IC card application transmitted by the settlement terminal 200 executes the following processes in step S223.

[0163] The UWB communication data analysis application (in-SE communication control unit) 123 searches for an IC card application that can execute the service provided by the settlement terminal 200 (service ID = 1) via UWB communication, and acquires the application ID (AID = 12) of the searched application. For example, referring to the UWB-compatible application registration data described above with reference to FIG. 8, search for the application ID (AID) of the IC card application that can execute the service (service ID = 1) provided by the payment terminal 200 by UWB communication.

[0164] In the example shown in FIG. 8, the application ID (AID) of the IC card application that can execute the service ID = 1 by UWB communication is AID = 12, and the UWB communication data analysis application (in-SE communication control unit) 123 acquires this application ID (AID = 12).

[0165] (Step S224) Next, in step S224, the UWB communication data analysis application (in-SE communication control unit) 123 generates a response packet storing the application ID (AID = 12) acquired in step S223 and transmits it to the payment terminal 200. The response packet is transmitted from the UWB communication data analysis application (in-SE communication control unit) 123 via the secure element OS (SE-OS) 120 and the UWB communication unit 112, and is received by the UWB communication unit 212 of the payment terminal 200 and input to the payment terminal controller 201.

[0166] An example of the data configuration of the response packet generated by the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 100 in response to the IC card application ID (AID) inquiry command from the payment terminal 200 is shown in FIG. 14.

[0167] As shown in FIG. 14, the response packet is configured as a packet storing, for example, the following data. (Data D1) Presence / absence of an IC card application capable of executing the process corresponding to the service (service ID = 1) provided by the payment terminal 200 (present = 1, absent = 0) (Data D2) Presence / absence of an IC card application capable of executing the service (service ID = 1) provided by the payment terminal 200 by UWB communication (present = 1, absent = 0) (Data D3) App ID (AID = 12) of an IC card app that can execute the service provided by the payment terminal 200 (Service ID = 1) via UWB communication (Data D4) Balance corresponding to the service provided by the payment terminal 200 (Service ID = 1) (optional) (Data D5) IC card unique identifier (IDm) associated with an IC card app that can execute the service provided by the payment terminal 200 (Service ID = 1) via UWB communication (optional)

[0168] (Data D1) is data indicating the presence or absence of an IC card app that can execute processing corresponding to the service provided by the payment terminal 200 (Service ID = 1), not limited to UWB communication, and sets one of the values: present = 1, absent = 0. (Data D2) is data indicating the presence or absence of an IC card app that can execute the service provided by the payment terminal 200 (Service ID = 1) via UWB communication, and sets one of the values: present = 1, absent = 0.

[0169] (Data D3) records the app ID of an IC card app that can execute the service provided by the payment terminal 200 (Service ID = 1) via UWB communication. In this example, the app ID (AID = 12) is recorded.

[0170] (Data D4) and (Data D5) are optional data and are not essential. (Data D4) is the balance corresponding to the service provided by the payment terminal 200 (Service ID = 1). (Data D5) is the IC card unique identifier (IDm) associated with an IC card app that can execute the service provided by the payment terminal 200 (Service ID = 1) via UWB communication.

[0171] Note that the IC card unique identifier (IDm) is the unique identifier of the IC card app installed on the user terminal 100, and even for the same type of app, it is a different identifier for each app installed on the user terminal. On the other hand, the Application ID (AID) is an ID set according to the type of application. When the user terminals 100 are different but the applications are of the same type, the same ID (AID) is set.

[0172] (Data D4)'s balance information, that is, the balance corresponding to the service provided by the payment terminal 200 (Service ID = 1), is recorded in the secure memory within the secure element (SE) 200. The UWB communication data analysis application (in-SE communication control unit) 123 reads the balance from the secure memory and records it in the response packet. (Data D5)'s IC card unique identifier (IDm), that is, the IC card unique identifier (IDm) associated with the IC card application capable of executing the service provided by the payment terminal 200 (Service ID = 1) via UWB communication, is such that the UWB communication data analysis application (in-SE communication control unit) 123 reads the attribute information of the IC card application with AID = 12 within the IC card application group 121 of the secure memory 200 and records it in the response packet.

[0173] The data example of the response packet shown in FIG. 14 is an example of the response packet when the user terminal 100 has an IC card application capable of executing the service provided by the payment terminal 200 (Service ID = 1) via UWB communication.

[0174] The response packet when the user terminal 100 does not have an IC card application capable of executing the service provided by the payment terminal 200 (Service ID = 1) via UWB communication has a different data configuration. With reference to FIGS. 15 and 16, a data configuration example of the response packet when the user terminal 100 does not have an IC card application capable of executing the service provided by the payment terminal 200 (Service ID = 1) via UWB communication will be described.

[0175] FIG. 15 is a data configuration example of the response packet when there is no IC card application capable of executing the service provided by the payment terminal 200 (Service ID = 1), not only for UWB communication. FIG. 16 is an example of the data configuration of a response packet when there is no IC card application capable of executing the service provided by the settlement terminal 200 (service ID = 1) in UWB communication, but there is an IC card application executable in other communications, such as NFC communication.

[0176] The packet example shown in FIG. 15 has (data D1) = 0, indicating that there is no IC card application capable of executing the service provided by the settlement terminal 200 (service ID = 1), not limited to UWB communication. In this packet, 0 is set for all of data D1 to D5.

[0177] On the other hand, the packet example shown in FIG. 16 has (data D1) = 1 and (data D2) = 0, indicating that there is no IC card application capable of executing the service provided by the settlement terminal 200 (service ID = 1) in UWB communication, but there is an IC card application executable in other communications, such as NFC communication. In this case, no AID or IDm is recorded in (data D3), which is the AID setting part of the UWB communication-compatible IC card application, and (data D5), which is the IC card unique identifier (IDm) setting part.

[0178] (Data D4) also records [0] in the balance corresponding to the service provided by the settlement terminal 200 (service ID = 1). Alternatively, for example, the balance of the NFC-compatible IC card application may be recorded.

[0179] In this way, the UWB communication data analysis application (in-SE communication control unit) 123 generates a response packet storing the application ID (AID = 12) acquired in step S223 in step S224 and transmits it to the settlement terminal 200. When the user terminal 100 has an IC card application capable of executing the service provided by the settlement terminal 200 (service ID = 1) in UWB communication, it generates a response packet as shown in FIG. 14, and when it does not, it generates a response packet as shown in FIGS. 15 and 16 and transmits it to the settlement terminal 200.

[0180] (Step S225) In step S225, the payment terminal controller 201 of the payment terminal 200 that has received the response packet from the user terminal 100 executes the analysis process of the received response packet. Specifically, it executes a process of obtaining the application ID (AID = 12) of the IC card application that can execute service ID = 1 by UWB communication. If balance information is recorded in the response packet, balance confirmation processing and the like are also executed.

[0181] (5-(3) Payment processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the payment terminal) Next, the payment processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the payment terminal will be described.

[0182] With reference to FIGS. 17 to 18, the payment processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the payment terminal will be described.

[0183] In FIGS. 17 to 18, the payment terminal 200 is shown on the left end and the user terminal 100 is shown on the right side. As components of the payment terminal 200, from left to right, the payment terminal controller 201, the UWB communication unit 212, the BLE communication unit 213, are shown for each of these components.

[0184] On the other hand, as components of the user terminal 100, from left to right, the BLE communication unit 113, the UWB communication unit 112, the secure element (SE-OS) 120, the IC card 2 application (AID = 12) 121b, the UWB communication data analysis application (intra-SE communication control unit) 123, the user terminal controller (intra-DH communication control unit) 101, are shown for these.

[0185] The details of the processing after step S231 shown in FIGS. 17 to 18 will be sequentially described. Note that at the start of step S231, the settlement terminal 200 and the user terminal 100 have established a UWB communication session, and the settlement terminal 200 is continuing the user terminal position confirmation process that applies UWB communication.

[0186] (Step S231) First, in step S231, the settlement terminal controller 201 of the settlement terminal 200 refers to the user terminal position confirmation result by UWB communication to check whether the user terminal 100 has entered within a predefined distance, for example, within the ticket gate. If it is confirmed, the processing (settlement processing) from step S232 onward is started.

[0187] (Step S232) When it is confirmed that the user terminal 100 has entered within a predefined distance, for example, within the ticket gate, first, the settlement terminal controller 201 of the settlement terminal 200, in step S232, sends a communication request for an IC card application capable of executing service ID = 1 by UWB communication to the user terminal 100 via the UWB communication unit 212. Specifically, a SELECT command storing the application ID (AID = 12) is generated and sent.

[0188] (Step S233) When the UWB communication unit 112 of the user terminal 100 receives the SELECT command packet transmitted from the settlement terminal 200 in step S232, it passes the received packet to the secure element (SE-OS) 120.

[0189] The secure element (SE-OS) 120 recognizes the SELECT command in the packet and acquires the application ID (AID = 12) of the communication request target application stored in the packet. This AID is the AID of the IC card application corresponding to UWB communication that was acquired by the UWB communication data analysis application of the user terminal 100 in the previous steps S223 to S224 and notified to the settlement terminal 200. The secure element (SE-OS) 120 selects and activates the application corresponding to this AID = 12, that is, the IC card application corresponding to UWB communication (IC card 2 application (AID = 12) 121b).

[0190] (Steps S233 to S234) In step S232, the IC card 2 application (AID = 12) 121b activated by the application selection and activation process by the secure element (SE-OS) 120 generates an activation response packet indicating that it has been activated in step S233, and in step S234, it transmits it to the settlement terminal 200 via the secure element (SE-OS) 120 and the UWB communication unit 112.

[0191] This transmitted data is input to the settlement terminal controller 201 via the UWB communication unit 212 of the settlement terminal 200, and the settlement terminal controller 201 confirms that UWB communication with the IC card 2 application (AID = 12) 121b of the user terminal 100 has become possible.

[0192] (Step S241) In step S241, the settlement terminal controller 201 of the settlement terminal 200 confirms that a communication session with the UWB communication corresponding IC card application has been established based on the response packet from the user terminal 100, and starts communication processing and data processing with the IC card application required for settlement processing, user entry permission confirmation processing, etc.

[0193] (Steps S242 to S244) The processing in steps S242 to S244 is a sequence of authentication and settlement processing that applies UWB communication between the settlement terminal controller 201 of the settlement terminal 200 and the IC card 2 application (AID = 12) corresponding to UWB communication of the user terminal 100.

[0194] The authentication process in steps S242a to c, The data reading process from the user terminal 100 in steps S243a to c, The data writing process to the user terminal 100 in steps S244a to c, For example, this series of processes is executed.

[0195] Note that this series of processes is executed using UWB communication. For example, it is transmitted using an APDU (Application Protocol Data Unit) defined as a packet frame available for UWB communication. As described above, the APDU is a packet frame configuration defined in ISO7816-4 and is a packet frame configuration available for UWB communication.

[0196] In the data reading process from the user terminal 100 in steps S243a to c, for example, the balance information corresponding to the IC card 2 application (AID = 12) 121b is read from the secure memory in the secure element 120 of the user terminal 100.

[0197] In the data writing process to the user terminal 100 in steps S244a to c, for example, the update process of the balance information corresponding to the IC card 2 application (AID = 12) 121b in the secure memory in the secure element 120 of the user terminal 100, that is, the writing process of the updated amount with the settlement amount reduced, is executed.

[0198] (Step S245) When the series of processes in steps S242 to S244 is completed, the settlement terminal controller 201 of the settlement terminal 200 confirms the completion of the communication process and data process with the IC card application required for the settlement process or the user entry permission confirmation process, etc. in step S245 and ends the process.

[0199] In addition, for example, in the case of a ticket gate, when a series of processes in steps S242 to S244 are completed, a process of opening the gate door and enabling the user to pass is also executed.

[0200] Previously, with reference to FIG. 14 and the like, an example was described in which not only the application ID (AID) of the UWB communication-compatible IC card application transmitted from the user terminal 100 to the settlement terminal 200 but also the unique identifier (IDm) of the IC card application was stored in the packet.

[0201] By notifying the settlement terminal 200 of this IC card application unique identifier (IDm), for example, when the UWB communication between the user terminal 100 and the settlement terminal 200 is interrupted during steps S242 to S244 shown in FIG. 18, the processing load can be reduced. Hereinafter, with reference to FIG. 19, this specific example will be described.

[0202] FIG. 19 shows the processing below step S242a described previously with reference to FIG. 18, that is, the processing below step S242a which is the execution step of the authentication process and the settlement process.

[0203] Suppose that after the settlement terminal 200 transmits an authenticated paid packet to the user terminal 100 in step S242a, the UWB communication between the settlement terminal 200 and the user terminal 100 is interrupted. In this case, when the user terminal 100 detects that the UWB communication connection has been cut off in step S271, it reconnects the UWB communication with the settlement terminal 200 in step S272.

[0204] When the UWB communication is reconnected, the settlement terminal controller 201 of the settlement terminal 200 transmits an authentication request storing the IC card application unique identifier (IDm) stored in the response packet received from the user terminal 100 in the previous step S224 in step S273.

[0205] For example, a packet (APDU packet) as shown in FIG. 20 is transmitted. As shown in FIG. 20, the packet is a packet including an IC card application unique identifier (IDm) and an authentication command. The UWB communication unit 112 of the user terminal 100 outputs this packet to the secure element OS (SE-OS) 120.

[0206] The secure element OS (SE-OS) 120 obtains the IC card application unique identifier (IDm) in the packet, refers to the correspondence data between the IC card application unique identifier (IDm) stored in the memory of the user terminal 100 and the application ID (AID), and obtains the application ID (AID) corresponding to the IC card application unique identifier (IDm) stored in the received packet.

[0207] A specific example of the correspondence data between the IC card application unique identifier (IDm) and the application ID (AID) stored in the memory of the user terminal 100 is shown in FIG. 21. In the memory of the user terminal 100, for example, as shown in FIG. 21, service ID, IC card application unique identifier (IDm), application ID (AID), UWB communication correspondence (correspondence = 1, non-correspondence = 0), and IC card application registration data associating these data are recorded.

[0208] The secure element OS (SE-OS) 120 of the user terminal 100 refers to this correspondence data, obtains the application ID (AID) corresponding to the IC card application unique identifier (IDm) stored in the packet received from the payment terminal 200, and can pass the authentication request resent from the payment terminal 200 to the IC card application having the obtained application ID (AID), and can continue the subsequent authentication process and payment process.

[0209] That is, it becomes possible to omit the process of the payment terminal 200 resending a select command storing the IC card application ID (AID) to restart the IC card application.

[0210] Note that, as shown in FIG. 22, the IC card application unique identifier (IDm) is information recorded as attribute information of the IC card applications stored in the IC card application group 121 of the secure element (SE) 120 of the user terminal 100.

[0211] Next, with reference to the flowchart shown in FIG. 23, a sequence of processes executed by the UWB communication data analysis application of the user terminal 100 in response to an application ID (AID) inquiry of the UWB communication-compatible IC card application from the payment terminal 200 will be described. That is, the flowchart shown in FIG. 23 is a detailed sequence of the processes executed in steps S222 to S224 shown in FIG. 13. The processes of each step of the flowchart shown in FIG. 24 will be sequentially described.

[0212] (Step S301) First, the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 100 inputs an IC card application ID (AID) inquiry command transmitted by the payment terminal 200 in step S301.

[0213] Note that the IC card application ID (AID) inquiry command transmitted by the payment terminal 200 is input to the UWB communication data analysis application (in-SE communication control unit) 123 via the UWB communication unit 112 of the user terminal 100 and the secure element OS (SE-OS) 120.

[0214] (Step S302) The UWB communication data analysis application (in-SE communication control unit) 123 that has input the IC card application ID (AID) inquiry command transmitted by the payment terminal 200 searches for an IC card application capable of executing the service provided by the payment terminal 200 via UWB communication in step S302.

[0215] For example, referring to the UWB-compatible application registration data described above with reference to FIG. 8, search for the application ID (AID) of the IC card application capable of executing the services provided by the payment terminal 200 by UWB communication.

[0216] (Step S303) Step S303 is a determination step. In the search process in step S302, if an IC card application capable of executing the services provided by the payment terminal 200 by UWB communication is detected, proceed to step S304. On the other hand, if not detected, proceed to step S305.

[0217] (Step S304) In the search process in step S302, if an IC card application capable of executing the services provided by the payment terminal 200 by UWB communication is detected, execute the process of step S304.

[0218] In this case, the UWB communication data analysis application (in-SE communication control unit) 123 generates a response packet storing the application ID obtained in the search process of step S302 in step S304, that is, the application ID (AID) of the IC card application capable of executing the services provided by the payment terminal 200 by UWB communication, and transmits it to the payment terminal 200.

[0219] The response packet generated by the UWB communication data analysis application (in-SE communication control unit) 123 is configured as a packet storing the following data described above with reference to FIG. 14, for example. (Data D1) Presence or absence of an IC card application capable of executing the process corresponding to the service provided by the payment terminal 200 (present = 1, absent = 0) (Data D2) Presence or absence of an IC card application capable of executing the services provided by the payment terminal 200 by UWB communication (present = 1, absent = 0) (Data D3) Application ID of the IC card application capable of executing the services provided by the payment terminal 200 by UWB communication (Data D4) Balance corresponding to the services provided by the payment terminal 200 (optional) (Data D5) IC card unique identifier (IDm) associated with an IC card application capable of executing the services provided by the payment terminal 200 via UWB communication (optional)

[0220] (Step S305) On the other hand, in the search process in step S302, if an IC card application capable of executing the services provided by the payment terminal 200 via UWB communication is not detected, the process of step S305 is executed.

[0221] In this case, the UWB communication data analysis application (in-SE communication control unit) 123 generates a response packet indicating that no IC card application capable of executing the services provided by the payment terminal 200 via UWB communication has been detected in step S305 and transmits it to the payment terminal 200.

[0222] This response packet is a packet having the data configuration described above with reference to FIGS. 15 and 16, for example.

[0223] When the response packet storing the AID generated by the UWB communication data analysis application (in-SE communication control unit) 123 in step S304 is transmitted to the payment terminal 200, thereafter, the payment terminal 200 transmits a select command storing the application ID (AID) stored in the response packet to the user terminal 100. The secure element OS (SE-OS) of the user terminal 100 activates the IC card application specified by the application ID (AID) stored in the packet according to this select command. Thereafter, authentication processing and payment processing via UWB communication can be performed between the activated IC card application and the payment terminal.

[0224] In this way, in the user terminal 100 of the present disclosure, the UWB communication data analysis application (in-SE communication control unit) 123 notifies the payment terminal 200 of the application ID (AID) of the IC card application capable of executing the services provided by the payment terminal 200 via UWB communication. The payment terminal 200 designates the AID obtained by this notification, outputs a select command, activates a specific IC card application, that is, an IC card application capable of executing the services provided by the payment terminal 200 by UWB communication, and starts communication processing by UWB communication, making it possible to perform authentication processing and payment processing by UWB communication.

[0225] With this configuration, the user terminal 100 and the payment terminal 200 can start communication and perform payment processing at a distance within several meters where UWB communication is possible, without approaching within several centimeters where NFC communication is possible. For example, the user can perform payment processing without taking out the user terminal 100 such as a smartphone from the bag and can pass through gates such as ticket barriers. Also, it becomes possible to perform payment processing using the store terminal without taking out the user terminal 100 such as a smartphone.

[0226] [6. (Example 2) Configuration and processing example of the communication processing apparatus according to Example 2 of the present disclosure] Next, the configuration and processing example of the communication processing apparatus according to Example 2 of the present disclosure will be described.

[0227] FIG. 24 is a block diagram showing a configuration example of a user terminal 300 which is a communication processing apparatus according to Example 2 of the present disclosure and a payment terminal 200 that communicates with the user terminal 300. The user terminal 300 according to Example 2 shown in FIG. 24 does not have the UWB communication data analysis application (in-SE communication control unit) 123 in the secure element (SE) 120 of the user terminal 100 described above as Example 1.

[0228] In Example 1 described above, the UWB communication data analysis application (in-SE communication control unit) 123 in the secure element (SE) 120 of the user terminal 100 executed a process of searching for the application ID (AID) of the UWB-compatible IC card application capable of processing the services provided by the payment terminal 200 and notifying the payment terminal 200.

[0229] On the other hand, the user terminal 300 of the second embodiment shown in FIG. 24 has the user terminal controller 101 search for the application ID (AID) of the UWB-compatible IC card application capable of processing the services provided by the payment terminal 200, and execute a process of notifying the payment terminal 200.

[0230] First, referring to FIG. 24, the configuration of the second embodiment will be described. The payment terminal 200 shown in FIG. 24 is a device including, for example, a reader / writer (R / W) installed at a ticket gate of a station or in a store, and performs payment processing by executing proximity communication with a user terminal 300 such as a smartphone.

[0231] The user terminal 300 such as a smartphone and the payment terminal 200 each have three different communication units. That is, the user terminal 300 shown in FIG. 24 has an NFC communication unit 111, a UWB communication unit 112, and a BLE communication unit 113. Similarly, the payment terminal 200 also has an NFC communication unit 211, a UWB communication unit 212, and a BLE communication unit 213.

[0232] Between the NFC communication unit 111 of the user terminal 300 and the NFC communication unit 211 of the payment terminal 200, wireless communication is performed in accordance with the Type-F standard of the NFC (Near Field Communication) standard, which is one of the short-range wireless communication standards, as described with reference to FIG. 3.

[0233] Between the UWB communication unit 112 of the user terminal 300 and the UWB communication unit 212 of the payment terminal 200, UWB (Ultra Wide Band) communication, which is ultra-wideband wireless communication, is performed. Between the BLE communication unit 113 of the user terminal 300 and the BLE communication unit 213 of the payment terminal 200, BLE (Bluetooth Low Energy) communication, which is low-power Bluetooth (registered trademark) communication, is performed.

[0234] When the user terminal 300 approaches within the BLE communication range (several tens of meters), the payment terminal 200 can detect the user terminal 300 by BLE communication and establish BLE communication with the user terminal 300.

[0235] As shown in FIG. 24, the user terminal 300 includes an NFC communication unit 111, a UWB communication unit 112, a BLE communication unit 113. In addition to these three communication units, the user terminal 300 also includes a user terminal controller (DH: Device Host) 101 and a secure element 120. The payment terminal 200 includes an NFC communication unit 211, a UWB communication unit 212, a BLE communication unit 213. In addition to these three communication units, the payment terminal 200 also includes a payment terminal controller 201.

[0236] The secure element 120 of the user terminal 300 includes an IC card application group 121 composed of a plurality of IC card applications and a command analysis unit 122. The IC card application group 121 includes various IC card applications such as a transportation IC card application and a distribution IC card application as described with reference to FIGS. 1 and 2.

[0237] The NFC communication executed between the NFC communication unit 111 of the user terminal 300 and the NFC communication unit 211 of the payment terminal 200 is the same as the process described with reference to FIG. 3 above. That is, when the NFC communication unit 111 of the user terminal 300 and the NFC communication unit 211 of the payment terminal 200 approach each other within a predetermined distance, for example, within several centimeters, wireless communication according to the NFC standard is started.

[0238] The user terminal 300 and the payment terminal 200 shown in FIG. 24 have BLE communication units and UWB communication units other than the NFC communication unit. When the distance between the user terminal 300 and the payment terminal 200 is within several meters to several tens of meters, communication via these communication units becomes possible.

[0239] The user terminal 300 uses, for example, BLE communication to implement the same process as the IC card application selection process using the Type-F specific command used in the NFC communication described with reference to FIG. 3. The user terminal controller 101 of the user terminal 300 shown in FIG. 24 analyzes the BLE communication data transmitted from the payment terminal 200 and executes the selection process of the IC card application.

[0240] The command analysis unit 122 of the secure element 120 shown in FIG. 24 analyzes the polling signal including the Type-F specific command received from the payment terminal 200 via the NFC communication unit 111, extracts the IC card application designation information of the Type-F specific command, and selects and activates one IC card application from the plurality of IC card applications stored in the secure element 120. This process is the same as the conventional configuration shown in FIG. 3.

[0241] In the user terminal 300 shown in FIG. 24, the user terminal controller 101 further analyzes the BLE communication data transmitted from the payment terminal 200 and executes the selection process of the IC card application. By performing this process, it becomes possible to perform the payment process by UWB communication before NFC communication can be started.

[0242] The outline of the communication sequence executed between the user terminal 300 and the payment terminal 200 shown in FIG. 24 will be described.

[0243] Note that the payment terminal controller 201 of the payment terminal 200 controls the communication of each communication unit of the NFC communication unit 211, UWB communication unit 212, and BLE communication unit 213 of the payment terminal 200. The payment terminal controller 201 first broadcasts an Advertise packet, which is a user terminal detection and BLE communication connection establishment request packet, from the BLE communication unit 213. In the BLE communication standard, an ADV_IND packet (General Advertising Indication packet) is defined as a broadcast packet for device detection.

[0244] When the user terminal 300 that has entered the BLE communication possible area receives the advertisement packet transmitted by the payment terminal 200, it transmits a response packet including the user terminal identifier to the payment terminal 200. The payment terminal 200 detects the user terminal 300 by acquiring the user terminal identifier from the response packet transmitted by the user terminal 300.

[0245] When the user terminal is detected, the payment terminal 200 then starts the position identification process of the user terminal 300. The payment terminal controller 201 of the payment terminal 200 uses UWB (Ultra Wide Band) communication to perform the position identification process of the user terminal 300.

[0246] As described above, UWB communication defines a "secure ranging" method for analyzing the device position while maintaining security. "Secure ranging" is a technology that enables secure measurement of the distance and angle between communication devices by transmitting and receiving encrypted data using a common key.

[0247] When the payment terminal 200 detects the user terminal by BLE communication, it outputs a UWB communication signal for identifying the position of the detected user terminal 300, establishes communication between the UWB communication unit 212 of the payment terminal 200 and the UWB communication unit 112 of the user terminal 300, and continuously executes the position identification process of the user terminal 300.

[0248] Note that the UWB communication unit 212 of the payment terminal 200 performs data analysis of ToA (Time of Arrival) and AoA (Angle of Arrival) in secure ranging by UWB communication. ToA (Time of Arrival) corresponds to the transmission and reception time of the UWB signal, and the payment terminal controller 201 of the payment terminal 200 analyzes the distance from the payment terminal 200 to the user terminal 300 based on this time.

[0249] The AoA (Angle of Arrival) is the angle information at which the transmission signal of the user terminal 300 enters the settlement terminal 200. The settlement terminal controller 201 of the settlement terminal 200 analyzes the direction of the user terminal 300 based on this angle. The settlement terminal controller 201 of the settlement terminal 200 identifies the position of the user terminal 300 through the analysis of these ToA and AoA.

[0250] Note that after detecting the user terminal 300, the settlement terminal controller 201 of the settlement terminal 200 continuously executes the user terminal position identification process until the settlement process starts or ends, for example, until passing through the ticket gate where the settlement terminal 200 is installed.

[0251] The settlement terminal controller 201 of the settlement terminal 200, in parallel with the execution of secure ranging by UWB communication, selects an IC card application through BLE communication and communicates with the IC card application through UWB communication to perform settlement processing and the like.

[0252] An overview of the sequence of the selection of the IC card application by BLE communication and the communication process with the IC card application by UWB communication will be described. The settlement terminal 200 first starts BLE communication with the user terminal controller 101 of the user terminal 300.

[0253] When the BLE communication with the user terminal controller 101 is successful, then the settlement terminal 200 sends an inquiry packet of the designation information (AID: Application ID) of the IC card application to be used for the settlement process to the user terminal controller 101 of the user terminal 300.

[0254] The user terminal controller 101 of the user terminal 300 generates a response packet storing the designation information (AID) of the IC card application available for the settlement process with the settlement terminal 200 in response to the inquiry packet received from the settlement terminal 200 and sends it to the settlement terminal 200.

[0255] Next, the payment terminal 200 transmits an IC card application selection command (SELECT command) packet storing the designated information (AID) of the IC card application received from the user terminal to the user terminal 300 via UWB communication.

[0256] The user terminal controller 101 of the user terminal 300 acquires the IC card application designated information (AID) from the IC card application selection command (SELECT command) storing the designated information (AID) of the IC card application received from the payment terminal 200.

[0257] The user terminal controller 101 of the user terminal 300 passes the IC card application designated information (AID) acquired from the IC card application selection command (SELECT command) to the secure element OS (SE-OS). The secure element OS (SE-OS) selects and activates one IC card application corresponding to the IC card application designated information (AID) received from the user terminal controller 101.

[0258] Thereafter, the selected one IC card application executes UWB communication with the payment terminal 200 via the secure element OS (SE-OS) and the UWB communication unit 112, and executes a series of processes required for payment processing, such as authentication processing, balance confirmation processing, usage fee deduction processing, balance update processing, etc.

[0259] Thus, in the second embodiment, the user terminal controller 101 of the user terminal 300 executes a process of searching for the application ID (AID) of the UWB-compatible IC card application capable of processing the services provided by the payment terminal 200 and notifying the payment terminal 200. This process can be realized, for example, by executing one application program on the user terminal controller 101. This application program has the merit that it can be installed at any time on an existing smartphone owned by the user, similar to the UWB communication data analysis application (in-SE communication control unit) 123 described in the first embodiment.

[0260] As described above, the communication range of UWB communication is about 10 m, and unlike NFC communication with a communication range of several centimeters, communication is possible even if the user terminal 300 and the payment terminal 200 are not in close proximity to each other.

[0261] Therefore, by installing an application program that executes the above-described processing in the user's smartphone (user terminal 300), the smartphone placed in the user's bag can perform payment processing by UWB communication with the payment terminal provided at the ticket gate at a position several meters away from the ticket gate, and the user can pass through the ticket gate after completing the payment processing without taking out the user terminal such as the smartphone placed in the bag.

[0262] The same applies to payment using a payment terminal in a store or the like. The user can complete the payment processing while passing by near the payment terminal in the store without holding the user terminal such as a smartphone over the payment terminal in the store.

[0263] [Regarding the sequence of processing executed by the communication processing apparatus of Example 2] Next, the sequence of processing executed by the communication processing apparatus of Example 2, that is, the user terminal 300 shown in FIG. 24, will be described.

[0264] The following sequence of processing will be sequentially described. (1) Registration processing sequence of the UWB-compatible IC card application for the user terminal by the user (2) Notification processing sequence of the UWB-compatible IC card application for the payment terminal from the user terminal (3) Payment processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the payment terminal (4) Payment processing sequence in which communication between the UWB-compatible IC card application of the user terminal and the payment terminal is executed by BLE communication via the user terminal controller

[0265] (7-(1) Registration Process Sequence of UWB-Compatible IC Card Application for User Terminal by User) First, the registration process sequence of the UWB-compatible IC card application for the user terminal by the (1) user will be described.

[0266] This process is to record one IC card application from the IC card application group 121 in the secure element (SE) 120 in the table described with reference to FIG. 8 earlier, that is, the "UWB-Compatible Application Registration Data" table, so that it can be used as a settlement-capable IC card application by UWB communication.

[0267] Note that the attribute information recording process of the IC card application for the "UWB-Compatible Application Registration Data" may be configured to be executed by the user terminal controller (DH internal communication control unit) 101 itself, or may be configured to be executed in response to a user request according to the sequence described with reference to FIG. 25.

[0268] FIG. 25 is a sequence diagram for explaining the registration process sequence of the UWB-compatible IC card application for the user terminal by the user.

[0269] In FIG. 25, the user 150 is shown on the left end and the user terminal 300 is shown on the right side. As components of the user terminal 300, from left to right, user terminal controller (DH internal communication control unit) 101, IC card 1 application (AID = 11) 121a, IC card 2 application (AID = 12) 121b, IC card 3 application (AID = 21) 121c, are shown.

[0270] The details of each process of steps S401 to S403 shown in FIG. 25 will be described sequentially. (Steps S401 to S402) First, in step S401, the user 150 inputs the designation information of a specific card application to be registered as the UWB-compatible IC card application. This process is executed, for example, when a user newly installs an IC card application on a user terminal and registers it as a UWB-compatible IC card application.

[0271] The user displays the information of the newly installed IC card application on the display unit of the user terminal 300, and inputs a registration request to register the displayed IC card application as a "UWB-compatible IC card application" in the user terminal 300. For example, tap an icon with a display such as "Register as UWB-compatible IC card application".

[0272] By this tap process, the attribute information of the IC card application being displayed on the display unit of the user terminal 300 is read from the IC card application and input to the user terminal controller (DH internal communication control unit) 101.

[0273] Here, as an example, it is assumed that the IC card 2 application (AID = 12) 121b with the application identifier (AID) = 12 is specified as the registration target.

[0274] (Step S402) Next, in step S402, the user terminal controller (DH internal communication control unit) 101 checks for the existence of the IC card 2 application (AID = 12) specified by the user.

[0275] In step S402, the user terminal controller (DH internal communication control unit) 101 refers to the IC card application group 121 of the secure element (SE) 120 to check whether the IC card 2 application (AID = 12) exists.

[0276] If the existence of the IC card 2 application (AID = 12) is confirmed, the process proceeds to step S403. On the other hand, if the existence of the IC card 2 application (AID = 12) is not confirmed, without proceeding to step S403, an error message is output to the display unit of the user terminal 300 and the process ends.

[0277] (Step S403) When the existence of the IC card 2 application (AID = 12) for which a registration request has been made as a UWB communication applicable card is confirmed from the user, the process proceeds to step S403.

[0278] In this case, the user terminal controller (in-DH communication control unit) 101 registers the IC card 2 application (AID = 12) in the table described above with reference to FIG. 8, that is, the "UWB compatible application registration data" table, in step S403.

[0279] By this table registration process, the IC card 2 application (AID = 12) will be enabled as an IC card application capable of settlement processing by UWB communication.

[0280] (7-(2) Notification processing sequence of UWB compatible IC card application from user terminal to settlement terminal) Next, the notification processing sequence of the UWB compatible IC card application from the (2) user terminal to the settlement terminal will be described.

[0281] With reference to FIGS. 26 to 27, the notification processing sequence of the UWB compatible IC card application from the user terminal to the settlement terminal will be described.

[0282] In FIGS. 26 to 27, the settlement terminal 200 is shown on the left end and the user terminal 300 is shown on the right side. As components of the settlement terminal 200, from the left, Settlement terminal controller 201, UWB communication unit 212, BLE communication unit 213, These respective components are shown.

[0283] On the other hand, as components of the user terminal 300, from the left, BLE communication unit 113, UWB communication unit 112, Secure element (SE-OS) 120, IC card 2 application (AID = 12) 121b, User terminal controller (in - DH communication control unit) 101, These are shown here.

[0284] Regarding the details of the processing below step S411 shown in FIGS. 26 - 27, they will be sequentially described. (Step S411) First, in step S411, the settlement terminal controller 201 of the settlement terminal 200 broadcasts an Advertise packet, which is a user - terminal detection and BLE - communication connection establishment request packet, from the BLE communication unit 213.

[0285] As described above, in the BLE communication standard, an ADV_IND packet (General Advertising Indication packet) is defined as a broadcast packet for device detection. In step S411, the settlement terminal 200 broadcasts an Advertise packet from the BLE communication unit 213.

[0286] (Step S412) When the user terminal 300 that has entered the BLE - communication - available area (for example, within several tens of meters) receives the Advertise packet transmitted by the settlement terminal 200, in step S412, it transmits a response packet containing the user - terminal identifier to the settlement terminal 200. The settlement terminal 200 detects the user terminal 300 by acquiring the user - terminal identifier from the response packet transmitted by the user terminal 300.

[0287] When the user terminal is detected, the settlement terminal 200 then performs a process of acquiring user - terminal position - analysis data from the user terminal 300 in order to start the position - identification process of the user terminal 300.

[0288] As described above, the settlement terminal controller 201 of the settlement terminal 200 uses UWB (Ultra Wide Band) communication to perform the position - identification process of the user terminal 300.

[0289] (Steps S413 - S415) Next, in step S413, the payment terminal controller 201 of the payment terminal 200 starts user terminal position identification processing that applies UWB communication with the UWB communication unit 112 of the user terminal 300 via the UWB communication unit 212.

[0290] As described above, UWB communication defines a "secure ranging" method for analyzing device positions while maintaining security. "Secure ranging" is a technology that enables secure measurement of the distance and angle between communication devices through the transmission and reception of encrypted data using a common key.

[0291] When the payment terminal 200 detects the user terminal by BLE communication in steps S411 - S412, in step S413, it outputs a UWB communication signal for identifying the position of the detected user terminal 300, establishes communication between the UWB communication unit 212 of the payment terminal 200 and the UWB communication unit 112 of the user terminal 300, starts the position identification process of the user terminal 300, and then continuously executes the user terminal position identification process.

[0292] As described above, the UWB communication unit 212 of the payment terminal 200 performs data analysis of ToA (Time of Arrival) and AoA (Angle of Arrival) in secure ranging by UWB communication. ToA (Time of Arrival) corresponds to the transmission and reception time of the UWB signal, and the payment terminal controller 201 of the payment terminal 200 analyzes the distance from the payment terminal 200 to the user terminal 300 based on this time.

[0293] AoA (Angle of Arrival) is the angle information at which the transmission signal of the user terminal 300 enters the payment terminal 200. The payment terminal controller 201 of the payment terminal 200 analyzes the direction of the user terminal 300 based on this angle. The payment terminal controller 201 of the payment terminal 200 identifies the position of the user terminal 300 by analyzing these ToA and AoA.

[0294] Note that after detecting the user terminal 300, the payment terminal controller 201 of the payment terminal 200 continuously executes the user terminal position identification process until the payment process starts or ends, for example, until passing through the ticket gate where the payment terminal 200 is installed.

[0295] While executing secure ranging by UWB communication, the payment terminal controller 201 of the payment terminal 200 selects an IC card application by BLE communication and UWB communication and communicates with the IC card application to perform payment processing and the like.

[0296] (Step S421) Next, the process of step S421 shown in FIG. 27 will be described. In step S421, the payment terminal controller 201 of the payment terminal 200 transmits an inquiry command for the IC card application ID (AID) to the user terminal controller (DH internal communication control unit) 101 of the user terminal 300 by BLE communication via the BLE communication unit 213.

[0297] That is, a command for inquiring about the application ID (AID) that can execute the payment process corresponding to the service provided by the payment terminal 200 (service ID = 1) by UWB communication is transmitted.

[0298] Note that this AID inquiry command for the IC card application is transmitted using an APDU (Application Protocol Data Unit) defined as a packet frame available for BLE communication. The APDU has a packet frame configuration defined in ISO7816 - 4 and is a packet frame configuration available for BLE communication.

[0299] (Step S422) In step S422, the BLE communication unit 113 of the user terminal 300 receives the IC card application ID (AID) inquiry command transmitted by the payment terminal 200, and inputs the received command to the user terminal controller (in-DH communication control unit) 101.

[0300] (Step S423) In step S423, the user terminal controller (in-DH communication control unit) 101 that has input the IC card application ID (AID) inquiry command transmitted by the payment terminal 200 executes the following processing.

[0301] The user terminal controller (in-DH communication control unit) 101 searches for an IC card application that can execute the service provided by the payment terminal 200 (service ID = 1) by UWB communication, and obtains the application ID (AID = 12) of the searched application. For example, referring to the UWB-compatible application registration data described above with reference to FIG. 8, the application ID (AID) of the IC card application that can execute the service provided by the payment terminal 200 (service ID = 1) by UWB communication is searched.

[0302] In the example shown in FIG. 8, the application ID (AID) of the IC card application that can execute the service with service ID = 1 by UWB communication is AID = 12, and the user terminal controller (in-DH communication control unit) 101 obtains this application ID (AID = 12).

[0303] (Step S424) Next, in step S424, the user terminal controller (in-DH communication control unit) 101 generates a response packet storing the application ID (AID = 12) obtained in step S423 and transmits it to the payment terminal 200. The response packet is transmitted from the user terminal controller (in-DH communication control unit) 101 via the BLE communication unit 113, received by the BLE communication unit 213 of the payment terminal 200, and input to the payment terminal controller 201.

[0304] Note that, with respect to the IC card application ID (AID) inquiry command from the payment terminal 200, the data configuration of the response packet generated by the user terminal controller (in-device communication control unit) 101 of the user terminal 300 is the same as the configuration described with reference to FIGS. 14 to 16 above.

[0305] That is, as described with reference to FIG. 14 above, the response packet is configured as a packet storing, for example, the following data. (Data D1) Presence or absence of an IC card application capable of executing processing corresponding to the service provided by the payment terminal 200 (service ID = 1) (present = 1, absent = 0) (Data D2) Presence or absence of an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) by UWB communication (present = 1, absent = 0) (Data D3) Application ID (AID = 12) of an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) by UWB communication (Data D4) Balance corresponding to the service provided by the payment terminal 200 (service ID = 1) (optional) (Data D5) IC card unique identifier (IDm) associated with the IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) by UWB communication (optional)

[0306] When the user terminal 300 has an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) by UWB communication, the user terminal 300 generates a response packet as shown in FIG. 14 and transmits it to the payment terminal 200. When the user terminal 300 does not have such an IC card application, the user terminal 300 generates a response packet as shown in FIGS. 15 and 16 and transmits it to the payment terminal 200.

[0307] (Step S424) The payment terminal controller 201 of the payment terminal 200 that has received the response packet from the user terminal 300 executes analysis processing of the received response packet in step S424. Specifically, the payment terminal controller 200 executes processing to acquire the application ID (AID = 12) of the IC card application capable of executing the service with service ID = 1 by UWB communication. If balance information is recorded in the response packet, balance confirmation processing and the like are also executed.

[0308] (7-(3) Settlement processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the settlement terminal) Next, the settlement processing sequence by UWB communication between the UWB-compatible IC card application of the (3) user terminal and the settlement terminal will be described.

[0309] With reference to FIGS. 28 to 29, the settlement processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the settlement terminal will be described.

[0310] In FIGS. 28 to 29, the settlement terminal 200 is shown on the left end and the user terminal 300 is shown on the right side. As components of the settlement terminal 200, from left to right, Settlement terminal controller 201, UWB communication unit 212, BLE communication unit 213, These components are shown.

[0311] On the other hand, as components of the user terminal 300, from left to right, BLE communication unit 113, UWB communication unit 112, Secure element (SE-OS) 120, IC card 2 application (AID = 12) 121b, User terminal controller (DH internal communication control unit) 101, These are shown.

[0312] The details of the processing below step S431 shown in FIGS. 28 to 29 will be sequentially described. Note that at the start of step S431, the settlement terminal 200 and the user terminal 300 have established a UWB communication session, and the settlement terminal 200 is continuing the user terminal position confirmation processing that applies UWB communication.

[0313] (Step S431) First, in step S431, the payment terminal controller 201 of the payment terminal 200 refers to the user terminal position confirmation result by UWB communication to confirm whether the user terminal 300 has entered within a pre-specified specified distance, for example, within the ticket gate. If it is confirmed, the processing (payment processing) from step S432 onwards is started.

[0314] (Step S432) When it is confirmed that the user terminal 300 has entered within a pre-specified specified distance, for example, within the ticket gate, first, the payment terminal controller 201 of the payment terminal 200, in step S432, sends a communication request for the service ID = 1 to the IC card application executable by UWB communication to the user terminal 300 via the UWB communication unit 212. Specifically, a SELECT command storing the application ID (AID = 12) is generated and sent.

[0315] (Step S433) When the UWB communication unit 112 of the user terminal 300 receives the SELECT command packet sent from the payment terminal 200 in step S432, it passes the received packet to the secure element (SE-OS) 120.

[0316] The secure element (SE-OS) 120 recognizes the SELECT command in the packet and acquires the application ID (AID = 12) of the communication request target application stored in the packet. This AID is the AID of the IC card application corresponding to UWB communication that the user terminal controller (DH internal communication control unit) 101 of the user terminal 300 acquired in the previous steps S422 to S423 and notified to the payment terminal 200. The secure element (SE-OS) 120 selects and activates the application corresponding to this AID = 12, that is, the IC card application corresponding to UWB communication (IC card 2 application (AID = 12) 121b).

[0317] (Steps S433 - S434) In step S432, the IC card 2 application (AID = 12) 121b started by the application selection and startup process by the secure element (SE-OS) 120 generates a startup response packet indicating that it has been started in step S433, and in step S434, it transmits the packet to the payment terminal 200 via the secure element (SE-OS) 120 and the UWB communication unit 112.

[0318] This transmitted data is input to the payment terminal controller 201 via the UWB communication unit 212 of the payment terminal 200, and the payment terminal controller 201 confirms that UWB communication with the IC card 2 application (AID = 12) 121b of the user terminal 300 has become possible.

[0319] (Step S441) In step S441, the payment terminal controller 201 of the payment terminal 200 confirms that a communication session with the UWB communication-compatible IC card application has been established based on the response packet from the user terminal 300, and starts communication processing and data processing with the IC card application required for payment processing or user entry permission confirmation processing, etc.

[0320] (Steps S442~S444) The processing in steps S442~S444 is a sequence of authentication and payment processing that applies UWB communication between the payment terminal controller 201 of the payment terminal 200 and the IC card 2 application (AID = 12) 121b corresponding to UWB communication of the user terminal 300.

[0321] The authentication processing in steps S442a~c, The data reading processing from the user terminal 300 in steps S443a~c, The data writing processing to the user terminal 300 in steps S444a~c, For example, this series of processing is executed.

[0322] Note that these series of processes are executed using UWB communication. For example, they are transmitted using an APDU (Application Protocol Data Unit) defined as a packet frame available for UWB communication. As described above, the APDU has a packet frame configuration defined in ISO7816-4 and is a packet frame configuration available for UWB communication.

[0323] In the data reading process from the user terminal 300 in steps S443a to c, for example, reading of balance information corresponding to the IC card 2 application (AID = 12) 121b from the secure memory in the secure element 120 of the user terminal 300 is performed.

[0324] In the data writing process to the user terminal 300 in steps S444a to c, for example, an update process of the balance information corresponding to the IC card 2 application (AID = 12) 121b in the secure memory in the secure element 120 of the user terminal 300, that is, a writing process of the updated amount with the settlement amount reduced, is executed.

[0325] (Step S445) When the series of processes in steps S442 to S444 are completed, the settlement terminal controller 201 of the settlement terminal 200 confirms the completion of the communication process and data process with the IC card application required for settlement processing or user entry permission confirmation processing, etc. in step S445 and ends the process.

[0326] Note that, for example, in the case of a ticket gate, when the series of processes in steps S442 to S444 are completed, a process of opening the gate of the gate to enable the user to pass is also executed.

[0327] Next, with reference to the flowchart shown in FIG. 30, a sequence of processes executed by the user terminal controller (DH internal communication control unit) 101 of the user terminal 300 in response to an inquiry about the application ID (AID) of the UWB communication-compatible IC card application from the settlement terminal 200 will be described. That is, the flowchart shown in FIG. 30 is a detailed sequence of the processes executed in steps S421 to S423 shown in FIG. 27. The processing of each step in the flowchart shown in FIG. 30 will be sequentially described.

[0328] (Step S451) First, the user terminal controller (DH internal communication control unit) 101 of the user terminal 300 inputs an IC card application ID (AID) inquiry command transmitted by the payment terminal 200 in step S451.

[0329] Note that the IC card application ID (AID) inquiry command transmitted by the payment terminal 200 is input to the user terminal controller (DH internal communication control unit) 101 via the BLE communication unit 113 of the user terminal 300.

[0330] (Step S452) The user terminal controller (DH internal communication control unit) 101 that has input the IC card application ID (AID) inquiry command transmitted by the payment terminal 200 searches for an IC card application that can execute the service provided by the payment terminal 200 by UWB communication in step S452.

[0331] For example, referring to the UWB-compatible application registration data described above with reference to FIG. 8, the application ID (AID) of the IC card application that can execute the service provided by the payment terminal 200 by UWB communication is searched for.

[0332] (Step S453) Step S453 is a determination step. In the search process in step S452, if an IC card application that can execute the service provided by the payment terminal 200 by UWB communication is detected, the process proceeds to step S454. On the other hand, if not detected, the process proceeds to step S455.

[0333] (Step S454) In the search process in step S452, if an IC card application capable of executing the service provided by the payment terminal 200 is detected by UWB communication, the process of step S454 is executed.

[0334] In this case, the user terminal controller (DH internal communication control unit) 101 generates, in step S454, a response packet storing the application ID obtained in the search process of step S452, that is, the application ID (AID) of the IC card application capable of executing the service provided by the payment terminal 200 by UWB communication, and transmits it to the payment terminal 200.

[0335] The response packet generated by the user terminal controller (DH internal communication control unit) 101 is configured as, for example, a packet storing the following data described above with reference to FIG. 14. (Data D1) Presence or absence of an IC card application capable of executing the process corresponding to the service provided by the payment terminal 200 (present = 1, absent = 0) (Data D2) Presence or absence of an IC card application capable of executing the service provided by the payment terminal 200 by UWB communication (present = 1, absent = 0) (Data D3) Application ID of the IC card application capable of executing the service provided by the payment terminal 200 by UWB communication (Data D4) Balance corresponding to the service provided by the payment terminal 200 (optional) (Data D5) IC card unique identifier (IDm) associated with the IC card application capable of executing the service provided by the payment terminal 200 by UWB communication (optional)

[0336] (Step S455) On the other hand, in the search process in step S452, if an IC card application capable of executing the service provided by the payment terminal 200 is not detected by UWB communication, the process of step S455 is executed.

[0337] In this case, the user terminal controller (in-DH communication control unit) 101 generates a response packet indicating that an IC card application capable of executing the services provided by the payment terminal 200 via UWB communication has not been detected in step S455, and transmits the response packet to the payment terminal 200.

[0338] This response packet is a packet having the data configuration described above with reference to FIGS. 15 and 16, for example.

[0339] When the response packet storing the AID generated by the user terminal controller (in-DH communication control unit) 101 in step S454 is transmitted to the payment terminal 200, thereafter, the payment terminal 200 transmits a select command storing the application ID (AID) stored in the response packet to the user terminal 300. The secure element OS (SE-OS) of the user terminal 300 activates the IC card application specified by the application ID (AID) stored in the packet according to this select command. Thereafter, it becomes possible to perform authentication processing and payment processing via UWB communication between the activated IC card application and the payment terminal.

[0340] As described above, in the user terminal 300 of this embodiment, the user terminal controller (in-DH communication control unit) 101 notifies the payment terminal 200 of the application ID (AID) of the IC card application capable of executing the services provided by the payment terminal 200 via UWB communication. The payment terminal 200 outputs a select command designating the AID obtained by this notification to activate a specific IC card application, that is, an IC card application capable of executing the services provided by the payment terminal 200 via UWB communication, and starts communication processing via UWB communication, making it possible to perform authentication processing and payment processing via UWB communication.

[0341] With this configuration, the user terminal 300 and the payment terminal 200 can start communication and perform payment processing at a distance within several meters where UWB communication is possible, without approaching within several centimeters where NFC communication is possible. For example, the user can perform payment processing and pass through gates such as ticket barriers without taking out the user terminal 300 such as a smartphone from their bag. Also, payment processing using the store terminal can be performed without taking out the user terminal 300 such as a smartphone.

[0342] ((7-(4)) Payment processing sequence in which communication between the UWB-compatible IC card application of the user terminal and the payment terminal is performed by BLE communication via the user terminal controller) Next, a payment processing sequence in which communication between the UWB-compatible IC card application of the user terminal and the payment terminal is performed by BLE communication via the user terminal controller will be described.

[0343] The process described earlier with reference to FIGS. 28 to 29 was a sequence in which the UWB-compatible IC card application of the user terminal and the payment terminal performed UWB communication to conduct payment processing. The sequence described below is a process that can be executed in place of the process described with reference to FIGS. 28 to 29.

[0344] That is, it is a payment processing sequence in which communication between the UWB-compatible IC card application of the user terminal and the payment terminal is performed by BLE communication via the user terminal controller. Hereinafter, this processing sequence will be described with reference to FIGS. 31 to 32. It is assumed that the process according to the sequence shown in FIGS. 25 to 27 has been executed before the processing sequence shown in FIGS. 31 to 32.

[0345] FIGS. 31 to 32 show the payment terminal 200 on the left end and the user terminal 300 on the right side. As components of the payment terminal 200, from the left, Payment terminal controller 201, UWB communication unit 212, BLE communication unit 213, These components are shown.

[0346] On the other hand, as components of the user terminal 300, from left to right, BLE communication unit 113, UWB communication unit 112, Secure Element (SE-OS) 120, IC card 2 application (AID = 12) 121b, User terminal controller (DH internal communication control unit) 101, These are shown.

[0347] The details of the processing below step S471 shown in FIGS. 31 to 32 will be sequentially described. Note that at the start of step S471, the settlement terminal 200 and the user terminal 300 have established a UWB communication session, and the settlement terminal 200 is continuing the user terminal position confirmation process that applies UWB communication.

[0348] (Step S471) First, in step S471, the settlement terminal controller 201 of the settlement terminal 200 refers to the user terminal position confirmation result by UWB communication to check whether the user terminal 300 has entered within a predefined specified distance, for example, within the ticket gate. If it is confirmed, the processing below step S472 (settlement processing) is started.

[0349] (Step S472) When it is confirmed that the user terminal 300 has entered within a predefined specified distance, for example, within the ticket gate, first, the settlement terminal controller 201 of the settlement terminal 200, in step S472, sends a communication request with an IC card application executable by UWB communication with service ID = 1 to the user terminal 300 via the BLE communication unit 213. Specifically, a SELECT command storing the application ID (AID = 12) is generated and sent.

[0350] (Step S473) When the BLE communication unit 113 of the user terminal 300 receives the SELECT command packet transmitted from the payment terminal 200 in step S472, it passes the received packet to the user terminal controller (DH internal communication control unit) 101.

[0351] The user terminal controller (DH internal communication control unit) 101 transfers the received packet to the secure element (SE-OS) 120. The secure element (SE-OS) 120 recognizes the SELECT command in the packet and obtains the application ID (AID = 12) of the communication request target application stored in the packet. This AID is the AID of the UWB communication-compatible IC card application that the user terminal controller (DH internal communication control unit) 101 of the user terminal 300 obtained in steps S422 to S423 described above with reference to FIG. 27 and notified the payment terminal 200. The secure element (SE-OS) 120 selects and activates the application corresponding to this AID = 12, that is, the UWB communication-compatible IC card application (IC card 2 application (AID = 12) 121b).

[0352] (Steps S473 to S474) In step S472, the IC card 2 application (AID = 12) 121b activated by the application selection and activation process by the secure element (SE-OS) 120 generates an activation response packet indicating that it has been activated in step S473, and in step S474, it is transmitted to the payment terminal 200 via the secure element (SE-OS) 120, the user terminal controller (DH internal communication control unit) 101, and the BLE communication unit 113.

[0353] This transmitted data is input to the payment terminal controller 201 via the BLE communication unit 213 of the payment terminal 200, and the payment terminal controller 200 confirms that communication with the IC card 2 application (AID = 12) 121b of the user terminal 300 has become possible.

[0354] (Step S481) In step S481, the payment terminal controller 201 of the payment terminal 200 confirms that a communication session with the UWB communication-compatible IC card application has been established based on the response packet from the user terminal 300, and starts communication processing and data processing with the IC card application required for payment processing or user entry permission confirmation processing, etc.

[0355] (Steps S482~S484) The processes in steps S482 to S484 are an authentication and payment processing sequence that executes communication between the payment terminal controller 201 of the payment terminal 200 and the IC card 2 application (AID = 12) 121b compatible with UWB communication of the user terminal 300 via the user terminal controller (DH internal communication control unit) 101.

[0356] The authentication process in steps S482a~c, The data reading process from the user terminal 300 in steps S483a~c, The data writing process to the user terminal 300 in steps S484a~c, For example, this series of processes is executed.

[0357] Note that this series of processes is executed by BLE communication via the user terminal controller (DH internal communication control unit) 101. For example, it is transmitted using an APDU (Application Protocol Data Unit) defined as a packet frame available for BLE communication. As described above, an APDU is a packet frame configuration defined in ISO7816-4 and is a packet frame configuration available for BLE communication.

[0358] In the data reading process from the user terminal 300 in steps S483a~c, for example, the balance information corresponding to the IC card 2 application (AID = 12) 121b is read from the secure memory in the secure element 120 of the user terminal 300.

[0359] In the data writing process for the user terminal 300 in steps S484a to c, for example, in the update process of the balance information corresponding to the IC card 2 application (AID = 12) 121b in the secure memory within the secure element 120 of the user terminal 300, that is, the writing process of the updated amount obtained by reducing the settlement amount is executed.

[0360] (Step S485) When the series of processes in steps S482 to S484 is completed, the settlement terminal controller 201 of the settlement terminal 200 checks the completion of communication processing and data processing with the IC card application required for settlement processing, user entry permission confirmation processing, etc. in step S485 and ends the process.

[0361] Note that, for example, in the case of a ticket gate, when the series of processes in steps S482 to S484 is completed, a process of opening the gate of the gate to enable the user to pass is also executed.

[0362] [8. (Example 3) Configuration and processing example of the communication processing device according to Example 3 of the present disclosure] Next, the configuration and processing example of the communication processing device according to Example 3 of the present disclosure will be described.

[0363] FIG. 33 is a block diagram showing a configuration example of a user terminal 400 which is a communication processing device according to Example 3 of the present disclosure and a settlement terminal 200 that communicates with the user terminal 400. Unlike the user terminal 100 shown in FIG. 5 described as Example 1 above, the IC card applications in the IC card application group 121 within the secure element (SE) 120 of the user terminal 400 are configured such that they cannot directly communicate with the settlement terminal 200 via the UWB communication unit 112.

[0364] The IC card applications in the IC card application group 121 within the secure element (SE) 120 of the user terminal 400 are configured to perform UWB communication via the UWB communication data analysis application (in-SE communication control unit) 123 or the user terminal controller 101. The other configurations are the same as those described with reference to FIG. 5 above.

[0365] With reference to FIG. 34 and below, a sequence of processes executed by the communication processing apparatus of Example 3, that is, the user terminal 400 shown in FIG. 33, will be described.

[0366] The following sequence of processes will be described sequentially. (1) Registration process sequence of the UWB-compatible IC card application for the user terminal by the user (2) Notification process sequence of the UWB-compatible IC card application from the user terminal to the payment terminal (3) Payment process sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the payment terminal

[0367] (8-(1) Registration process sequence of the UWB-compatible IC card application for the user terminal by the user) First, the registration process sequence of the UWB-compatible IC card application for the user terminal by the user in (1) will be described.

[0368] This process is to record one IC card application from the group of IC card applications 121 in the secure element (SE) 120 in the table described with reference to FIG. 8 above, that is, the "UWB-compatible application registration data" table, so that it can be used as a payment-enabled IC card application by UWB communication.

[0369] Note that the attribute information recording process of the IC card application for the "UWB-compatible application registration data" may be configured to be executed by the UWB communication data analysis application (in-SE communication control unit) 123 itself, or may be configured to be executed in accordance with the sequence described with reference to FIG. 34 in response to a user request.

[0370] FIG. 34 is a sequence diagram for explaining the registration process sequence of the UWB-compatible IC card application for the user terminal by the user.

[0371] Figure 34 shows user 150 at the left end and user terminal 400 on the right side. As components of user terminal 400, from left to right, user terminal controller (in-DH communication control unit) 101, UWB communication data analysis application (in-SE communication control unit) 123, IC card 1 application (AID = 11) 121a, IC card 2 application (AID = 12) 121b, IC card 3 application (AID = 21) 121c, are shown.

[0372] Details of each process of steps S601 to S604 shown in Figure 34 will be sequentially described. (Steps S601 to S602) First, in step S601, user 150 inputs designation information of a specific card application to be registered as a UWB-compatible IC card application. This process is executed, for example, when a user newly installs an IC card application on the user terminal and registers it as a UWB-compatible IC card application.

[0373] The user displays information of the newly installed IC card application on the display unit of user terminal 400 and inputs a registration request to register the displayed IC card application as a "UWB-compatible IC card application" in user terminal 400. For example, tap an icon with a display such as "Register as UWB-compatible IC card application".

[0374] By this tap process, the attribute information of the IC card application being displayed on the display unit of user terminal 400 is read from the IC card application and input to the UWB communication data analysis application (in-SE communication control unit) 123 in step S602 via the user terminal controller (in-DH communication control unit) 101.

[0375] Here, as an example, it is assumed that the IC card 2 application (AID = 12) 121b with the application identifier (AID) = 12 is specified as the registration target.

[0376] (Step S603) Next, the UWB communication data analysis application (in-SE communication control unit) 123 executes, in step S603, a check for the presence of the IC card 2 application (AID = 12) specified by the user.

[0377] In step S603, the UWB communication data analysis application (in-SE communication control unit) 123 refers to the IC card application group 121 of the secure element (SE) 120 and checks whether the IC card 2 application (AID = 12) exists.

[0378] If the presence of the IC card 2 application (AID = 12) is confirmed, the process proceeds to step S604. On the other hand, if the presence of the IC card 2 application (AID = 12) is not confirmed, without proceeding to step S604, an error message is output to the display unit of the user terminal 400 and the process ends.

[0379] (Step S604) If the presence of the IC card 2 application (AID = 12) for which a registration request was made as a UWB communication applicable card by the user is confirmed, the process proceeds to step S604.

[0380] In this case, in step S604, the UWB communication data analysis application (in-SE communication control unit) 123 registers the IC card 2 application (AID = 12) in the table described above with reference to FIG. 8, that is, the "UWB-compatible application registration data" table.

[0381] By this table registration process, the IC card 2 application (AID = 12) will be activated as an IC card application capable of settlement processing by UWB communication.

[0382] (8-(2) Notification Processing Sequence of UWB-Compatible IC Card Application from User Terminal to Payment Terminal) Next, the notification processing sequence of the UWB-compatible IC card application from the (2) user terminal to the payment terminal will be described.

[0383] Referring to FIGS. 35 to 37, the notification processing sequence of the UWB-compatible IC card application from the user terminal to the payment terminal will be described.

[0384] In FIGS. 35 to 37, the payment terminal 200 is shown on the left end and the user terminal 400 is shown on the right side. As components of the payment terminal 200, from left to right, payment terminal controller 201, UWB communication unit 212, BLE communication unit 213, each of these components is shown.

[0385] On the other hand, as components of the user terminal 400, from left to right, BLE communication unit 113, UWB communication unit 112, secure element (SE-OS) 120, IC card 2 application (AID = 12) 121b, UWB communication data analysis application (in-SE communication control unit) 123, user terminal controller (DH-in communication control unit) 101, these are shown.

[0386] The details of the processing below step S701 shown in FIGS. 35 to 37 will be sequentially described. (Step S701) First, in step S701, the payment terminal controller 201 of the payment terminal 200 broadcasts an Advertise packet, which is a user terminal detection and BLE communication connection establishment request packet, from the BLE communication unit 213.

[0387] As described above, in the BLE communication standard, an ADV_IND packet (General Advertising Indication packet) is defined as a broadcast packet for device detection. In step S701, the payment terminal 200 broadcasts an Advertise packet from the BLE communication unit 213.

[0388] (Step S702) When the user terminal 400 that has entered the BLE communication available area (for example, several tens of meters) receives the Advertise packet transmitted by the payment terminal 200, in step S702, the user terminal 400 transmits a response packet including the user terminal identifier to the payment terminal 200. The payment terminal 200 detects the user terminal 400 by acquiring the user terminal identifier from the response packet transmitted by the user terminal 400.

[0389] When the user terminal is detected, the payment terminal 200 then performs a process of acquiring user terminal position analysis data from the user terminal 400 in order to start the position identification process of the user terminal 400.

[0390] As described above, the payment terminal controller 201 of the payment terminal 200 uses UWB (Ultra Wide Band) communication to perform the position identification process of the user terminal 400.

[0391] (Steps S703 to S705) Next, in step S703, the payment terminal controller 201 of the payment terminal 200 starts a user terminal position identification process that applies UWB communication with the UWB communication unit 112 of the user terminal 400 via the UWB communication unit 212.

[0392] As described above, UWB communication defines a "secure ranging" method for analyzing the device position while maintaining security. "Secure ranging" is a technology that enables secure measurement of the distance and angle between communication devices by transmitting and receiving encrypted data using a common key.

[0393] When the settlement terminal 200 detects the user terminal through BLE communication in steps S701 to S702, in step S703, it outputs a UWB communication signal for identifying the position of the detected user terminal 400, establishes communication between the UWB communication unit 212 of the settlement terminal 200 and the UWB communication unit 112 of the user terminal 400, starts the position identification process of the user terminal 400, and then continuously executes the user terminal position identification process.

[0394] As described above, the UWB communication unit 212 of the settlement terminal 200 performs data analysis of ToA (Time of Arrival) and AoA (Angle of Arrival) in secure ranging by UWB communication. ToA (Time of Arrival) corresponds to the transmission and reception time of the UWB signal. The settlement terminal controller 201 of the settlement terminal 200 analyzes the distance from the settlement terminal 200 to the user terminal 400 based on this time.

[0395] AoA (Angle of Arrival) is the angle information at which the transmission signal of the user terminal 400 enters the settlement terminal 200. The settlement terminal controller 201 of the settlement terminal 200 analyzes the direction of the user terminal 400 based on this angle. The settlement terminal controller 201 of the settlement terminal 200 identifies the position of the user terminal 400 through the analysis of these ToA and AoA.

[0396] In addition, the settlement terminal controller 201 of the settlement terminal 200 continuously executes the user terminal position identification process after detecting the user terminal 400 until the settlement process starts or ends, for example, until passing through the ticket gate where the settlement terminal 200 is installed.

[0397] The settlement terminal controller 201 of the settlement terminal 200, in parallel with the execution of secure ranging by UWB communication, selects an IC card application by UWB communication and communicates with the IC card application to perform settlement processing and the like.

[0398] (Step S711) Next, the process of step S711 shown in FIG. 36 will be described. In step S711, the settlement terminal controller 201 of the settlement terminal 200 outputs a communication request packet to the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 400 by UWB communication via the UWB communication unit 212.

[0399] This communication request packet is a UWB communication packet storing a SELECT command recording the application ID (AID = Cnt) of the UWB communication data analysis application (in-SE communication control unit) 123. The SELECT command is a command defined in ISO7816-4, which stores the application ID (AID) of the communication request target application in the packet and requests the specified application as the communication partner.

[0400] (Step S712) When the UWB communication unit 112 of the user terminal 400 receives the SELECT command packet transmitted from the settlement terminal 200 in step S711, it passes the received packet to the secure element (SE-OS) 120.

[0401] The secure element (SE-OS) 120 recognizes the SELECT command in the packet and acquires the application ID (AID = Cnt) of the communication request target application stored in the packet. This AID is the application ID (AID = Cnt) of the UWB communication data analysis application (in-SE communication control unit) 123. The secure element (SE-OS) 120 selects and activates the application corresponding to this AID = Cnt, that is, the UWB communication data analysis application (in-SE communication control unit) 123.

[0402] (Step S713) In step S712, the UWB communication data analysis app (in-SE communication control unit) 123 activated by the app selection and activation process by the secure element (SE-OS) 120 outputs an activation response indicating that it has been activated to the secure element (SE-OS) 120 in step S713.

[0403] (Step S714) The secure element (SE-OS) 120 that has received the activation response from the UWB communication data analysis app (in-SE communication control unit) 123 notifies the payment terminal 200 via the UWB communication unit 112 in step S714 that the activation process of the UWB communication data analysis app (in-SE communication control unit) 123 has been successful.

[0404] This notification data is input to the payment terminal controller 201 via the UWB communication unit 212 of the payment terminal 200, and the payment terminal controller 201 confirms that UWB communication with the UWB communication data analysis app (in-SE communication control unit) 123 of the user terminal 400 has become possible.

[0405] (Step S721) When the payment terminal controller 201 confirms that UWB communication with the UWB communication data analysis app (in-SE communication control unit) 123 of the user terminal 400 has become possible, the payment terminal controller 201 performs the following processing in step S721.

[0406] The payment terminal controller 201 transmits an inquiry command for the IC card app ID (AID) to the user terminal 400 via the UWB communication unit 212. That is, a command is transmitted to inquire about the app ID (AID) that can execute the payment process corresponding to the service provided by the payment terminal 200 (service ID = 1) by UWB communication.

[0407] Note that the AID inquiry command of this IC card application is transmitted using an APDU (Application Protocol Data Unit) defined as a packet frame available for UWB communication. An APDU is a packet frame configuration defined in ISO7816-4 and is a packet frame configuration available for UWB communication.

[0408] (Step S722) In step S722, the UWB communication unit 112 of the user terminal 400 receives the IC card application ID (AID) inquiry command transmitted by the payment terminal 200, and inputs the received command to the UWB communication data analysis application (in-SE communication control unit) 123 via the secure element OS (SE-OS) 120.

[0409] In step S711, the secure element OS (SE-OS) 120 inputs the IC card application ID (AID) inquiry command to the UWB communication data analysis application (in-SE communication control unit) 123 that has been started according to the application ID (AID = Cnt) in the SELECT command received from the payment terminal 200.

[0410] (Step S723) In step S723, the UWB communication data analysis application (in-SE communication control unit) 123 that has received the IC card application ID (AID) inquiry command transmitted by the payment terminal 200 executes the following processing.

[0411] The UWB communication data analysis application (in-SE communication control unit) 123 searches for an IC card application that can execute the service provided by the payment terminal 200 (service ID = 1) by UWB communication, and sets the searched application as the transfer destination of the UWB communication data with the payment terminal 200.

[0412] For example, referring to the IC card application registration data described above with reference to FIGS. 8 and 21, search for an IC card application that can execute the service provided by the payment terminal 200 (service ID = 1) by UWB communication.

[0413] In the example shown in FIG. 8, the application ID (AID) of the IC card application that can execute the service ID = 1 by UWB communication is AID = 12, and the UWB communication data analysis application (in-SE communication control unit) 123 sets this IC card application (IC card 2 application (AID = 12) 121b) as the transfer destination of the UWB communication data with the settlement terminal 200.

[0414] (Step S724) Next, in step S724, the UWB communication data analysis application (in-SE communication control unit) 123 generates a response packet storing the search result information (application existence / non-existence information) of the IC card application that can execute the service ID = 1 searched in step S723 by UWB communication and transmits it to the settlement terminal 200. The response packet is transmitted from the UWB communication data analysis application (in-SE communication control unit) 123 via the secure element OS (SE-OS) 120 and the UWB communication unit 112, received by the UWB communication unit 212 of the settlement terminal 200, and input to the settlement terminal controller 201.

[0415] An example of the data configuration of the response packet generated by the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 400 in response to the IC card application ID (AID) inquiry command from the settlement terminal 200 is shown in FIG. 38.

[0416] As shown in FIG. 38, the response packet is configured as a packet storing, for example, the following data. (Data D1) Existence / non-existence (existence = 1, non-existence = 0) of an IC card application capable of executing the process corresponding to the service provided by the settlement terminal 200 (service ID = 1) (Data D2) Existence / non-existence (existence = 1, non-existence = 0) of an IC card application capable of executing the service provided by the settlement terminal 200 (service ID = 1) by UWB communication (Data D3) Balance corresponding to the service provided by the settlement terminal 200 (service ID = 1) (optional) (Data D4) An IC card unique identifier (IDm) (optional) associated with an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) via UWB communication

[0417] (Data D1) indicates the presence or absence of an IC card application capable of executing the process corresponding to the service provided by the payment terminal 200 (service ID = 1), not limited to UWB communication, and sets either a value of presence = 1 or absence = 0. (Data D2) indicates the presence or absence of an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) via UWB communication, and sets either a value of presence = 1 or absence = 0.

[0418] (Data D3) and (Data D4) are optional data and are not essential. (Data D3) is the balance corresponding to the service provided by the payment terminal 200 (service ID = 1). (Data D4) is the IC card unique identifier (IDm) associated with an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) via UWB communication.

[0419] Note that the IC card unique identifier (IDm) is the unique identifier of the IC card application installed in the user terminal 400, and even for the same type of application, it is different for each user terminal. In contrast, the application ID (AID) is an ID set according to the type of application, and when the user terminals 400 are different but the applications are the same, the same ID (AID) is set.

[0420] The balance information of (Data D3), that is, the balance corresponding to the service provided by the payment terminal 200 (service ID = 1), is recorded in the secure memory within the secure element (SE) 200, and the UWB communication data analysis application (in-SE communication control unit) 123 reads the balance from the secure memory and records it in the response packet. The IC card unique identifier (IDm) of (data D4), that is, the IC card unique identifier (IDm) associated with the IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) via UWB communication, is such that the UWB communication data analysis application (in-SE communication control unit) 123 reads the attribute information of the IC card application with AID = 12 in the IC card application group 121 of the secure memory 200 and records it in the response packet.

[0421] Note that the data example of the response packet shown in FIG. 38 is an example of the response packet when the user terminal 400 has an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) via UWB communication.

[0422] When the user terminal 400 does not have an IC card application capable of executing the service provided by the payment terminal 200 (service ID = 1) via UWB communication, the response packet has a data configuration in which all of D1 to D4 shown in FIG. 38 are set to 0, for example.

[0423] In this way, the UWB communication data analysis application (in-SE communication control unit) 123 generates a response packet storing the search result information (application presence / absence information) of the IC card application with service ID = 1 that can be executed via UWB communication in step S724 and transmits it to the payment terminal 200.

[0424] (Step S725) The payment terminal controller 201 of the payment terminal 200 that has received the response packet from the user terminal 400 executes the analysis process of the received response packet in step S725. Specifically, it checks the presence or absence of an IC card application capable of executing service ID = 1 via UWB communication. Note that when balance information is recorded in the response packet, balance confirmation processing and the like are also executed.

[0425] (8-(3) Payment processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the payment terminal) Next, the settlement processing sequence by UWB communication between the UWB-compatible IC card application of the (3) user terminal and the settlement terminal will be described.

[0426] With reference to FIGS. 39 to 40, the settlement processing sequence by UWB communication between the UWB-compatible IC card application of the user terminal and the settlement terminal will be described.

[0427] In FIGS. 39 to 40, the settlement terminal 200 is shown on the left end, and the user terminal 400 is shown on the right side. As components of the settlement terminal 200, from the left, the settlement terminal controller 201, the UWB communication unit 212, the BLE communication unit 213, each of these components is shown.

[0428] On the other hand, as components of the user terminal 400, from the left, the BLE communication unit 113, the UWB communication unit 112, the secure element (SE-OS) 120, the IC card 2 application (AID = 12) 121b, the UWB communication data analysis application (in-SE communication control unit) 123, the user terminal controller (in-DH communication control unit) 101, these are shown.

[0429] The details of the processing below step S740 shown in FIGS. 39 to 40 will be sequentially described. Note that at the start of step S731, the settlement terminal 200 and the user terminal 400 have established a UWB communication session, and the settlement terminal 200 is continuing the user terminal position confirmation process that applies UWB communication.

[0430] (Step S740) First, in step S740, the settlement terminal controller 201 of the settlement terminal 200 refers to the user terminal position confirmation result by UWB communication, and checks whether the user terminal 400 has entered within a predefined specified distance, for example, within the ticket gate. If it is confirmed, the processes below step S741 (settlement process) are started.

[0431] (Step S741) After the settlement terminal controller 201 of the settlement terminal 200 confirms that the user terminal 400 has entered the specified distance, in step S741, it starts communication processing and data processing with the IC card application necessary for settlement processing, user entry permission confirmation processing, etc.

[0432] (Steps S742 - S744) The processes in steps S742 - S744 are a sequence of authentication and settlement processes that execute the communication between the settlement terminal controller 201 of the settlement terminal 200 and the IC card 2 application (AID = 12) 121b corresponding to the UWB communication of the user terminal 400 via the UWB communication data analysis application (in - SE communication control unit) 123 of the user terminal 400.

[0433] The authentication process in steps S742a - c, The data reading process from the user terminal 400 in steps S743a - c, The data writing process to the user terminal 400 in steps S744a - c, For example, this series of processes are executed.

[0434] Note that this series of processes are executed using UWB communication. For example, it is transmitted using the APDU (Application Protocol Data Unit) defined as a packet frame available for UWB communication. As described above, the APDU has a packet frame structure defined in ISO7816 - 4 and is a packet frame structure available for UWB communication.

[0435] In the data reading process from the user terminal 400 in steps S743a to c, for example, the balance information corresponding to the IC card 2 application (AID = 12) 121b is read from the secure memory in the secure element 120 of the user terminal 400.

[0436] In the data writing process to the user terminal 400 in steps S744a to c, for example, the update process of the balance information corresponding to the IC card 2 application (AID = 12) 121b in the secure memory in the secure element 120 of the user terminal 400, that is, the writing process of the updated amount with the settlement amount reduced, is executed.

[0437] (Step S745) When the series of processes in steps S742 to S744 is completed, the settlement terminal controller 201 of the settlement terminal 200 confirms the completion of the communication process and data process with the IC card application necessary for the settlement process, or the user entry permission confirmation process, etc. in step S745 and ends the process.

[0438] Note that, for example, in the case of a ticket gate, when the series of processes in steps S742 to S744 is completed, a process of opening the gate of the gate to enable the user to pass is also executed.

[0439] Next, with reference to the flowchart shown in FIG. 41, a sequence of processes executed by the UWB communication data analysis application of the user terminal 400 in response to an inquiry about the application ID (AID) of the UWB communication-compatible IC card application from the settlement terminal 200 will be described. That is, the flowchart shown in FIG. 41 is a detailed sequence of the processes executed in steps S722 to S724 shown in FIG. 37. The processes of each step of the flowchart shown in FIG. 41 will be sequentially described.

[0440] (Step S801) First, the UWB communication data analysis app (in-SE communication control unit) 123 of the user terminal 400 inputs the IC card app ID (AID) inquiry command transmitted by the payment terminal 200 in step S801.

[0441] Note that the IC card app ID (AID) inquiry command transmitted by the payment terminal 200 is input to the UWB communication data analysis app (in-SE communication control unit) 123 via the UWB communication unit 112 of the user terminal 400 and the secure element OS (SE-OS) 120.

[0442] (Step S802) The UWB communication data analysis app (in-SE communication control unit) 123 that has input the IC card app ID (AID) inquiry command transmitted by the payment terminal 200 searches for an IC card app capable of executing the services provided by the payment terminal 200 via UWB communication in step S802.

[0443] For example, referring to the UWB-compatible application registration data described above with reference to FIG. 8, search for the application ID (AID) of the IC card app capable of executing the services provided by the payment terminal 200 via UWB communication.

[0444] (Step S803) Step S803 is a determination step. In the search process in step S802, if an IC card app capable of executing the services provided by the payment terminal 200 via UWB communication is detected, proceed to step S804. On the other hand, if not detected, proceed to step S805.

[0445] (Step S804) In the search process in step S802, if an IC card app capable of executing the services provided by the payment terminal 200 via UWB communication is detected, execute the process of step S804.

[0446] In this case, the UWB communication data analysis application (in-SE communication control unit) 123 sets, in step S804, the application retrieved in the search process of step S802 as the transfer destination of the UWB communication data with the settlement terminal 200. Further, a response packet indicating that the settlement terminal 200 has an IC card application capable of executing the provided service by UWB communication is generated and transmitted to the settlement terminal 200.

[0447] The response packet generated by the UWB communication data analysis application (in-SE communication control unit) 123 is configured as a packet storing, for example, the following data described above with reference to FIG. 38. (Data D1) Presence or absence of an IC card application capable of executing the process corresponding to the service provided by the settlement terminal 200 (present = 1, absent = 0) (Data D2) Presence or absence of an IC card application capable of executing the service provided by the settlement terminal 200 by UWB communication (present = 1, absent = 0) (Data D3) Balance corresponding to the service provided by the settlement terminal 200 (optional) (Data D4) IC card unique identifier (IDm) associated with the IC card application capable of executing the service provided by the settlement terminal 200 by UWB communication (optional)

[0448] (Step S805) On the other hand, if no IC card application capable of executing the service provided by the settlement terminal 200 by UWB communication is detected in the search process in step S802, the process of step S805 is executed.

[0449] In this case, the UWB communication data analysis application (in-SE communication control unit) 123 generates, in step S805, a response packet indicating that no IC card application capable of executing the service provided by the settlement terminal 200 by UWB communication is detected and transmits it to the settlement terminal 200.

[0450] When the UWB communication data analysis application (in-SE communication control unit) 123 generates a response packet indicating that the service provided by the payment terminal 200 has an IC card application executable by UWB communication and transmits it to the payment terminal 200 at step S804, the payment terminal 200 then starts the payment process by UWB communication. Note that in this embodiment, the payment terminal 200 performs UWB communication with the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 400.

[0451] Thus, in this embodiment, the UWB communication data analysis application (in-SE communication control unit) 123 notifies the payment terminal 200 of the presence or absence information of an IC card application capable of executing the service provided by the payment terminal 200 by UWB communication without notifying the application ID (AID) of the IC card application capable of executing the service provided by the payment terminal 200 by UWB communication.

[0452] After that, the payment terminal 200 executes communication with an IC card application capable of executing the service provided by the payment terminal 200 by UWB communication via the UWB communication data analysis application (in-SE communication control unit) 123 of the user terminal 400, and performs authentication processing and payment processing by UWB communication.

[0453] With this configuration, the user terminal 400 and the payment terminal 200 can start communication and perform payment processing at a distance within several meters where UWB communication is possible without approaching within several centimeters where NFC communication is possible. For example, the user can perform payment processing without taking out the user terminal 400 such as a smartphone from the bag and can pass through gates such as ticket barriers. Also, it becomes possible to perform payment processing using a store terminal without taking out the user terminal 400 such as a smartphone.

[0454] [Regarding the hardware configuration example of the communication processing device] Next, a hardware configuration example of the communication processing device constituting the user terminal and the payment terminal of the present disclosure will be described.

[0455] FIG. 42 is a diagram showing a configuration example of the hardware of a communication processing device that constitutes a user terminal or a settlement terminal of the present disclosure.

[0456] The hardware configuration shown in FIG. 42 will be described. A CPU (Central Processing Unit) 501 functions as a control unit and a data processing unit that executes various processes according to programs stored in a ROM (Read Only Memory) 502 or a storage unit 508. For example, it executes processes according to the sequences described in the above-described embodiments. Programs and data executed by the CPU 501 are stored in a RAM (Random Access Memory) 503. These CPU 501, ROM 502, and RAM 503 are interconnected by a bus 504.

[0457] The CPU 501 is connected to an input / output interface 505 via the bus 504. An input unit 506 composed of various switches, a UI, a keyboard, a mouse, a microphone, a camera, etc., and an output unit 507 composed of a display, a speaker, etc. are connected to the input / output interface 505. The CPU 501 executes various processes in response to commands input from the input unit 506 and outputs the processing results to, for example, the output unit 507.

[0458] The storage unit 508 connected to the input / output interface 505 is composed of, for example, a flash memory, a hard disk, etc., and stores programs and various data executed by the CPU 501. The communication unit 509 functions as a transmission / reception unit for data communication via networks such as Wi-Fi communication, Bluetooth (registered trademark) (BT) communication, UWB communication, and other Internet and local area networks, and communicates with external devices.

[0459] A drive 510 connected to the input / output interface 505 drives a removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory such as a memory card, and executes data recording or reading.

[0460] [Summary of the Configuration of the Present Disclosure] As described above, the embodiments of the present disclosure have been described in detail with reference to specific examples. However, it is obvious that those skilled in the art can modify or substitute the examples without departing from the gist of the present disclosure. That is, the present invention has been disclosed in the form of examples and should not be construed in a limited manner. To determine the gist of the present disclosure, the claims section should be referred to.

[0461] Note that the technology disclosed in this specification can be configured as follows. (1) Execute a search process to determine whether the own device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to a specific communication method based on received data from an external device. If a specific communication method - compatible IC card application is detected as a result of the search process, notify the external device of the search result. A communication processing device having a communication control unit that causes the external device and the detected specific communication method - compatible IC card application to perform data processing involving communication according to the specific communication method.

[0462] (2) The communication control unit If a specific communication method - compatible IC card application is detected as a result of the search process, notify the external device of the application ID (AID) of the detected specific communication method - compatible IC card application. The communication processing device according to (1).

[0463] (3) The communication control unit Receive a select command storing the application ID (AID) of the specific communication method - compatible IC card application from the external device. Execute a process of determining the IC card application to be activated according to the application ID (AID) stored in the received select command. The communication processing device according to (2).

[0464] (4) The IC card application is an IC card application stored in the secure memory, and the communication control unit outputs the application ID (AID) obtained from the select command to the secure memory OS that executes activation control of the IC card application stored in the secure memory (3). The communication processing device described above.

[0465] (5) The secure memory OS executes activation processing of the IC card application corresponding to the application ID (AID) input from the communication control unit (4). The communication processing device described above.

[0466] (6) After the communication control unit activates the IC card application corresponding to the specific communication method, without performing relay processing of communication data between the external device and the IC card application corresponding to the specific communication method, causes the external device and the IC card application corresponding to the specific communication method to perform communication processing (1)-(5). The communication processing device described in any one of the above.

[0467] (7) After the communication control unit activates the IC card application corresponding to the specific communication method, performs relay processing of communication data between the external device and the IC card application corresponding to the specific communication method (1)-(6). The communication processing device described in any one of the above.

[0468] (8) The communication data between the external device and the IC card application corresponding to the specific communication method is communication data conforming to the UWB (Ultra Wide Band) communication method or the BLE (Bluetooth Low Energy) communication method, and the communication control unit performs relay processing of communication data conforming to the UWB communication method or the BLE communication method (7). The communication processing device described above.

[0469] (9) The communication control unit When a specific communication method - compatible IC card application is detected as a result of the search process, set the detected specific communication method - compatible IC card application as the communication partner with the external device according to the specific communication method. The communication processing device according to any one of (1) to (8).

[0470] (10) The communication control unit When a specific communication method - compatible IC card application is detected as a result of the search process, notify the external device of application existence information indicating that it has a specific communication method - compatible IC card application. The communication processing device according to any one of (1) to (9).

[0471] (11) The specific communication method is a UWB (Ultra Wide Band) communication method, and the communication control unit executes a search process for a UWB communication method - compatible IC card application. The communication processing device according to any one of (1) to (10).

[0472] (12) The IC card application is an IC card application stored in a secure memory, and the communication control unit is a communication control unit configured within the secure memory. The communication processing device according to any one of (1) to (11).

[0473] (13) The IC card application is an IC card application stored in a secure memory, and the communication control unit is a communication control unit configured outside the secure memory. The communication processing device according to any one of (1) to (12).

[0474] (14) The communication processing device It has a memory that stores application registration data in which the specific communication method-compatible IC card application is registered. The communication control unit executes a search process for determining whether it has a specific communication method-compatible IC card application by referring to the application registration data. The communication processing device according to any one of (1) to (13).

[0475] (15) The external device is a payment terminal, The communication processing device executes a payment process by communicating with the payment terminal. The communication processing device according to any one of (1) to (14).

[0476] (16) A communication processing system having a user terminal and a payment terminal, wherein the user terminal executes a search process for determining whether it has a specific communication method-compatible IC card application capable of performing data processing involving communication according to a specific communication method based on received data from the payment terminal, and when a specific communication method-compatible IC card application is detected as a result of the search process, transmits the search process result to the payment terminal, wherein the payment terminal after receiving the search process result, transmits a data processing request designating the specific communication method-compatible IC card application as a communication partner to the user terminal, wherein the user terminal executes data processing using communication data according to the specific communication method between the payment terminal and the specific communication method-compatible IC card application in response to the data processing request from the payment terminal. The communication processing system.

[0477] (17) The user terminal when a specific communication method-compatible IC card application is detected as a result of the search process, transmits the application ID (AID) of the detected specific communication method-compatible IC card application to the payment terminal, wherein the payment terminal Send a select command storing the application ID (AID) of the specific communication method - compatible IC card application to the user terminal, The user terminal, Determine and activate an IC card application to be activated according to the application ID (AID) stored in the select command received from the payment terminal (16) The communication processing system described.

[0478] (18) A communication control method executed in a communication processing device, The communication control unit, Based on the received data from an external device, execute a search process to determine whether the device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to the specific communication method, If a specific communication method - compatible IC card application is detected as a result of the search process, notify the external device of the search process result, A communication control method for causing the external device and the detected specific communication method - compatible IC card application to perform data processing involving communication according to the specific communication method.

[0479] (19) A communication control method executed in a communication processing system having a user terminal and a payment terminal, The user terminal, Based on the received data from the payment terminal, execute a search process to determine whether the device has a specific communication method - compatible IC card application capable of performing data processing involving communication according to the specific communication method, If a specific communication method - compatible IC card application is detected as a result of the search process, send the search process result to the payment terminal, The payment terminal, After receiving the search process result, send a data processing request specifying the specific communication method - compatible IC card application as the communication partner to the user terminal, The user terminal, A communication control method for executing data processing using communication data according to a specific communication method between the payment terminal and the specific communication method-compatible IC card application in response to a data processing request from the payment terminal.

[0480] (20) A program for causing an information processing apparatus to execute information processing, in a communication control unit, a search process for determining whether the own apparatus has a specific communication method-compatible IC card application capable of executing data processing involving communication according to a specific communication method based on received data from an external device; if a specific communication method-compatible IC card application is detected as a result of the search process, a process of notifying the external device of the search process result; A program for causing the external device and the detected specific communication method-compatible IC card application to execute data processing involving communication according to the specific communication method.

[0481] Also, a series of processes described in the specification can be executed by hardware, software, or a combined configuration of both. When executing the process by software, a program recording the process sequence is installed in the memory in a computer incorporated in dedicated hardware and executed, or the program can be installed in a general-purpose computer capable of executing various processes and executed. For example, the program can be pre-recorded on a recording medium. In addition to installing from the recording medium into the computer, the program can be received via a network such as a LAN (Local Area Network) or the Internet and installed in a recording medium such as a built-in hard disk.

[0482] In addition, the various processes described in the specification are not only executed in time series according to the description, but may also be executed in parallel or individually according to the processing capacity of the device that executes the processes or as necessary. Also, in this specification, a system is a logical set configuration of a plurality of devices, and is not limited to those in which the devices of each configuration are in the same housing.

Industrial Applicability

[0483] As described above, according to the configuration of an embodiment of the present disclosure, when a user terminal such as a smartphone having a plurality of IC card applications performs a settlement process using communication data such as UWB communication other than NFC communication with a settlement device such as a ticket gate or a store terminal, a configuration is realized in which the user terminal selects an IC card application corresponding to the settlement device to be used for the settlement process. Specifically, for example, the user terminal receives data from a settlement device such as a ticket gate or a store terminal, and executes a search process to determine whether it has a specific communication method - compatible IC card application that can process communication data according to a specific communication method such as UWB communication based on the received data, obtains the identifier (AID) of the detected application, and transmits it to the settlement device. The settlement device transmits a select command storing the AID received from the user terminal to the user terminal, and the user terminal activates the IC card application according to the select command. When a user terminal such as a smartphone having a plurality of IC card applications performs a settlement process using communication data such as UWB communication other than NFC communication with a settlement device such as a ticket gate or a store terminal, the user terminal selects an IC card application corresponding to the settlement device to be used for the settlement process. With this configuration, when a user terminal such as a smartphone having a plurality of IC card applications performs a settlement process using communication data such as UWB communication other than NFC communication with a settlement device such as a ticket gate or a store terminal, a configuration is realized in which the user terminal selects an IC card application corresponding to the settlement device to be used for the settlement process.

Explanation of Signs

[0484] 10 User terminal 11 IC card application 20 Secure Element (SE) 22 Secure Memory 31 NFC Communication Unit 32 Command Analysis Unit 33 IC Card Application Group 50 Payment Terminal 51 Payment Terminal Controller 52 NFC Communication Unit 100, 300, 400 User Terminal 101 User Terminal Controller (DH Internal Communication Control Unit) 111 NFC Communication Unit 112 UWB Communication Unit 113 BLE Communication Unit 120 Secure Element 121 IC Card Application Group 122 Command Analysis Unit 123 UWB Communication Data Analysis Application (SE Internal Communication Control Unit) 200 Payment Terminal 201 Payment Terminal Controller 211 NFC Communication Unit 212 UWB Communication Unit 213 BLE Communication Unit 501 CPU 502 ROM 503 RAM 504 Bus 505 Input / Output Interface 506 Input Unit 507 Output Unit 508 Storage Unit 509 Communication Unit 510 Drive 511 Removable Media

Claims

1. Execute a search process to determine whether the self-device has a specific communication method-compatible IC card application capable of performing data processing involving communication according to a specific communication method based on received data from an external device. If, as a result of the search process, a specific communication method-compatible IC card application is detected, Notify the external device that it has a specific communication method-compatible IC card application capable of data processing for the received data from the external device. If a specific communication method-compatible IC card application is not detected, Notify the external device of the presence or absence of a second communication method-compatible IC card application other than the specific communication method capable of data processing for the received data from the external device. If a specific communication method-compatible IC card application is detected, further, A communication processing device having a communication control unit that causes the external device and the detected specific communication method-compatible IC card application to perform data processing involving communication according to the specific communication method.

2. The communication control unit, If, as a result of the search process, a specific communication method-compatible IC card application is detected, notify the external device of the application ID (AID) of the detected specific communication method-compatible IC card application. The communication processing device according to claim 1.

3. The communication control unit, Receive a select command storing the application ID (AID) of the specific communication method-compatible IC card application from the external device, Execute a process of determining the IC card application to be activated according to the application ID (AID) stored in the received select command. The communication processing device according to claim 2.

4. The IC card application is An IC card application stored in a secure memory, The communication control unit, Output the application ID (AID) obtained from the select command to the secure memory OS that executes activation control of the IC card application stored in the secure memory. The communication processing device according to claim 3.

5. The secure memory OS, Execute an activation process of the IC card application corresponding to the application ID (AID) input from the communication control unit. The communication processing device according to claim 4.

6. The communication control unit, After starting the specific communication method-compatible IC card application, The communication processing apparatus according to claim 1, which causes the external device to execute communication processing with the specific communication method-compatible IC card application without performing relay processing of communication data between the external device and the specific communication method-compatible IC card application. **Claim 7** The communication control unit After starting the specific communication method-compatible IC card application, The communication processing apparatus according to claim 1, which performs relay processing of communication data between the external device and the specific communication method-compatible IC card application. **Claim 8** The communication data between the external device and the specific communication method-compatible IC card application is communication data according to a UWB (Ultra Wide Band) communication method or a BLE (Bluetooth Low Energy) communication method, The communication control unit The communication processing apparatus according to claim 7, which performs relay processing of communication data according to a UWB communication method or a BLE communication method. **Claim 9** The communication control unit When, as a result of the search processing, a specific communication method-compatible IC card application is detected, The communication processing apparatus according to claim 1, which sets the detected specific communication method-compatible IC card application as a communication partner with the external device according to the specific communication method. **Claim 10** The communication control unit When, as a result of the search processing, a specific communication method-compatible IC card application is detected, the communication processing apparatus according to claim 1, which notifies the external device of application presence information indicating that the external device has the specific communication method-compatible IC card application. **Claim 11** The specific communication method is a UWB (Ultra Wide Band) communication method, The communication control unit The communication processing apparatus according to claim 1, which performs a search process for a UWB communication method-compatible IC card application. **Claim 12** The IC card application is an IC card application stored in a secure memory, The communication control unit The communication processing apparatus according to claim 1, which is a communication control unit configured in the secure memory. **Claim 13** The IC card application is an IC card application stored in a secure memory, The communication control unit The communication processing apparatus according to claim 1, which is a communication control unit configured outside the secure memory. **Claim 14** The communication processing apparatus It has a memory that stores application registration data in which the specific communication method-compatible IC card application is registered. The communication control unit The communication processing apparatus according to claim 1, which executes a search process for determining whether or not there is a specific communication method-compatible IC card application by referring to the application registration data.

15. The external device is a settlement terminal, The communication processing apparatus according to claim 1, which executes a settlement process by communicating with the settlement terminal.

16. A communication processing system having a user terminal and a settlement terminal, The user terminal executes a search process for determining whether or not it has a specific communication method-compatible IC card application capable of performing data processing involving communication according to a specific communication method based on received data from the settlement terminal. If, as a result of the search process, a specific communication method-compatible IC card application is detected, it notifies the settlement terminal that it has a specific communication method-compatible IC card application capable of processing the received data from the settlement terminal. If no specific communication method-compatible IC card application is detected, it notifies the settlement terminal of the presence or absence of a second communication method-compatible IC card application other than the specific communication method capable of processing the received data from the settlement terminal. If a specific communication method-compatible IC card application is detected, the settlement terminal after receiving the search process result, transmits a data processing request designating the specific communication method-compatible IC card application as a communication partner to the user terminal. The user terminal executes data processing using communication data according to the specific communication method between the settlement terminal and the specific communication method-compatible IC card application in response to the data processing request from the settlement terminal. A communication processing system.

17. The user terminal If, as a result of the search process, a specific communication method-compatible IC card application is detected, it transmits the application ID (AID) of the detected specific communication method-compatible IC card application to the settlement terminal. The settlement terminal transmits a select command storing the application ID (AID) of the specific communication method-compatible IC card application to the user terminal. The user terminal The communication processing system according to claim 16, which determines and activates an IC card application to be activated according to the application ID (AID) stored in the select command received from the settlement terminal.

18. A communication control method executed in a communication processing apparatus, wherein a communication control unit performs a search process to determine whether the own apparatus has a specific communication method-compatible IC card application capable of executing data processing involving communication according to a specific communication method based on reception data from an external device, if a specific communication method-compatible IC card application is detected as a result of the search process, notifies the external device that it has a specific communication method-compatible IC card application capable of data processing for the reception data from the external device, if no specific communication method-compatible IC card application is detected, notifies the external device of the presence or absence of a second communication method-compatible IC card application other than the specific communication method capable of data processing for the reception data from the external device, if a specific communication method-compatible IC card application is detected, further A communication control method for causing the external device and the detected specific communication method-compatible IC card application to execute data processing involving communication according to the specific communication method.

19. A communication control method executed in a communication processing system having a user terminal and a settlement terminal, wherein the user terminal performs a search process to determine whether the own apparatus has a specific communication method-compatible IC card application capable of executing data processing involving communication according to a specific communication method based on reception data from the settlement terminal, if a specific communication method-compatible IC card application is detected as a result of the search process, notifies the settlement terminal that it has a specific communication method-compatible IC card application capable of data processing for the reception data from the settlement terminal, if no specific communication method-compatible IC card application is detected, notifies the settlement terminal of the presence or absence of a second communication method-compatible IC card application other than the specific communication method capable of data processing for the reception data from the settlement terminal, if a specific communication method-compatible IC card application is detected, the settlement terminal after receiving the search process result, transmits a data processing request designating the specific communication method-compatible IC card application as a communication partner to the user terminal, the user terminal A communication control method for executing data processing using communication data according to a specific communication method between the payment terminal and the specific communication method-compatible IC card application in response to a data processing request from the payment terminal.

20. A program for causing an information processing apparatus to execute information processing, in a communication control unit, a search process for determining whether the own apparatus has a specific communication method-compatible IC card application capable of executing data processing involving communication according to a specific communication method based on received data from an external device; when a specific communication method-compatible IC card application is detected as a result of the search process, a process of notifying the external device that it has a specific communication method-compatible IC card application capable of processing the received data from the external device; when a specific communication method-compatible IC card application is not detected, a process of notifying the external device of the presence or absence of a second communication method-compatible IC card application other than the specific communication method capable of processing the received data from the external device; further, when a specific communication method-compatible IC card application is detected, a program for causing data processing involving communication according to the specific communication method to be executed between the external device and the detected specific communication method-compatible IC card application.

Images