JP6573267B1 - Information processing terminal, information processing apparatus, information processing system, information processing method, and program - Google Patents

Abstract

[PROBLEMS] To simplify the registration work of a settlement means in a communication service contract. An acquisition unit for acquiring payment identification information by reading a predetermined payment medium and acquiring authentication data by receiving input of authentication data of the predetermined payment medium; and payment identification information For transmitting to the information processing apparatus 10 a payment means registration request for requesting registration of the information as a payment means for communication service costs using the information processing terminal 30, payment identification information, and authentication data. 32, an information processing terminal 30. [Selection] Figure 1

Description

  The present invention relates to an information processing terminal, an information processing apparatus, an information processing system, an information processing method, and a program.

  If a user wants to receive a communication service using a terminal such as a smart phone, the user registers a payment method for communication service costs such as a bank account number and credit card number through exchange with the shop clerk at a shop operated by the communication service provider. It is necessary to have you do. For example, Patent Document 1 describes a telephone network system that allows a communication fee to be withdrawn from a bank account designated by a user without possessing coins or the like. In the telephone network system, the user presents a bank account for deducting the communication fee and a certificate that can authenticate the person in advance to the sales office of the telecommunications carrier, and a personal identification number such as a personal identification number is assigned to the personal authentication function. It is necessary to register in the personal authentication database.

Japanese Patent Laid-Open No. 2002-300325

  However, registration of settlement means through shop clerk is complicated and often takes a long time. Further, since registration is performed by a human hand, there is a possibility that an input error of information may occur. Furthermore, recently, the number of foreign tourists is increasing rapidly, but it is important for the development of the tourism industry to enable foreign tourists to easily make terminal contracts in Japan.

  SUMMARY OF THE INVENTION An object of the present invention is to provide an information processing terminal and program capable of simplifying the registration work of a settlement means in a communication service contract.

  An information processing terminal according to one aspect of the present invention acquires identification information for payment by reading a predetermined payment medium, and acquires authentication data by receiving input of authentication data for the predetermined payment medium A payment means registration request for requesting registration of the payment identification information as a payment means for communication service using the information processing terminal, the payment identification information, and the authentication data to the information processing apparatus. A transmission unit for transmission.

  According to this aspect, it becomes possible to register the settlement means in the communication service contract without involving a shop clerk or the like. For this reason, the registration work of the settlement means in the communication service contract is simplified.

  According to the present invention, it is possible to provide an information processing terminal, an information processing apparatus, an information processing system, an information processing method, and a program capable of simplifying the registration operation of a settlement means in a communication service contract.

It is a conceptual diagram for demonstrating the method of registering the payment means required for the contract of a communication service by the new method by this invention using a terminal. It is a figure which shows an example of a structure of the communication system 1 which concerns on embodiment of this invention. 2 is a schematic diagram showing a functional configuration of a communication management server 10. FIG. It is a figure which shows an example of a contract information management table. 2 is a schematic diagram showing a functional configuration of a settlement identification information management server 20. FIG. It is a figure which shows an example of an account management table. It is a figure which shows an example of a credit management table. 3 is a schematic diagram showing a functional configuration of a terminal 30. FIG. It is a figure which shows an example of the operation | movement sequence of the registration process of the payment means by the communication system 1 which concerns on embodiment of this invention. It is a figure which shows an example of a reading instruction | indication screen. It is a figure which shows an example of a PIN code input screen. It is a figure which shows an example of a face information input screen. It is a figure which shows an example of a registered notification screen. 2 is a schematic diagram showing a functional configuration of a settlement medium 40. FIG.

  A preferred embodiment of the present invention will be described with reference to the accompanying drawings. (In addition, in each figure, what attached | subjected the same code | symbol has the same or similar structure.)

(1) New Payment Means Registration Method Using Terminal FIG. 1 is a conceptual diagram for explaining a method for registering payment means necessary for a communication service contract using a new method according to the present invention using a terminal. The upper part of FIG. 1 is a conceptual diagram for explaining a conventional payment means registration method using a terminal, and the lower part of FIG. 1 is a conceptual diagram for explaining a new payment means registration technique using a terminal. .

  As shown in the upper part of FIG. 1, conventionally, a user registers a settlement means through an exchange with a shop clerk in a shop that makes a communication service contract. Specifically, the user enters information such as identification information for settlement such as a credit card number or an account number of a bank account in an entry form given by a shop clerk. The shop clerk then enters the information into the computer while viewing the information entered on the entry form by the user, sends the entered information to the server, and requests that the payment identification information be registered as a payment means. . The server transfers the received settlement identification information to an institution system that manages credit cards and bank accounts, and requests authentication of the settlement identification information. When the institution system replies with a predetermined authentication result, the server stores the settlement identification information in association with a predetermined telephone number in the storage unit. Then, the server notifies the shop computer that the communication service can be used. Through the above procedure, the terminal can use the communication service.

  As described above, in the conventional method, it is necessary for the user to enter information such as identification information for settlement on the entry form, and the shop clerk needs to input the information to the computer, which takes a lot of time. . Moreover, since these operations are performed by humans, there is a possibility that mistakes in entry and input may occur.

  As shown in the lower part of FIG. 1, in the present invention, the user inserts or closes his / her own payment card such as a credit card or cash card into the terminal, and settles the credit card number, bank account number or the like to the terminal. Get identification information. Then, the terminal transmits a registration request for requesting registration of the acquired identification information for settlement as a settlement means for communication service costs to the server. When the server receives the registration request, the server authenticates the authentication related to the settlement identification information included in the registration request to an institution system (for example, an institution system of a credit card company or an institution system of a bank) that manages the identification information for settlement. Request. When the institution system performs predetermined authentication and returns a positive authentication result, the server stores the settlement identification information in the storage unit in association with the predetermined telephone number. Then, the server notifies the terminal that the communication service can be used. Through the above procedure, the terminal can use the communication service.

  As described above, in the present invention, the user can register the communication service payment means and make the terminal usable only by causing the terminal to read the payment medium such as his / her credit card or cash card. it can. Thereby, in the present invention, it is not necessary to go through the shop clerk in the contract for the communication service, and the work such as filling in the filling form or inputting into the computer is not necessary. Therefore, it is possible to simplify the registration work of the settlement means in the communication service contract.

(2) System Configuration (2-1) Overview of Configuration FIG. 2 is a diagram illustrating an example of the configuration of the communication system 1 according to the embodiment of the present invention. As disclosed in FIG. 2, in the communication system 1, the communication management server 10, the payment identification information management server 20, and at least one terminal 30 can transmit and receive information to and from each other via the communication network N. Connected to. The communication network N may be a wired network or a wireless network. The communication network N includes, but is not limited to, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), Wireless LAN (WLAN), wide area network (WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public switched telephone network ( Part of Public Switched Telephone Network (PSTN), mobile phone networks, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), Private LTE, CDMA (Code Division Multiple Access), Bluetooth (registered trademark) )), Mamoru And communication, or it may include combinations of two or more thereof. The communication network N can include one or more communication networks. The communication management server 10 is, for example, a server used by a communication service administrator, and is a server for managing various types of information of users who use the communication service. The settlement identification information management server 20 is a server used by a financial institution such as a credit card company or a bank, for example, and manages a user's settlement identification information. The terminal 30 is, for example, an information processing terminal used by a user, and is a terminal that can use the communication service described above by performing a predetermined registration process. The terminal 30 may be configured such that a payment medium such as a credit card or a cash card can be combined (for example, inserted into the terminal 30). The terminal 30 requests to register the identification information for payment as a payment means for the cost of the communication service in the communication management server 10 after acquiring the identification information for payment by reading the combined or close payment medium. The settlement means registration request to be sent can be transmitted. Then, when the communication management server 10 performs the settlement means registration process, the user can use the communication service using the terminal 30.

(2-2) Functional configuration (2-2-1) Communication management server 10
FIG. 3 is a schematic diagram illustrating a functional configuration of the communication management server 10. As illustrated in FIG. 3, the communication management server 10 includes, for example, a storage unit 11, a communication unit 12, and a control unit 13.

  The storage unit 11 includes, for example, at least one of a semiconductor memory, a magnetic disk device, and an optical disk device. The storage unit 11 stores a driver program, an operating system program, an application program, data, and the like used for processing by the control unit 13. The computer program may be installed in the storage unit 11 using a known setup program or the like from a computer-readable portable recording medium such as a CD-ROM or DVD-ROM. The storage unit 11 stores a contract information management table shown in FIG. 4 as data.

  The contract information management table will be described with reference to FIG. The contract information management table is a table for managing contract contents of users of communication services. As shown in FIG. 4, in the contract information management table, for example, “contractor ID”, “terminal ID”, “phone number”, “settlement means”, and “contract contents” are associated with each other. It is recorded. “Contractor ID” is an ID for identifying a contractor, and may be, for example, an IMSI (International Mobile Subscriber Identity) corresponding to the SIM card stored in the terminal 30. The terminal ID is an ID for identifying the terminal 30 and may be, for example, IMEI (International Mobile Equipment Identity). The said terminal ID may be stored in the memory | storage part 31 of the terminal 30 mentioned later. Alternatively, the terminal ID may be an ID unique to a medium such as IMSI (International Mobile Subscriber Identity) assigned to a medium such as a SIM (Subscriber Identity Module) card stored in the terminal 30. The telephone number is a telephone number managed by a communication service administrator. The settlement means is information indicating a means for paying the communication service cost. The settlement means is identification information for settlement such as a credit card number for credit payment and a bank account number for account transfer. The cost of the communication service is withdrawn at a predetermined cycle, for example, by means described in the settlement means. “Contract contents” is information indicating the contents of contracts for communication services, and includes, for example, basic charges, Internet connection basic charges, packet flat-rate charges, call unit prices, packet communication unit prices, all-you-can-eat plans, and the like.

  The communication unit 12 includes a communication interface circuit for connecting the communication management server 10 to the communication network N. The communication unit 12 supplies data received from another information processing apparatus such as the settlement identification information management server 20 and the terminal 30 to the control unit 13.

  The control unit 13 includes one or a plurality of processors and their peripheral circuits. The control unit 13 controls the overall operation of the communication management server 10, and is, for example, a CPU (Central Processing Unit). The control unit 13 controls the operation of the communication unit 12 and the like so that various processes of the communication management server 10 are executed in an appropriate procedure according to a program or the like stored in the storage unit 11. The control unit 13 executes processing based on programs (driver program, operating system program, application program, etc.) stored in the storage unit 11. The control unit 13 can execute a plurality of programs (such as application programs) in parallel.

  The control unit 13 includes, for example, an authentication request unit 131 and a table update unit 132. In response to the payment means registration request received from the terminal 30, the authentication request unit 131 executes processing for requesting the payment identification information management server 20 to authenticate the payment identification information. The table updating unit 132 updates the contract information management table by registering settlement identification information or the like in the contract information management table.

(2-2-2) Settlement identification information management server 20
FIG. 5 is a schematic diagram showing a functional configuration of the settlement identification information management server 20. As described above, the settlement identification information management server 20 is a server used by a financial institution such as a credit card company or a bank, and is a server for managing a user's settlement means. As illustrated in FIG. 5, the settlement identification information management server 20 includes, for example, a storage unit 21, a communication unit 22, and a control unit 23.

  The storage unit 21 includes, for example, at least one of a semiconductor memory, a magnetic disk device, and an optical disk device. The storage unit 21 stores a driver program, an operating system program, an application program, data, and the like used for processing by the control unit 23. The computer program may be installed in the storage unit 21 using a known setup program or the like from a computer-readable portable recording medium such as a CD-ROM or DVD-ROM. When the settlement identification information management server 20 is a server used by a bank, the storage unit 21 stores an account management table or the like shown in FIG. 6 as data. When the settlement identification information management server 20 is a server used by a credit card company, the storage unit 21 stores a credit management table or the like shown in FIG. 7 as data.

  The account management table will be described with reference to FIG. The account management table is a table for managing information related to bank accounts. As shown in FIG. 6, in the account management table, for example, “bank account number”, “authentication data”, “usage details”, “name”, “address”, and the like are recorded in association with each other. The “bank account number” is identification information for identifying an account, and may include, for example, information indicating the type of account (for example, normal, current, regular, etc.), the account number itself, and the like. The “authentication data” is authentication data necessary for accessing a bank account, and may include, for example, face information of the account holder as face authentication data in addition to a password. “Usage details” is information indicating details regarding transactions such as bank transfer, withdrawal, and deposit. “Name” is information indicating the name of the account holder. “Address” is information indicating the address of the account holder.

  The credit management table will be described with reference to FIG. The credit management table is a table for managing information related to credit cards. As shown in FIG. 7, in the credit management table, for example, “credit card number”, “account information”, “authentication data”, “use details”, “name”, “address”, and the like are associated with each other. It is recorded. The “credit card number” is identification information for identifying a credit card. “Account information” includes information related to the account associated with the credit card number. The information may include, for example, information indicating the type of the account (for example, normal, current, regular, etc.), the account number itself, and the like. “Authentication data” is authentication data necessary for accessing a credit card, and may include, for example, face information of the account holder as face authentication data in addition to a password. “Usage details” is information indicating details relating to transactions such as transfer, withdrawal, and deposit of the credit card. “Name” is information indicating the name of the credit card holder. “Address” is information indicating the address of the credit card holder.

  The communication unit 22 includes a communication interface circuit for connecting the settlement identification information management server 20 to the communication network N. The communication unit 22 supplies data received from another information processing apparatus such as the communication management server 10 to the control unit 23.

  The control unit 23 includes one or a plurality of processors and their peripheral circuits. The control unit 23 controls the overall operation of the settlement identification information management server 20, and is, for example, a CPU (Central Processing Unit). The control unit 23 controls the operation of the communication unit 22 and the like so that various processes of the settlement identification information management server 20 are executed in an appropriate procedure according to a program stored in the storage unit 21. The control unit 23 executes processing based on programs (driver program, operating system program, application program, etc.) stored in the storage unit 21. The control unit 23 can execute a plurality of programs (such as application programs) in parallel.

  For example, the control unit 23 includes an authentication unit 231. When the authentication unit 231 receives an authentication request from the communication management server 10, the authentication unit 231 refers to the account management table and authenticates the authentication data received from the communication management server 10 in the account management table or the credit management table. Authentication is executed, and the result of the authentication is transmitted to the communication management server 10.

(2-2-4) Terminal 30
FIG. 8 is a schematic diagram illustrating a functional configuration of the terminal 30. As illustrated in FIG. 8, the terminal 30 includes, for example, a medium insertion unit 30I, a storage unit 31, a communication unit 32, an operation unit 33, a display unit 34, a control unit 35, an imaging unit 36, and a reading unit. 37.

  For example, the above-described terminal ID (for example, the above-mentioned IMEI) assigned by the terminal manufacturer is attached to the terminal 30. In addition, the terminal 30 stores, for example, a SIM card with a contractor ID (for example, the above-mentioned IMSI) for identifying the above-mentioned contractor.

  The medium insertion unit 30I is an example of a coupling unit for coupling with a settlement medium such as a credit card or a cash card, which is provided in the casing of the terminal 30 or the like. Specifically, the medium insertion part 30I is an opening part into which a payment medium such as a credit card or a cash card can be inserted. The terminal 30 is not limited to the medium insertion unit 30I, and may have a coupling unit realized by another mechanism as long as it is a mechanism that can be coupled to a settlement medium. Since the terminal 30 itself is provided with the coupling part (insertion part) of the payment medium, not the cover or case of the terminal 30, the payment medium can be managed easily and safely. The terminal 30 may not have the medium insertion unit 30I.

  The storage unit 31 includes, for example, a semiconductor memory device. The storage unit 31 stores an operating system program, a driver program, an application program, data, and the like used for processing in the control unit 35. Various programs may be installed in the storage unit 31 using a known setup program or the like from a computer-readable portable recording medium such as a CD-ROM or a DVD-ROM. The storage unit 31 stores a terminal ID such as the above IMEI and a contractor ID such as the above IMSI.

  The communication unit 32 includes a communication interface circuit and connects the terminal 30 to the communication network N. The communication unit 32 transmits the data supplied from the control unit 35 via the communication network N to the communication management server 10 or the like. Further, the communication unit 32 supplies data received from the communication management server 10 or the like via the communication network N to the control unit 35.

  The operation unit 33 may be any device as long as the terminal 30 can be operated, such as a touch panel or a key button. The user can input characters, numbers, symbols, and the like using the operation unit 33. When operated by the user, the operation unit 33 generates a signal corresponding to the operation. The generated signal is supplied to the control unit 35 as a user instruction.

  The display unit 34 may be any device as long as it can display images, images, and the like, and is, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display. The display unit 34 displays a video corresponding to the video data supplied from the control unit 35, an image corresponding to the image data, and the like.

  The control unit 35 includes one or a plurality of processors and their peripheral circuits. The control unit 35 controls the overall operation of the terminal 30 and is, for example, a CPU. The control unit 35 operates the communication unit 32, the display unit 34, and the like so that various processes of the terminal 30 are executed in an appropriate procedure based on a program stored in the storage unit 31, an operation of the operation unit 33, and the like. To control. The control unit 35 executes processing based on programs (operating system program, driver program, application program, etc.) stored in the storage unit 31. Further, the control unit 35 can execute a plurality of programs (such as application programs) in parallel.

  The control unit 35 includes, for example, an acquisition unit 351, a registration request processing unit 352, and a display control unit 353. For example, the acquisition unit 351 controls the reading unit 37 to read a payment medium such as a credit card or a cash card inserted into the medium insertion unit 30I. For example, the registration request processing unit 352 transmits a settlement means registration request to the communication management server 10. For example, the display control unit 353 causes the display unit 34 to display various screens based on the display data.

  The imaging unit 36 is a camera having an imaging element composed of, for example, a CMOS sensor, and generates an image by imaging. For example, the image is used for acquiring face information of a user for face authentication.

  The reading unit 37 can read information stored in a payment medium such as a credit card or a cash card inserted into the medium insertion unit 30I or close to the terminal 30 by generating a predetermined electromagnetic wave, for example. It is a circuit module. The reading unit 37 acquires a credit card number and a bank account number by reading a payment medium such as a credit card or a cash card, and supplies the credit card number or bank account number to the control unit 35. The communication method between the reading unit 37 and the settlement medium is not particularly limited. For example, at least one of any short-range wireless communication standards (for example, Bluetooth, infrared communication, NFC, and Felica (Type A, Type B)) is used. May be included.

(3) Operation Process FIG. 9 is a diagram showing an example of an operation sequence of the settlement means registration process by the communication system 1 according to the embodiment of the present invention.

  First, the display control unit 353 of the terminal 30 causes the display unit 34 to display a reading instruction screen for instructing the reading of the settlement medium based on the display data stored in the storage unit 31 (S1). FIG. 10 is a diagram illustrating an example of a reading instruction screen. As shown in FIG. 7, the reading instruction screen displays instructions such as “Please insert the payment medium” and “Please bring the payment medium close” to prompt the insertion of a payment medium such as a credit card or cash card. .

  Next, when the user inserts a payment medium such as a credit card or a cash card owned by the user into the medium insertion unit 30I of the terminal 30 or approaches the terminal 30 in accordance with the instructions displayed on the registration screen, the terminal 30 The acquisition unit 351 controls the reading unit 37 to read a payment medium such as a credit card or a cash card inserted into the medium insertion unit 30I or close to the terminal 30 (S2). Thereby, the acquisition unit 351 acquires the identification information (credit card number, bank account number, etc.) for payment corresponding to the payment medium inserted into the medium insertion unit 30I or close to the terminal 30, and the acquired payment information The identification information is supplied to the control unit 35.

  Next, the display control unit 353 of the terminal 30 causes the display unit 34 to display a screen for inputting authentication data. For example, the display control unit 353 displays the password input screen on the display unit 34 (S3). FIG. 11 is a diagram illustrating an example of a password input screen. As shown in FIG. 8, on the password input screen, for example, an instruction such as “Please enter the password” prompting the user to input the password as the authentication data and an input section for the password are displayed. . The user can input a personal identification number by operating the operation unit 33 of the terminal 30.

  Or the display control part 353 of the terminal 30 displays the face information input screen shown in FIG. 12 on the display part 34 (S3). As shown in FIG. 12, on the face information input screen, for example, an instruction such as “Please shoot a face” that prompts the user to take a face image for face authentication as authentication data is displayed. The user can take an image of his / her face with the imaging unit 36 of the terminal 30. Thereby, face information for face authentication is input.

  Next, according to the instructions displayed on the personal identification number input screen, the user inputs the personal identification number of a settlement medium such as a credit card or cash card inserted into the medium insertion unit 30I or close to the terminal 30 via the operation unit 33. Then, the acquisition unit 351 of the terminal 30 receives the input and acquires a personal identification number (S4). When the face authentication screen is displayed on the display unit 34 instead of the password input screen, when the user captures his / her face using the imaging unit 36, the registration request processing unit 352 of the terminal 30 displays the imaging unit. The user's face information is acquired based on the image generated by 36 (S4).

  Next, the registration request processing unit 352 of the terminal 30 includes the terminal ID and the contractor ID stored in the storage unit 31, the payment identification information acquired in S2, the authentication data acquired in S4, and the payment The means registration request is transmitted to the communication management server 10 (S5).

  Next, the authentication request unit 131 of the communication management server 10 transmits an authentication request to the payment identification information management server 20 in response to the payment means registration request received from the terminal 30 (S6). At this time, along with the authentication request, the authentication request unit 131 transmits the settlement identification information acquired in S2 and the authentication data acquired in S4 to the settlement identification information management server 20.

  Next, when receiving the authentication request from the communication management server 10, the authentication unit 231 of the payment identification information management server 20 is associated with the payment identification information received from the communication management server 10 in the account management table or the credit management table. It is determined whether the authentication data matches the authentication data received from the communication management server 10. If they match, a positive authentication result is transmitted to the communication management server 10 (S7). The authentication unit 231 includes authentication data associated with the settlement identification information included in the authentication request received from the communication management server 10 in the account management table or credit management table, and authentication data received from the communication management server 10. Are determined not to match, a negative authentication result is transmitted to the communication management server 10.

  Next, when the table updating unit 132 of the communication management server 10 receives a positive authentication result from the settlement identification information management server 20, it registers a settlement unit (S8). Specifically, the table updating unit 132 registers the contract information management table in association with the settlement identification information received from the terminal 30, the contractor ID and the terminal ID received from the terminal 30, and a predetermined telephone number. .

  Next, the table updating unit 132 of the communication management server 10 transmits a registered notification for notifying that the settlement means has been registered to the terminal 30 (S9). The control unit 13 of the communication management server 10 may further generate a recommendation for a communication service contract plan. The recommendation may be generated based on, for example, the usage details acquired from the settlement identification information management server 20. More specifically, by extracting at least one contract plan suitable for the user based on usage details (account balance, transaction history, etc.) and user attribute information (age, gender, nationality, etc.) The recommendation may be generated.

  Next, when receiving the registered notification from the communication management server 10, the display control unit 353 of the terminal 30 displays the registered notification screen on the display unit 34 (S10). FIG. 13 is a diagram illustrating an example of a registered notification screen. As shown in FIG. 13, the registered notification screen may include, for example, the fact that the registration of the payment means has been completed and a registered telephone number. Further, the display control unit 353 of the terminal 30 may display a recommendation of contract contents such as a contract plan of the communication service in the registered notification screen or other screen. When the user selects the desired contract content from the recommended contract content displayed on the display unit 34, the terminal 30 may transmit a notification related to the selected contract content to the communication management server 10. Upon receiving the notification, the communication management server 10 may register the selected contract content included in the notification in the contract information management table. Thus, the operation process of the communication system 1 is completed.

(4) Others Payment media such as credit cards and cash cards may have a battery, a communication function, and the like. In addition, the settlement medium may be an IC card or the like that can perform biometric authentication using a fingerprint or the like and personal authentication by inputting a personal identification number. A configuration may be adopted in which the payment medium can be read by the reading unit 37 of the terminal 30 in step S2 described above on the condition that the payment medium itself has completed biometric authentication or personal authentication by inputting a personal identification number. . Below, the structure of the payment medium 40 and the operation | movement process of the terminal 30 and the payment medium 40 for implement | achieving the said structure are demonstrated.

(4-1) Configuration of Payment Medium FIG. 14 is a schematic diagram showing a functional configuration of the payment medium 40. As illustrated in FIG. 14, the settlement medium 40 includes, for example, a storage unit 41, a communication unit 42, an operation unit 43, a display unit 44, a control unit 45, and an input unit 46.

  The storage unit 41 includes, for example, a semiconductor memory device. The storage unit 41 stores an operating system program, a driver program, an application program, data, and the like used for processing in the control unit 45. The storage unit 41 stores a password related to the payment medium 40 and information for biometric authentication.

  The communication unit 42 includes a communication interface circuit, and connects the settlement medium 40 to the communication network N. The communication unit 42 transmits the data supplied from the control unit 45 via the communication network N to the communication management server 10 or the like. Further, the communication unit 42 supplies data received from the communication management server 10 or the like via the communication network N to the control unit 45.

  The display unit 44 may be any device as long as it can display images, images, and the like, and is, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display. The display unit 44 displays a video corresponding to the video data supplied from the control unit 45, an image corresponding to the image data, and the like. Alternatively, the display unit 44 may be a device that can be turned on, such as an LED.

  The control unit 45 includes one or a plurality of processors and their peripheral circuits. The control unit 45 controls the overall operation of the settlement medium 40, and is, for example, a CPU. The control unit 45 includes a communication unit 42, a display unit 44, and the like so that various processes of the payment medium 40 are executed in an appropriate procedure based on a program stored in the storage unit 41, an operation of the operation unit 43, and the like. Control the behavior. The control unit 45 executes processing based on programs (operating system program, driver program, application program, etc.) stored in the storage unit 41. Further, the control unit 45 can execute a plurality of programs (such as application programs) in parallel.

  The control unit 45 includes, for example, an authentication unit 451 and a display control unit 452. The authentication unit 451 checks the password number information or biometric authentication information supplied from the input unit 46, which will be described later, with the password number related to the payment medium 40 stored in the storage unit 41 or the biometric authentication information. The user authentication process is executed. For example, the display control unit 452 displays various screens on the display unit 44 based on the display data.

  The input unit 46 may be, for example, a touch panel or a key button that can input characters, numbers, symbols, or the like as a password. Alternatively, the input unit 46 may be a sensor that receives input of biometric authentication information that can identify fingerprints, retinas, irises, blood vessels (vein patterns), voices, faces, and the like. The input unit 46 supplies the control unit 45 with a signal indicating the received personal identification number information or biometric authentication information.

(4-2) Operation Process In step S2 described above, first, the input unit 46 of the settlement medium 40 receives an input of a personal identification number or biometric authentication information by the user. Then, the authentication unit 451 of the payment medium 40 uses the personal identification number information or biometric authentication information supplied from the input unit 46 as the personal identification number related to the payment medium 40 stored in the storage unit 41 or the biometric authentication information. The user authentication process is executed by collating with the information. Then, when the personal identification number information or the biometric authentication information supplied from the input unit 46 matches the personal identification number related to the payment medium 40 stored in the storage unit 41 or the biometric authentication information, the user can If the authentication is successful, the authentication unit 451 permits the acquisition unit 351 of the terminal 30 to read the payment medium 40.

  As described above, the information processing terminal according to the present invention acquires identification information for settlement means settlement means settlement by reading a predetermined settlement medium, and authenticates by receiving input of authentication data for the predetermined settlement medium. A payment means registration request for requesting registration of a data acquisition unit, a payment means payment identification information payment means as a payment means for communication service costs using an information processing terminal, and a payment means payment identification. A transmission unit that transmits information and a payment means registration request including authentication data to the information processing apparatus. As a result, it becomes possible to register the payment means in the communication service contract without involving a shop clerk or the like. For this reason, the registration work of the settlement means in the communication service contract is simplified.

  The embodiments described above are for facilitating the understanding of the present invention, and are not intended to limit the present invention. Each element included in the embodiment and its arrangement, material, condition, shape, size, and the like are not limited to those illustrated, and can be changed as appropriate. In addition, the structures shown in different embodiments can be partially replaced or combined.

  DESCRIPTION OF SYMBOLS 1 ... Communication system, 10 ... Communication management server, 11 ... Memory | storage part, 12 ... Communication part, 13 ... Control part, 131 ... Authentication request part, 132 ... Table update part, 20 ... Identification information management server for payment, 21 ... Memory | storage , 22: communication unit, 23 ... control unit, 231 ... authentication unit, 232 ... account information processing unit, 30 ... terminal, 30I ... medium insertion unit, 31 ... storage unit, 32 ... communication unit, 33 ... operation unit, 34 Display unit 35 Control unit 351 Account ID acquisition unit 352 Registration request processing unit 353 Display control unit 36 Imaging unit 37 Reading unit

Claims (9)

An information processing terminal configured to store a SIM card,
By reading the credit card or the cash card, the identification information for settlement related to the credit card or the cash card is obtained, and the authentication data is received by receiving the input of the authentication data related to the credit card or the cash card. An acquisition unit to acquire;
A payment means registration request for requesting registration of the payment identification information as a payment means for communication service costs using the information processing terminal, the payment identification information, and the authentication data. A transmitter for transmitting to the device;
A receiving unit for receiving a recommendation of the contract content generated based on the payment means from the information processing apparatus;
A display control unit that controls display of the received recommendation of the contract content on a display unit ,
The recommendation of the contract content is an information processing terminal including at least one contract plan generated based on usage details and / or attribute information about a user of the communication service . The information processing terminal according to claim 1, wherein the authentication data includes a password corresponding to the credit card or the cash card . The information processing terminal according to claim 1 or 2, wherein the authentication data includes face information of a holder of the credit card or the cash card . The information processing terminal according to any one of claims 1 to 3 , wherein the transmission unit further transmits a terminal ID for identifying the information processing terminal. The information processing terminal according to any one of claims 1 to 4 , further comprising a coupling unit coupled to the credit card or the cash card . The information processing terminal according to claim 5 , wherein the coupling unit is an insertion unit for inserting the credit card or the cash card . In an information processing terminal configured to store a SIM card,
By reading the credit card or the cash card, the identification information for settlement related to the credit card or the cash card is obtained, and the authentication data is received by receiving the input of the authentication data related to the credit card or the cash card. A step to obtain,
A payment means registration request for requesting registration of the payment identification information as a payment means for communication service costs using the information processing terminal, the payment identification information, and the authentication data. Transmitting to the device;
Receiving, from the information processing apparatus, a recommendation of contract details generated based on the settlement means;
A step of controlling display of the received recommendation of the contract content on a display unit ;
The recommendation of the contract contents includes at least one contract plan generated based on usage details and / or attribute information about a user of the communication service . An information processing system comprising an information processing terminal and an information processing device,
The information processing terminal
Configured to store a SIM card,
By reading the credit card or the cash card, the identification information for settlement related to the credit card or the cash card is obtained, and the authentication data is received by receiving the input of the authentication data related to the credit card or the cash card. An acquisition unit to acquire;
A settlement means registration request for registering the settlement identification information as a settlement means for a cost of a communication service using the information processing terminal; the settlement identification information; and the authentication data. includes a transmit section and that sends to the processing unit,
The information processing apparatus includes:
A transmit unit that sends the authentication request of the authentication data to the other information processing apparatus,
A receiving unit that receives an authentication result of the authentication data from the other information processing apparatus;
If the authentication result is affirmative, a registration unit that registers the settlement means as a settlement means for a cost of a communication service using the information processing terminal;
Control for generating a recommendation for a contract content including at least one contract plan based on usage details and / or attribute information for a user of the communication service, which is a recommendation for the contract content generated based on the settlement means And
A transmission unit that transmits a recommendation of the generated contract content to the information processing terminal;
Bei to give a,
The information processing terminal further includes:
A receiving unit for receiving a recommendation of the contract content from the information processing apparatus;
An information processing system comprising: a display control unit that controls display of the received recommendation of the contract content on a display unit . An information processing apparatus,
Registering the identification information for settlement related to the credit card or the cash card obtained by reading the credit card or the cash card from the information processing terminal as a settlement means for the cost of the communication service using the information processing terminal. A receiving means for receiving the payment means registration request for requesting, the identification information for payment, and the authentication data;
A transmission unit that transmits an authentication request for the authentication data to another information processing apparatus;
A receiving unit that receives a result of authentication by the authentication data from the other information processing apparatus;
If the result is affirmative, a registration unit that registers the settlement means as a settlement means for the cost of a communication service using the information processing terminal;
Control for generating a recommendation for a contract content including at least one contract plan based on usage details and / or attribute information for a user of the communication service, which is a recommendation for the contract content generated based on the settlement means And
A transmission unit that transmits a recommendation of the generated contract content to the information processing terminal;
Ru with an information processing apparatus.

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