JP2009099076A - Portable terminal device and portable terminal transaction program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To obtain a portable terminal device automatically selecting the most suitable electronic money type for settlement from a plurality of electronic money types. <P>SOLUTION: In a control part 100, an electronic money type usable in a store is received by non-contact data communication with a reader-writer 20b of a store device at electronic money settlement (step S49), an electronic money type usable in the store and having a remaining value larger than an amount to be used (a settlement amount) is searched from an electronic money management table T2 stored in an electric money management table storing part 102b of a RAM 102 (steps S59-S61), an electronic money type with the most remaining value is selected when there are a plurality of relevant electronic money types (step S64), and the electronic money type most suitable for settlement is automatically selected from the plurality of electronic money types since electronic money settlement is carried out by the selected electronic money type. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a portable terminal device and a portable terminal processing program for automatically selecting the most suitable electronic money type for settlement from among a plurality of electronic money types.

A portable terminal device called “Osaifu-Keitai (registered trademark)” which is equipped with a non-contact IC chip and implements an electronic money service in a prepaid manner is becoming widespread. As this type of device, for example, Patent Document 1 discloses a terminal device that has a plurality of electronic money types and has a function of performing electronic money settlement with a type of electronic money selected from among them. Has been.

JP 2006-301780 A

  By the way, in the apparatus disclosed in Patent Document 1, the user selects an electronic money type to be used for payment from among a plurality of electronic money types, and the selected electronic money type is used at a cash register terminal (POS terminal). If the electronic money type is different from the possible electronic money type, the electronic money type that can be used at the cash register terminal must be selected again, resulting in a troublesome operation.

  Therefore, in order to avoid this bothersomeness, it is possible not to select one of a plurality of electronic money types in advance, but to make it available for any electronic money type. By doing so, for example, in a situation where the points (the cash value) returned to the user according to the payment amount differ for each electronic money type, the point return rate is possible even though the electronic money type with a high point return rate can be settled. Inconveniences such as payment with an electronic money type that is not intended by the user may occur, such as when a low electronic money type is selected and used for payment. In other words, there is a problem that it is not possible to automatically select the most suitable electronic money type for settlement from among a plurality of electronic money types.

  The present invention has been made in view of such circumstances, and provides a portable terminal device and a portable terminal processing program capable of automatically selecting the most suitable electronic money type for payment from a plurality of electronic money types. It is intended to provide.

  In order to achieve the above object, according to the first aspect of the present invention, in a portable terminal device having an electronic money settlement function using a plurality of electronic money types, a usage status storage for storing a money usage status for each of the plurality of electronic money types. Means for comparing the money usage status of each electronic money type stored in the usage status storage means, and a selection means for selecting the electronic money type used for settlement according to the comparison result of the comparison means, Setting means for setting the electronic money settlement function of the electronic money type selected by the selection means to an executable state.

  In the invention according to claim 2 subordinate to claim 1, the comparing means compares electronic money balances for each electronic money type stored in the usage status storing means, and the selecting means is compared. The electronic money type used for payment is selected according to the amount of electronic money balance for each electronic money type.

  The invention according to claim 3 dependent on claim 1 further comprises an acquisition means for acquiring a usage amount for electronic money settlement, wherein the comparison means uses the usage amount acquired by the acquisition means and the usage status storage means. The electronic money balance stored in the electronic money type is compared with each other, and the selecting means selects an electronic money type having a larger electronic money balance than the usage amount.

  In the invention according to claim 4 subordinate to claim 1, the comparison means compares the usage histories for each electronic money type stored in the usage status storage means, and the selection means uses the electronic data used last time. It is characterized by selecting a money type.

  The invention according to claim 5 dependent on claim 4 is characterized in that the selection means selects an electronic money type used for settlement according to the number of times of use for each electronic money type.

  The invention according to claim 6 subordinate to claim 1 further comprises store information acquisition means for acquiring store information representing a store using electronic money, wherein the comparison means is the store acquired by the store information acquisition means. The information and the use store history for each electronic money type stored in the usage status storage means are compared, and the selection means selects an electronic money type that has been used in a store that uses electronic money. Features.

  In the invention according to claim 7, which is dependent on claim 6, the selection means selects the electronic money type having the highest number of usages among electronic money types that have been used in stores that use electronic money. It is characterized by.

  The invention according to claim 8, which is dependent on claim 1, further comprises money type information acquisition means for acquiring electronic money type information representing an electronic money type that can be used in a store that uses electronic money, wherein the comparison means comprises: And comparing the money usage status of the electronic money type specified by the electronic money type information acquired by the money information acquisition means among the plurality of electronic money types stored in the usage status storage means. .

  In the invention according to claim 9, which is dependent on claim 1, the comparison means is used when the electronic money application is activated, when unlocking the electronic money payment function is executable, and when executing the electronic money payment function. It is characterized by comparing the money usage status for each of a plurality of electronic money types stored in the status storage means.

  In the invention according to claim 10 that is dependent on claim 1, when the setting means sets the electronic money settlement function of the electronic money type selected by the selection means to be executable, a message to that effect is given to the user. An informing means for informing is provided.

  In the invention according to claim 11 subordinate to claim 1, the setting means has mode selection means for selecting whether or not to set the automatic setting mode, and the mode selection means selects the automatic setting mode. Is characterized in that the electronic money settlement function of the electronic money type selected by the selection means is automatically set to a state where it can be executed.

In invention of Claim 12, the privilege information storage means which memorize | stores the privilege information showing the use privilege provided when using electronic money within the designated period for every some electronic money type, and an electronic money are utilized. In comparison, the use benefit of each electronic money type at the current date and time is compared based on the benefit information for each electronic money type stored in the privilege information storage means, and the best use from the comparison result of the comparison means It comprises selection means for selecting an electronic money type of a privilege, and setting means for setting the electronic money settlement function of the electronic money type selected by the selection means to an executable state.

In the invention according to claim 13, store money type acquisition means for acquiring a store money type representing an electronic money type that can be used in a store, and electronic money for electronic money settlement from among a plurality of available electronic money types If the selection means for selecting the payment money type to be a seed, the store money type acquired by the store money type acquisition means and the payment money type selected by the selection means are different, A discriminating means for discriminating whether or not there is an electronic money type that matches the store money type among the available electronic money types; and an informing means for informing the discrimination result of the discriminating means. To do.

  In the invention according to claim 14 subordinate to claim 13, when it is determined that there is electronic money that matches the store money type among the available electronic money types other than the payment money type, The informing means informs a user that the electronic money settlement is changed to the matching electronic money type.

  In the invention according to claim 15 dependent on the above-mentioned claim 14, when the notification means performs a change instruction operation by the user after notifying that the electronic money type matching the store money type is changed and making an electronic money settlement The apparatus further comprises a money type changing means for changing an electronic money type matching the store money type to a payment money type.

  In the invention according to claim 16 that is dependent on claim 13, when the determination means determines that there is no electronic money that matches the store money type among the available electronic money types other than the payment money type. The notification means notifies the user that electronic money cannot be used in the store.

The invention according to claim 17 is a program executed in a portable terminal device having an electronic money settlement function based on a plurality of electronic money types, wherein the usage status storage stores the money usage status for each of the plurality of electronic money types. Processing, comparison processing for comparing the money usage status of each electronic money type stored by the usage status storage processing, and selection processing for selecting the electronic money type used for settlement according to the comparison result of the comparison processing, A setting process for setting the electronic money settlement function of the electronic money type selected by the selection process to an executable state is executed by a computer.

In the invention described in claim 18, privilege information storage processing for storing, for each of a plurality of electronic money types, privilege information representing a use privilege given when electronic money is used within a specified period is stored in a computer. , The comparison process of comparing the use privilege of each electronic money type at the current date and time based on the privilege information for each electronic money type stored in the privilege information storage process, and the comparison result of the comparison process And a setting process for setting the electronic money settlement function of the electronic money type selected by the selection process to an executable state is executed. .

In the invention according to claim 19, a store money type acquisition process for acquiring a store money type representing an electronic money type that can be used in a store, and electronic money settlement among a plurality of available electronic money types. If the selection process for selecting the payment money type to be the electronic money type of the store and the store money type acquired by the store money type acquisition process are different from the payment money type selected by the selection process, other than the payment money type Executing a determination process for determining whether or not there is an electronic money type that matches the store money type among other available electronic money types, and a notification process for notifying a determination result of the determination process It is characterized by.

  According to the present invention, it is possible to automatically select the most suitable electronic money type for settlement from among a plurality of electronic money types.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
A. Constitution
(1) System Configuration FIG. 1 is a system configuration diagram for explaining an outline of main functions of the mobile phone 10 according to the present embodiment. The mobile phone 10 has a mobile radio communication function and a mail transmission / reception function. When a call is made using the mobile radio communication function, the mobile phone 10 makes a call to the originating exchange SW via the registered base station BS. In response to the outgoing call, the originating side exchange SW switches the terminating side exchange SW based on the called party number (subscriber number) and location registration information inquired from a subscriber registration server (not shown) provided in the wireless communication network RN. Call. The called-side exchange SW calls the called-side mobile phone 10 (not shown) via the called-side base station BS, and when the called-side side responds to the incoming call, the calling-side exchange SW and the called-side exchange are exchanged. A link with the SW is established and communication becomes possible.

  Mail transmitted from the mobile phone 10 using the mail transmission / reception function is transmitted to a mail server (not shown) on the Internet via a base station BS, an exchange SW, and a gateway server (not shown) provided in the wireless communication network RN. Is done. The mail server is configured to send mail to the mobile phone 10 having the destination mail address through the reverse route.

The mobile phone 10 uses the mobile wireless communication function described above to access the electronic money service management device 30 (service provider) on the network via the wireless communication network RN to implement the electronic money settlement function. A function of downloading application software (hereinafter abbreviated as an electronic money application) is provided. The mobile phone 10 supports a plurality of electronic money types by using this download function to download an electronic money application of a corresponding electronic money type from the electronic money service management device 30 of each service provider with different electronic money types. The electronic money settlement function can be executed.

The mobile phone 10 has an electronic money settlement function implemented by an electronic money application, an online charge function, an electronic money type extraction function and an electronic money type automatic selection function according to the gist of the present invention. The online charge function refers to the electronic money service management device 30 on the network, that is, the electronic of the service provider that provides the electronic money service of the type of electronic money that is desired to be used, via the wireless communication network RN, using the mobile wireless communication function described above. Connected to the money service management device 30 and access-authenticated based on authentication information (for example, prepaid number) stored in a self-contained non-contact IC chip (described later), and then the charge amount (payment amount) On the other hand, it refers to the function of updating the electronic money balance stored in the self-contained non-contact IC chip in accordance with the instruction generated by the management device 30 in response to this.

The electronic money type extraction function included in the mobile phone 10 can be used in a store including the store apparatus 20 illustrated in FIG. The store apparatus 20 includes a cash register terminal 20a (POS terminal), a reader / writer 20b, and a reader / writer 20c. The cash register terminal 20a controls the read / write operations of the reader / writer 20b and the reader / writer 20c that perform non-contact data communication with the mobile phone 10, and data necessary for electronic money settlement with the electronic money service management device 30 via the network. Give and receive.

The reader / writer 20b is integrated with the cash register terminal 20a, for example, and exchanges data necessary for electronic money settlement with a non-contact IC chip (described later) included in the mobile phone 10 under the control of the cash register terminal 20a. To do. The reader / writer 20c is provided, for example, in the vicinity of an automatic door at the entrance of a store, and can be used money indicating a store code and a type of electronic money that can be used in the store for a non-contact IC chip provided in the mobile phone 10 when the customer enters the store. Store data including the seed code is sent. When the mobile phone 10 enters a store equipped with the store device 20 having the above-described configuration, the mobile phone 10 receives store data sent from the reader / writer 20c, executes an electronic money type extraction function, and stores a store code from the received store data. And extract available money type codes.

The electronic money type automatic selection function takes into account the usage status of each electronic money type used in the store specified by the store code based on the store code and the available money type code obtained by the electronic money type extraction function described above. Use automatically received from the reader / writer 20b of the store device 20 when the electronic money type to be used is not set when the electronic money type most suitable for payment is automatically selected or the electronic money payment function is executed. It refers to a function that automatically selects the most suitable electronic money type for settlement based on the available money type code, taking into account the usage status of each available electronic money type.

When the electronic money payment function is executed, contactless payment is performed by holding the mobile phone 10 over the reader / writer 20b integrated with the cash register terminal 20a. Then, the payment data received by the reader / writer 20b from the contactless IC chip of the mobile phone 10 is sent to the electronic money service management device 30 by the cashier terminal 20a via the network, whereby electronic money settlement is performed. The electronic money balance after settlement follows the reverse path to the above and is sent from the reader / writer 20b to the contactless IC chip of the mobile phone 10 and stored.

(2) Configuration of Mobile Phone 10 Next, the configuration of the mobile phone 10 will be described with reference to FIG. In FIG. 2, the control unit 100 includes a CPU, an input / output circuit, and the like, and controls the operation of each unit according to an event supplied from an operation unit 108 (described later). A characteristic processing operation of the control unit 100 according to the gist of the present invention will be described in detail later.

  The ROM 101 includes a program area and a data area. Various programs executed by the control unit 100 are stored in the program area of the ROM 101. The various programs mentioned here include a main routine that will be described in detail later. In the data area of the ROM 101, screen data for forming various display screens such as a standby screen is stored in addition to control data referred to by a predetermined program.

  The RAM 102 is a store for each electronic money that is referred to when the electronic money type extraction function or the electronic money type automatic selection function described above is executed in addition to a work area that temporarily stores various register / flag data used for the processing of the control unit 100. A use table storage unit 102a, an electronic money management table storage unit 102b, an electronic money use history table storage unit 102c, a privilege table storage unit 102d, and a store code search table storage unit 102e are provided. The configuration of each table stored in the storage units 102a to 102e will be described later.

  The wireless communication transmitting / receiving unit 103 exchanges data with the base station BS through the antenna ANT1 under the control of the control unit 100 during data communication, and the control unit 100 receives and demodulates voice data received and demodulated through the antenna ANT1 during voice communication. On the other hand, the transmission signal obtained by modulating the audio data supplied from the control unit 100 is amplified by high frequency and transmitted from the antenna ANT1.

Under the control of the control unit 100, the GPS signal receiving unit 104 generates position information (latitude LT, longitude LG) indicating the current position based on the GPS signal received via the antenna ANT2, and outputs the position information to the control unit 100. . The non-contact IC unit 105 includes a non-contact IC chip (for example, Felica chip (registered trademark)), and is not electromagnetically coupled to the reader / writer 20b or the reader / writer 20c of the store apparatus 20 (see FIG. 1) via the antenna ANT3. Perform contact data communication. The non-contact IC unit 105 generates an activation event when it is activated in response to electromagnetic coupling and outputs it to the control unit 100, and supplies data received from the reader / writer side through non-contact data communication to the control unit 100. To do. The non-contact IC chip included in the non-contact IC unit 105 stores authentication information such as a prepaid number and electronic money balance information.

  The audio signal processing unit 106 includes a speaker SP and a microphone MIC. The audio data supplied from the control unit 100 is D / A converted into an audio signal to generate sound from the speaker SP, or an audio signal output from the microphone MIC is output. The audio data is A / D converted and supplied to the control unit 100. The display unit 107 includes a color liquid crystal panel and a display driver, and displays various screens such as a standby screen under the control of the control unit 100.

The operation unit 108 includes a power switch for turning on / off power, an off-hook / on-hook switch operated at the start / end of a call, and various operation keys such as a character input switch also serving as a dial switch, as well as an electronic money application selection operation and an application described later Various operation buttons for performing a download operation, an electronic money type selection operation, and a lock release operation are provided, and an event corresponding to the operation of these keys and buttons is generated and output to the control unit 100.

(3) Configuration of RAM 102 Next, a store usage table storage unit 102a classified by electronic money, an electronic money management table storage unit 102b, an electronic money use history table storage unit 102c, and benefits provided in the RAM 102 with reference to FIGS. The data structure of the table storage unit 102d and the store code search table storage unit 102e will be described.

a. Data structure of store usage table storage unit 102a classified by electronic money Store usage table storage unit 102a classified by electronic money stores an example of store use table T1 classified by electronic money shown in FIG. For each “electronic money type” that can be used with the mobile phone 10, a “store code” and a “usage count” representing the used store are registered in the electronic money store use table T 1.

Such a store usage table by electronic money T1 is referred to when the electronic money type automatic selection function described above is executed. Specifically, when the corresponding electronic money type (used electronic money type) is read from the table T1 in accordance with the store code received from the reader / writer 20c of the store apparatus 20, there are a plurality of read electronic money types. The electronic money type having the highest usage count among the usage counts corresponding to them is selected.

b. Data Configuration of Electronic Money Management Table Storage Unit 102b The electronic money management table storage unit 102b stores an example of the electronic money management table T2 illustrated in FIG. In the electronic money management table T2, “electronic money balance”, “cumulative points”, and “use count” for each “electronic money type” that can be used in the mobile phone 10 are registered. The electronic money management table T2 is referred to when the electronic money type automatic selection function described above is executed. Specifically, the electronic money balance of each electronic money type corresponding to the available money type code received from the reader / writer 20b of the store apparatus 20 is read from the electronic money management table T2, and the electronic money balance having the largest electronic money balance among them is read. Select the money type.

The electronic money management table T2 is also referred to when an electronic money type is selected by a user operation (electronic money type selection operation). For example, when “balance priority” is set as the selection condition, the electronic money type with the largest electronic money balance is extracted as a selection candidate from the electronic money management table T2. When “use count” is set as the selection condition, the electronic money type having the highest use count is extracted from the electronic money management table T2 as a selection candidate.

c. Data Configuration of Electronic Money Usage History Table Storage Unit 102c The electronic money usage history table storage unit 102c stores an example of the electronic money usage history table T3 illustrated in FIG. In the electronic money use history table T3, “use date and time” indicating the date and time when electronic money is settled, “electronic money type” and “use amount (payment amount)” used, and “store code” indicating the store where electronic money is settled are stored. be registered. In this embodiment, the electronic money usage history table T3 is provided in the electronic money usage history table storage unit 102c of the RAM 102. However, the present invention is not limited to this, and the electronic money is included in the non-contact IC chip provided in the non-contact IC unit 105. The usage history table T3 may be provided.

d. Data configuration of privilege table storage unit 102d The privilege table storage unit 102d stores an example privilege table T4 illustrated in FIG. In the privilege table T4, for each “electronic money type” that can be used on the mobile phone 10, a “preferential point multiplying factor” representing the content of the privilege, a “period”, “day of the week”, and “time zone” in which the privilege is valid are registered. Is done. For example, in the privilege table T4 shown in FIG. 6, in the case of the electronic money type A in which one point is usually returned for every 100 yen paid, during the privilege period (in the morning of every Saturday from July to August) When electronic money settlement is used, it represents a privilege that gives 3 times more preferential points than normal points.

e. Data Configuration of Store Code Search Table Storage Unit 102e Store code search table storage unit 102e stores an example store code search table T5 illustrated in FIG. In the store code search table T5, store location information (latitude LT, longitude LG) indicating the location of each store where electronic money settlement is possible and a store code are registered in association with each other. This store code search table T5 is referred to when searching for a store code based on position information (latitude LT, longitude LG) output from the GPS signal receiving unit 104.

B. Action
Next, the operation of the main routine executed by the control unit 100 of the mobile phone 10 will be described with reference to FIGS. 8 to 13 are flowcharts showing the operation of the main routine, and FIG. 14 is a view showing an example of the money type change guidance screen displayed on the display unit 107 in step S54 (see FIG. 13) of the main routine.

First, when the mobile phone 10 is powered on by the user's power-on operation, the control unit 100 advances the processing to step S1 of the main routine shown in FIG. In step S1, a stand-by process for entering a stand-by state is performed after the position registration control sequence is executed to register the position on the radio communication network RN side. Thereby, a standby screen (not shown) is displayed on the display unit 107.

  Subsequently, in steps S2 to S6, it is determined whether or not there are events of “incoming call detection”, “electronic money operation”, “non-contact IC section activation”, “other operation”, and “power-off operation”, respectively. If these events do not occur, the determination results in steps S2 to S6 are all “NO”, and the apparatus stands by in the standby state in step S1. When any of the above events occurs in the standby state, a process corresponding to the generated event is executed. Hereinafter, the operation will be described separately for each event.

(1) When an incoming call is detected
When an incoming call is detected, the determination result in step S2 shown in FIG. 8 is “YES”, and the process proceeds to step S7 to notify the incoming call and determine whether or not an off-hook operation has been performed during the incoming call notification. If the off-hook operation is not performed during the incoming call notification, the determination result is “NO”, and the standby state of step S1 is restored.

  On the other hand, if an off-hook operation is performed during the incoming call notification, the determination result in step S7 is “YES”, and the process proceeds to step S8, where a call process is executed to start a call by connecting the line with the calling party. Next, in step S9, it is determined whether or not there is an on-hook operation. If the on-hook operation is not performed, the determination result in step S9 is “NO”, and the call processing in step S8 is continued. However, if the on-hook operation is performed, the determination result in step S9 is “YES”, and step S10 is performed. Proceed to In step S10, a disconnection process for disconnecting the line in response to the on-hook operation is executed, and then the process returns to the standby state in step S1.

(2) When electronic money is operated
When an operation related to electronic money is performed, the determination result in step S3 is “YES”. In steps S11 to S12 illustrated in FIG. 9, the operations related to electronic money are “electronic money application selection operation” and “unlock operation”. And “other operation”. Hereinafter, the operation will be described separately for each of the cases of “a. Electronic money application selection operation”, “b. Unlock operation”, and “c. Other operations”.

a. When Electronic Money Application Selection Operation is Performed In this case, the determination result in step S11 shown in FIG. 9 is “YES”, and the process proceeds to step S13 to select a menu. Menu selection is a function item that is displayed on a menu screen (not shown) that can be activated under the electronic money application selection operation (application download, electronic money type selection and other processing), and is activated on this menu screen. Indicates an operation for selecting. Hereinafter, the description will be divided into an operation when “download application” is selected by menu selection and an operation when “electronic money type selection” is selected.

In addition, in the menu selection, when any other than the above “application download” and “electronic money type selection” is selected, the determination results in steps S14 and S20 are both “NO”, and the process proceeds to step S21. Perform other processing. The other processing is, for example, processing for receiving information for updating the registration contents of the privilege table T4 stored in the privilege table storage unit 102d of the RAM 102 from the electronic money service management apparatus 30 (see FIG. 1) on the network. Point to. When the other processes are completed, the process returns to the standby state in step S1 (see FIG. 8).

a-1. When application download is selected When “application download” is selected in the menu selection in step S13, the determination result in step S14 is “YES”, and the process proceeds to step S15, where electronic money of downloadable money type is selected. An application menu listing the names of money applications is displayed on the display unit 107 on the screen. In step S16, the name of the money type electronic money application to be downloaded is selected from the names of money type electronic money applications displayed in the application menu.

If it does so, it will progress to step S17 and will connect with the electronic money service management apparatus 30 (refer FIG. 1) of the service provider which provides the electronic money application of the selected money kind, and will transmit a download request. In step S18, the electronic money application downloaded from the electronic money service management device 30 is received in response to the download request. In the subsequent step S19, the electronic money application downloaded and received is additionally set so that it can be executed. It returns to the standby state of step S1 (see FIG. 8).

a-2. When electronic money type selection is selected When “electronic money type selection” is selected in the menu selection in step S13, the determination result in step S20 is “YES”, and the process proceeds to step S22 shown in FIG. move on. In step S22, it is determined whether or not it is an automatic setting mode for automatically selecting an electronic money type used for electronic money settlement. Hereinafter, the operation will be described separately for the case where the mode is not the automatic setting mode and the case where the automatic setting mode is used.

<When not in automatic setting mode>
If the mode is not the automatic setting mode, the determination result in step S22 is “NO”, the process proceeds to step S23, and all electronic money types that can be used in the mobile phone 10 are displayed on the display unit 107 as selection candidates. Thereafter, the process proceeds to step S33 illustrated in FIG. 11, and when entering a store including the store apparatus 20 illustrated in FIG. 1, the money type code (store data) that can be used from the reader / writer 20c of the store apparatus 20 is displayed. Is received.

If the available money type code has not been received, the determination result is “NO”, and the flow proceeds to step S35 described later. On the other hand, if the available money type code is received, the determination result in step S33 is “YES”, and the flow proceeds to step S34. In step S34, the selection candidates listed in step S23 (see FIG. 10), that is, among all the electronic money types that can be used on the mobile phone 10, are specified by the received available money type code and can be used at the store. New electronic money types are re-extracted as selection candidates.

  Subsequently, in step S35, if an available money type code has not been received, all electronic money types that can be used in the mobile phone 10 are displayed on the display unit 107 as selection candidates. In step S35, if the available money type code has been received, the electronic money type that can be used in the store is re-extracted from all the electronic money types that can be used in the mobile phone 10, and the display unit 107 Display on the screen. In step S36, the electronic money type designated by the user operation is selected from the selection candidates displayed on the screen of the display unit 107.

Next, in step S37, an unlock setting is made to enable execution of the electronic money settlement function embodied by the electronic money application of the electronic money type selected in step S36, and in the subsequent step S38, the electronic money settlement function is executed by the unlock setting. After the icon image indicating the electronic money type for which the money settlement function can be executed is displayed on the display unit 107, the process returns to the standby state in step S1 (see FIG. 8).

<In automatic setting mode>
On the other hand, if it is under the automatic setting mode, the determination result of step S22 shown in FIG. 10 is “YES”, and the process proceeds to step S24. In step S24, it is determined whether or not the condition to be automatically set is “balance priority”. If the automatic setting condition is “balance priority”, the determination result is “YES”, and the process proceeds to step S25. In step S25, the electronic money balance for each electronic money type in the electronic money management table T2 (see FIG. 4) stored in the electronic money management table storage unit 102b of the RAM 102 is compared. In the subsequent step S26, the comparison result is displayed. After the electronic money type having the largest electronic money balance is extracted as a selection candidate based on the above, the process proceeds to step S33 (see FIG. 11) described above. If there are multiple types of electronic money with the largest electronic money balance, they are extracted as selection candidates.

  On the other hand, if the automatic setting condition is “number of times of use”, the determination result in step S24 (see FIG. 10) is “NO”, and the process proceeds to step S27. In step S27, the number of uses for each electronic money type in the electronic money management table T2 (see FIG. 4) stored in the electronic money management table storage unit 102b of the RAM 102 is compared. In the subsequent step S28, based on the comparison result. After extracting the electronic money type with the highest number of uses as a selection candidate, the process proceeds to the above-described step S33 (see FIG. 11). If there are a plurality of types of electronic money that are used most frequently, they are extracted as selection candidates.

  As described above, if the automatic setting condition is “balance priority”, the electronic money type with the largest electronic money balance is extracted as a selection candidate. If the automatic setting condition is “use count”, the usage count When the electronic money type with the largest number is extracted as a selection candidate, the process proceeds to step S33 illustrated in FIG. In step S33, it is determined whether or not an available money type code (store data) has been received from the reader / writer 20c of the store apparatus 20 when entering the store having the store apparatus 20 illustrated in FIG. .

If the available money type code has not been received, the determination result in step S33 is “NO”, and the flow proceeds to step S35 described later. On the other hand, if the available money type code is received, the determination result in Step S33 is “YES”, and the process proceeds to Step S34. In step S34, if the condition to be automatically set is “balance priority”, the electronic money with the largest electronic money balance specified in the available money type code and extracted in step S26 from the electronic money types that can be used in the store. Re-extract the seed as a candidate for selection. In step S34, if the condition to be automatically set is “usage count”, the electronic money that is designated by the available money type code and extracted from the electronic money type that can be used in the store in step S28 is the most frequently used. Re-extract money types as selection candidates.

  Subsequently, in step S35, the extracted electronic money type is displayed on the screen of the display unit 107. That is, in step S35, when the available money type code has not been received and the automatic setting condition is "balance priority", the electronic money type with the largest electronic money balance extracted in step S26 is selected. A screen is displayed on the display unit 107 as a candidate. Alternatively, if the available money type code has not been received and the automatic setting condition is “number of times of use”, the electronic money type with the highest number of times of use extracted in step S28 is selected as a selection candidate on the display unit 107. Display on the screen.

  In step S35, when the electronic money type having the largest electronic money balance extracted in step S26 is re-extracted from the electronic money types specified by the received available money type code and usable in the store. The re-extracted electronic money type is displayed on the display unit 107 as a selection candidate. Alternatively, when the electronic money type with the highest usage count extracted in step S28 is re-extracted from the electronic money types that are specified by the received available money type code and can be used in the store, the re-extracted The electronic money type is displayed on the display unit 107 as a selection candidate.

In step S36, the electronic money type designated by the user operation is selected from the selection candidates displayed on the screen of the display unit 107. Next, in step S37, an unlock setting is made to enable execution of the electronic money settlement function embodied by the electronic money application of the electronic money type selected in step S36, and in the subsequent step S38, the electronic money settlement function is executed by the unlock setting. After the icon image indicating the electronic money type for which the money settlement function can be executed is displayed on the display unit 107, the process returns to the standby state in step S1 (see FIG. 8).

b. When the unlocking operation is performed When the unlocking operation is performed in order to change the electronic money type used for the electronic money settlement, the determination result of step S12 illustrated in FIG. The process proceeds to step S29 illustrated in FIG. In step S29, a password entry screen (not shown) is displayed on the display unit 107. When a password (lock number) is entered on the password entry screen, the process proceeds to step S30, and it is determined whether or not the entered password matches the lock number for unlocking.

  If the input password does not match the lock number for unlocking, the determination result is “NO” and the standby state of step S1 (see FIG. 8) is restored, but the input password is unlocked. If it coincides with the lock number, the determination result in step S30 is “YES”, and the process proceeds to step S31. Next, in step S31, based on the privilege table T4 (see FIG. 6) stored in the privilege table storage unit 102d of the RAM 102, the points for each electronic money type are compared in consideration of the preferential point magnification at the current date and time.

  Subsequently, in step S32, the electronic money type with the highest return rate is extracted as a selection candidate among points for each electronic money type taking into account the preferential point magnification at the current date and time. If there are a plurality of types of electronic money at the point with the highest return rate, they are extracted as selection candidates. In step S33, whether or not the money type code (store data) that can be used is received from the reader / writer 20c of the store apparatus 20 when entering the store having the store apparatus 20 shown in FIG. to decide.

If the available money type code has not been received, the determination result in step S33 is “NO”, and the flow proceeds to step S35 described later. On the other hand, if the available money type code is received, the determination result in Step S33 is “YES”, and the process proceeds to Step S34. In step S34, the electronic money type of the point with the highest return rate at the current date and time is re-extracted as a selection candidate from the electronic money types specified by the received available money type code and available at the store.

  Subsequently, in step S35, if an available money type code has not been received, the electronic money type of the point with the highest return rate at the current date and time is displayed on the display unit 107 as a selection candidate. In step S35, if an available money type code has been received, the point that is designated by the received available money type code and has the highest return rate at the current date and time among the electronic money types that can be used at the store. Are extracted again and displayed on the display unit 107 on the screen.

In step S36, the electronic money type designated by the user operation is selected from the selection candidates displayed on the screen of the display unit 107. Next, in step S37, an unlock setting is made to enable execution of the electronic money settlement function embodied by the electronic money application of the electronic money type selected in step S36, and in the subsequent step S38, the electronic money settlement function is executed by the unlock setting. After the icon image indicating the electronic money type for which the money settlement function can be executed is displayed on the display unit 107, the process returns to the standby state in step S1 (see FIG. 8).

c. When Other Operations are Performed As “other operations” regarding electronic money, for example, it is assumed that an operation for instructing execution of the online charge function is performed. Then, each determination result in steps S11 to S12 illustrated in FIG. 9 becomes “NO”, the process proceeds to step S39, and the online charge function is executed as other processing. That is, the mobile wireless communication function described above is used to connect to the electronic money service management apparatus 30 on the network via the wireless communication network RN and is stored in a non-contact IC chip (not shown) provided in the non-contact IC unit 105. The access amount is registered based on the authentication information (for example, prepaid number), and the charge amount (payment amount) is registered in the management device 30 and stored in the non-contact IC chip according to the instruction generated by the management device 30 accordingly. After the electronic money balance to be registered and the electronic money balance of the electronic money type registered and charged in the electronic money management table T2 (see FIG. 4) described above is updated, the standby state of step S1 is restored.

(3) In the case of non-contact IC unit activation When the non-contact IC unit 105 generates a start event, the determination result in step S4 illustrated in FIG. 8 is “YES”, and the process proceeds to step S40 illustrated in FIG. . In steps S40 to S41, the contactless data communication destination is determined based on the data supplied from the contactless IC unit 105 and indicating the type of the reader / writer that has performed contactless data communication. In the following, the contactless data communication destination is “a. Other cases” other than the store information sending reader / writer 20c and electronic money settlement reader / writer 20b provided in the store apparatus 20 (see FIG. 1). The operation will be described separately for "b. In the case of the reader / writer 20c" and "c. In the case of the reader / writer 20b".

a. Other cases When the non-contact data communication destination is other than the reader / writer 20c or the reader / writer 20b, the determination results in steps S40 to S41 are all “NO”, and the process proceeds to step S42. After executing other processing such as a known automatic ticket gate processing based on data exchanged by contactless data communication with the provided reader / writer, the processing returns to the standby state of step S1 (see FIG. 8). .

b. In the case of the reader / writer 20c When the contactless data communication destination is the reader / writer 20c for sending store information, that is, when entering the store equipped with the store device 20 (see FIG. 1) described above, it is provided at the entrance of the store. In the case of communication with the reader / writer 20c, the determination result in step S40 is “YES”, the process proceeds to step S43, and is sent from the reader / writer 20c and indicates the store code and the electronic money type that can be used at the store. Store data including a possible money type code is received.

  Next, in step S44, it is determined whether or not it is an automatic setting mode for automatically selecting an electronic money type used for electronic money settlement. If the mode is not the automatic setting mode, the determination result is “NO” and the standby state of the above-described step S1 (see FIG. 8) is restored. The process proceeds to step S45. In step S45, the electronic money store use table T1 stored in the electronic money store use table storage unit 102a of the RAM 102 is stored in the electronic money type used in the store of the store code received in step S43 (see FIG. 3). Extract from

  In step S46, it is determined whether or not the number of electronic money types extracted in step S45 is one. If there is only one electronic money type used in the store of the store code, the determination result is “YES”, the process proceeds to step S37 shown in FIG. 11, and an electronic money application of the electronic money type that has been used in the store In step S38, the display unit 107 displays an icon image indicating the type of electronic money in which the electronic money payment function can be executed by the lock release setting. After the screen is displayed, the standby state of step S1 (see FIG. 8) is restored.

  On the other hand, if there are a plurality of types of electronic money extracted in step S45, that is, the types of electronic money used in the store of the received store code, the determination result in step S46 is “NO”, and step S47. Proceed to In step S47, in the electronic money store usage table T1 (see FIG. 3), the number of uses for each electronic money type used in the store of the store code received in step S43 is compared. In the subsequent step S48, Based on the comparison result, the electronic money type with the highest number of uses is selected. If there are a plurality of types of electronic money that are used most frequently, they are selected.

  Thereafter, the process proceeds to step S37 shown in FIG. 11, and an unlock setting that enables execution of the electronic money settlement function embodied in the electronic money application of the electronic money type that is selected most frequently and is used in step S48 is used. In the subsequent step S38, an icon image indicating the electronic money type for which the electronic money settlement function can be executed by the unlock setting is displayed on the display unit 107, and then in the above-described step S1 (see FIG. 8). Return to the receiving state.

c. In the case of the reader / writer 20b When the contactless data communication destination is the reader / writer 20b for electronic money settlement, that is, a reader for making electronic money settlement at the cash register terminal 20a of the store equipped with the store device 20 (see FIG. 1) described above. When communicating with the writer 20b, the determination result in step S41 shown in FIG. 12 is “YES”, the process proceeds to step S49 shown in FIG. 13, and the usage amount (settlement amount) and available money are transferred from the reader / writer 20b. The seed code is received. Next, in step S50, it is determined whether or not money type is set, that is, whether or not there is an unlocked electronic money type. Hereinafter, the operation will be described separately when the money type is set and when the money type is not set.

<When money type is set>
If the money type is set, the determination result in step S50 is “YES”, and the process proceeds to step S51, where the unlocked electronic money type is included in the electronic money types that can be used at the cash register terminal 20a of the store. Judge whether or not. If the unlocked electronic money type is included in the electronic money types that can be used in the store, the determination result is “YES”, the process proceeds to step S56, and electronic money settlement is performed with the unlocked electronic money type. To do.

In step S57, in response to the electronic money settlement, the usage history (electronic money settlement is performed) is stored in the electronic money usage history table T3 (see FIG. 5) stored in the electronic money usage history table storage unit 102c of the RAM 102. ("Date and time of use" representing the date and time, "Type of electronic money" used, "Amount of use" and "Store code" representing the store where electronic money was settled) are updated and registered.

In step S57, among the registered contents of the electronic money management table T2 (see FIG. 4) stored in the electronic money management table storage unit 102b of the RAM 102, “Electronic money type” “ Update "electronic money balance", "cumulative points" and "use count". Subsequently, in step S58, among the registered contents of the electronic money store use table T1 (see FIG. 3) stored in the electronic money store use table storage unit 102a of the RAM 102, the electronic money settlement in which the electronic money is settled in the above step S56. After updating the “store code” representing the store using the “money type” and the “usage count”, the process returns to the standby state of step S1 (see FIG. 8).

On the other hand, if the unlocked electronic money type is not included in the available electronic money types in the store, that is, if the unlocked electronic money type cannot be used in the store, the determination result in step S51 is "NO" is determined, and the process proceeds to step S52. In step S52, it is determined whether there is any other available electronic money type other than the unlocked electronic money type. If there is no other available electronic money type, the determination result is “NO”, and the process proceeds to step S53 where an NG notification (for example, generation of a warning sound) indicating that electronic money settlement cannot be performed is performed. Thereafter, the process returns to the standby state in step S1 (see FIG. 8).

On the other hand, if there is another available electronic money type, the determination result in step S52 is “YES”, and the process proceeds to step S54. For example, as shown in FIG. A money type change guidance screen for guiding the user to change the seed is displayed on the display unit 107. When the operation key associated with the “OK” portion arranged at the lower part of the money type change guidance screen is operated, the electronic money type can be changed to that which can be used in the store, and the determination result in step S55 is “YES”. In step S56, electronic money settlement is executed using the changed electronic money type (electronic money type that can be used at the store).

If the operation key associated with the “OK” portion arranged at the lower part of the money type change guidance screen is not operated, the determination result in Step S55 is “NO”, and the process proceeds to Step S53. After performing NG notification indicating that money settlement is not possible, the process returns to the standby state in step S1 (see FIG. 8).

  After changing to an electronic money type that can be used at the store and executing electronic money settlement, the process proceeds to step S57. When the processing proceeds to step S57, electronic money settlement is performed in the above-described step S56 in the registration contents of the electronic money management table T2 (see FIG. 4). “Electronic money balance”, “cumulative points”, and “usage count” of “electronic money type” are updated, and in the subsequent step S58, the above-mentioned step S56 is included in the registration contents of the electronic money store use table T1 (see FIG. 3). After updating the “store code” and the “usage count” representing the store using the “electronic money type” for which electronic money is settled, the process returns to the standby state of step S1 (see FIG. 8).

<When no money type is set>
If there is no unlocked electronic money type and no money type is set, the determination result in step S50 described above is “NO”, and the flow proceeds to step S59. In step S59, among the electronic money types registered in the electronic money management table T2 (see FIG. 4) stored in the electronic money management table storage unit 102b of the RAM 102, the electronic money types that can be used in the store (in step S49 above). The electronic money type designated by the received available money type code) is extracted.

  Next, in step S60, the electronic money balance for each electronic money type extracted in step S59 is read from the electronic money management table T2. Subsequently, in step S61, an electronic money type that is read from the electronic money management table T2 and has a balance equal to or more than the usage amount (settlement amount) is extracted from the electronic money balances that can be used in the store. To do. In step S62, it is determined whether or not there is an electronic money type having a balance equal to or greater than the usage amount (settlement amount). If there is no corresponding electronic money type, the determination result is “NO”, and the process proceeds to step S53 to perform NG notification indicating that electronic money settlement is not possible, and then the standby in step S1 (see FIG. 8) described above. Return to the state.

  On the other hand, if there is an electronic money type having a balance equal to or greater than the usage amount (settlement amount), the determination result in step S62 is “YES”, and the process proceeds to step S63 to determine whether there are a plurality of types of the corresponding money. to decide. If there is one electronic money type having a balance equal to or greater than the usage amount (settlement amount), the determination result is “NO”, and the process proceeds to step S56, and the only electronic money type having a balance equal to or greater than the usage amount (settlement amount). Execute electronic money settlement.

Thereafter, the process proceeds to step S57, and among the registered contents of the electronic money management table T2 (see FIG. 4), “electronic money balance”, “cumulative point” and “electronic money type” of electronic money type settled in step S56 above. In step S58, the number of times of use is updated. In the subsequent step S58, among the registered contents of the electronic money store use table T1 (see FIG. 3), the store using the “electronic money type” settled in step S56 is used. After updating the “store code” and “number of times of use”, the process returns to the standby state of step S1 (see FIG. 8).

  On the other hand, if there are a plurality of types of electronic money having a balance equal to or greater than the usage amount (settlement amount), the determination result in step S63 is “YES”, and the process proceeds to step S64. Select the electronic money type with the largest balance. In step S56, electronic money settlement is executed using the selected electronic money type. Thereafter, the process proceeds to step S57, and among the registered contents of the electronic money management table T2 (see FIG. 4), “electronic money balance”, “cumulative point” and “electronic money type” of electronic money type settled in step S56 above. In step S58, the number of times of use is updated. In the subsequent step S58, among the registered contents of the electronic money store use table T1 (see FIG. 3), the store using the “electronic money type” settled in step S56 is used. After updating the “store code” and “number of times of use”, the process returns to the standby state of step S1 (see FIG. 8).

(4) When other operations are performed
If any other operation is performed, the determination result in step S5 shown in FIG. 8 is “YES”, the process proceeds to step S65, and processing corresponding to the other operation is executed. Processes corresponding to other operations refer to processes such as mail creation and mail transmission, for example. Then, after executing processing corresponding to other operations, the processing returns to the above-described step S2 to return to the standby state.

(5) When the power is turned off
In this case, the determination result in step S8 shown in FIG. 8 is “YES”, the process proceeds to step S66, and after executing the power-off process, this process is completed.

As described above, in the present embodiment, when electronic money payment is received at a store through contactless data communication with the reader / writer 20b when electronic money is settled, the money can be used at the store and the usage amount An electronic money type having a balance equal to or greater than (payment amount) is searched from the electronic money management table T2 (see FIG. 4) stored in the electronic money management table storage unit 102b of the RAM 102, and a plurality of corresponding electronic money types exist. In this case, since the electronic money payment is performed with the electronic money type having the largest balance among them, the electronic money type most suitable for payment can be automatically selected from a plurality of electronic money types.

  Further, in the present embodiment, when the electronic money type selected (unlocked) for electronic money settlement is not included in the electronic money types that can be used in the store, other uses other than the selected electronic money type Judgment is made on the possible electronic money types, and if there is a corresponding electronic money type, the change to the electronic money type is displayed as a guide to the user, and can be used at the store according to the user operation according to the guide display Since the electronic money type is changed to a new electronic money type, it is possible to immediately inform the user that the electronic money type selected in advance is unusable, and in response to the user operation following the guidance, It can be changed to an electronic money type.

  Furthermore, in the present embodiment, when entering a store equipped with the store device 20, non-contact data communication with the reader / writer 20c is performed, and a store code and an available money type code representing an electronic money type usable in the store When the store data including is received, the electronic money type that has been used most frequently among the electronic money types that have been used in the store of the received store code is stored in the store usage table storage unit 102a for each electronic money in the RAM 102. Since the electronic money type for electronic money payment is selected from the electronic money store usage table T1 (see FIG. 3), a plurality of electronic money types are selected as the most suitable electronic money type for payment at the store where the store is entered. Can be selected automatically.

Further, in the present embodiment, the reward rate is the highest among the points for each electronic money type considering the preferential point magnification at the current date and time from the privilege table T4 (see FIG. 6) stored in the privilege table storage unit 102d of the RAM 102. Since a high-point electronic money type is selected and set for electronic money payment, the most suitable electronic money type for payment can be automatically selected from a plurality of electronic money types.

  In the above-described embodiment, when entering a store equipped with the store device 20, the store code is received through contactless data communication with the reader / writer 20c, and the electronic money type used at the store of the received store code is received. However, instead of this, it is extracted from the store usage table T1 by electronic money (see FIG. 3) stored in the store usage table storage unit 102a by electronic money in the RAM 102 (step S45 in FIG. 12). When entering a store that does not include 20, stores stored in the store code search table storage unit 102e of the RAM 102 according to the position information (latitude LT, longitude LG) output from the GPS signal receiving unit 104 The corresponding store code is read from the code search table T5 (see FIG. 7), and the electronic money type used in the read store code is set to the electronic manager. It is also possible to extract from another store use table T1. In this way, it is possible to search for electronic money types used in stores that do not include the store device 20.

In the above-described embodiment, the mobile phone 10 is taken as an example. However, the gist of the present invention is not limited to this, and the present invention is generally applied to portable electronic devices having a wireless communication function and an electronic money service function. Needless to say, it is applicable.

1 is a system configuration diagram for explaining an outline of main functions of a mobile phone 10; FIG. 1 is a block diagram showing a configuration of a mobile phone 10. FIG. It is a figure which shows one structural example of the store usage table T1 classified by electronic money provided in the store usage table memory | storage part 102a classified by electronic money of RAM102. It is a figure which shows the example of 1 structure of the electronic money management table T2 provided in the electronic money management table memory | storage part 102b of RAM102. It is a figure which shows the example of 1 structure of the electronic money usage history table T3 provided in the electronic money usage history table memory | storage part 102c of RAM102. It is a figure which shows one structural example of the privilege table T4 provided in the privilege table memory | storage part 102d of RAM102. It is a figure which shows one structural example of the store code search table T5 provided in the store code search table memory | storage part 102e of RAM102. It is a flowchart which shows operation | movement of a main routine. It is a flowchart which shows operation | movement of a main routine. It is a flowchart which shows operation | movement of a main routine. It is a flowchart which shows operation | movement of a main routine. It is a flowchart which shows operation | movement of a main routine. It is a flowchart which shows operation | movement of a main routine. It is a figure which shows an example of the money kind change guidance screen which guides the user of the change of electronic money kind.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Mobile phone 20 Store apparatus 20a Cash register terminal 20b Reader / writer 20c Reader / writer 30 Electronic money service provision apparatus 100 Control part 101 ROM
102 RAM
102a Store usage table storage unit by electronic money 102b Electronic money management table storage unit 102c Electronic money use history table storage unit 102d Benefit table storage unit 102e Store code search table storage unit 103 Wireless communication transmission / reception unit 104 GPS signal reception unit 105 Contactless IC Unit 106 Audio signal processing unit 107 Display unit 108 Operation unit

Claims (19)

In a mobile terminal device having an electronic money settlement function using a plurality of electronic money types,
Usage status storage means for storing money usage status for each of a plurality of electronic money types;
Comparison means for comparing the money usage status of each electronic money type stored in the usage status storage means;
Selection means for selecting an electronic money type to be used for settlement according to the comparison result of the comparison means;
And a setting means for setting the electronic money settlement function of the electronic money type selected by the selection means to an executable state. The comparison means compares the electronic money balance for each electronic money type stored in the usage status storage means,
2. The portable terminal device according to claim 1, wherein the selection unit selects an electronic money type used for settlement according to the amount of electronic money balance for each electronic money type compared. It further comprises an acquisition means for acquiring a usage amount for electronic money settlement,
The comparison means compares the usage amount acquired by the acquisition means with the electronic money balance for each electronic money type stored in the usage status storage means,
2. The portable terminal device according to claim 1, wherein the selecting means selects an electronic money type having an electronic money balance larger than a usage amount. The comparison means compares the usage history for each electronic money type stored in the usage status storage means,
The portable terminal device according to claim 1, wherein the selection unit selects an electronic money type used last time. 5. The portable terminal device according to claim 4, wherein the selection unit selects an electronic money type used for settlement according to the number of times of use for each electronic money type. It further comprises store information acquisition means for acquiring store information representing a store using electronic money,
The comparison means compares the store information acquired by the store information acquisition means with the use store history for each electronic money type stored in the use status storage means,
2. The portable terminal device according to claim 1, wherein the selecting means selects an electronic money type that has been used in a store that uses electronic money. 7. The portable terminal device according to claim 6, wherein the selecting means selects an electronic money type that is used most frequently among electronic money types that have been used in a store that uses electronic money. A money type information acquisition unit that acquires electronic money type information representing an electronic money type that can be used in a store that uses the electronic money;
The comparison means compares the money usage status of the electronic money type specified by the electronic money type information acquired by the money information acquisition means among the plurality of electronic money types stored in the usage status storage means. The mobile terminal device according to claim 1. The comparing means includes a plurality of types of money stored in the usage status storage means when the electronic money application is activated, when unlocking to enable the electronic money payment function, and when executing the electronic money payment function. The portable terminal device according to claim 1, wherein usage conditions are compared. The said setting means is provided with the alerting | reporting means which alert | reports to that effect, when setting to the state which can perform the electronic money payment function of the electronic money kind selected by the said selection means is characterized by the above-mentioned. Mobile terminal device. The setting means has mode selection means for selecting whether or not to set the automatic setting mode, and when the mode selection means selects the automatic setting mode, the electronic money of the electronic money type selected by the selection means The mobile terminal device according to claim 1, wherein the mobile terminal device is automatically set to a state in which the money settlement function can be executed. Privilege information storage means for storing, for each of a plurality of electronic money types, privilege information representing a use privilege given when electronic money is used within a specified period;
When using electronic money, the comparison means for comparing the use privilege of each electronic money type at the current date and time based on the privilege information for each electronic money type stored in the privilege information storage means;
Selection means for selecting the electronic money type of the best use privilege from the comparison result of the comparison means;
And a setting means for setting the electronic money settlement function of the electronic money type selected by the selection means to an executable state. Store money type acquisition means for acquiring a store money type representing an electronic money type that can be used in the store;
A selection means for selecting a payment money type as an electronic money type for electronic money payment from a plurality of available electronic money types;
When the store money type acquired by the store money type acquisition unit is different from the payment money type selected by the selection unit, the store money type is selected from among other usable electronic money types other than the payment money type. A discriminating means for discriminating whether or not a matching electronic money type exists;
An informing means for informing the discrimination result of the discrimination means. If the determining means determines that there is electronic money that matches the store money type among other usable electronic money types other than the payment money type, the notification means changes to the matching electronic money type The mobile terminal device according to claim 13, wherein the mobile terminal device is notified of electronic money settlement. When the user performs a change instruction operation after notifying that the notification means changes to an electronic money type that matches the store money type and makes an electronic money payment, the electronic money type that matches the store money type is set as the payment money type. The mobile terminal device according to claim 14, further comprising a money type changing means for changing to the following. When the determining means determines that there is no electronic money that matches the store money type among other usable electronic money types other than the payment money type, the notification means determines that the electronic money cannot be used at the store. The mobile terminal device according to claim 13, wherein the mobile terminal device is notified to a user. A program executed in a portable terminal device having an electronic money settlement function using a plurality of electronic money types,
Usage status storage processing for storing money usage status for each of a plurality of electronic money types;
Comparison processing for comparing the money usage status of each electronic money type stored by the usage status storage processing;
A selection process for selecting an electronic money type to be used for settlement according to the comparison result of the comparison process;
A portable terminal processing program that causes a computer to execute a setting process for setting an electronic money settlement function of an electronic money type selected by the selection process to an executable state. On the computer,
Privilege information storage processing for storing privilege information representing a use privilege given when electronic money is used within a specified period for each of a plurality of electronic money types;
When using electronic money, a comparison process for comparing the use privilege of each electronic money type at the current date and time based on the privilege information for each electronic money type stored in the privilege information storage process;
A selection process for selecting the electronic money type of the best use privilege from the comparison result of the comparison process;
And a setting process for setting the electronic money settlement function of the electronic money type selected by the selection process to an executable state. On the computer,
A store money type acquisition process for acquiring a store money type representing an electronic money type that can be used in the store;
A selection process for selecting a payment money type as an electronic money type for electronic money payment from a plurality of available electronic money types;
When the store money type acquired by the store money type acquisition process is different from the payment money type selected by the selection process, it is determined as a store money type among other usable electronic money types other than the payment money type. A determination process for determining whether or not a matching electronic money type exists;
A mobile terminal processing program for executing a notification process for notifying a determination result of the determination process.

Images