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WO2007116521A1 - Terminal portable et procede de selection de carte de credit l'utilisant - Google Patents

Terminal portable et procede de selection de carte de credit l'utilisant Download PDF

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Publication number
WO2007116521A1
WO2007116521A1 PCT/JP2006/307584 JP2006307584W WO2007116521A1 WO 2007116521 A1 WO2007116521 A1 WO 2007116521A1 JP 2006307584 W JP2006307584 W JP 2006307584W WO 2007116521 A1 WO2007116521 A1 WO 2007116521A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
priority
location
credit
service content
Prior art date
Application number
PCT/JP2006/307584
Other languages
English (en)
Japanese (ja)
Inventor
Yasuyuki Hirouchi
Original Assignee
Panasonic Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Panasonic Corporation filed Critical Panasonic Corporation
Priority to PCT/JP2006/307584 priority Critical patent/WO2007116521A1/fr
Publication of WO2007116521A1 publication Critical patent/WO2007116521A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"

Definitions

  • the present invention relates to a portable terminal having a plurality of credit card functions and a credit card selection method in such a portable terminal.
  • Patent Document 1 Japanese Patent Laid-Open No. 2004-208097
  • An object of the present invention is to provide a mobile terminal capable of more easily selecting an appropriate one from a plurality of credit card functions and a credit card selection method using the same. Means for solving the problem
  • the portable terminal of the present invention is provided by each of the plurality of credit card settlement services and a credit card information storage means for storing a plurality of credit card information to be used in each of the plurality of credit card settlement services.
  • Service content determining means for determining the level of service content to be determined, priority setting means for setting priorities for the plurality of credit card settlement services based on the determination result by the service content determining means,
  • a credit for selecting one of the plurality of credit card information stored in the credit card information storage unit as a transmission target when transmission is requested according to the priority set by the priority setting unit
  • a card information selection means is provided by each of the plurality of credit card settlement services and a credit card information storage means for storing a plurality of credit card information to be used in each of the plurality of credit card settlement services.
  • the credit card selection method of the present invention includes a service content determination step of determining a level of service content provided by each of a plurality of credit card settlement services when transmission of credit card information is requested.
  • a priority setting step for setting priorities for the plurality of credit card settlement services based on a determination result obtained by the service content determination step, and a priority set in the priority setting step.
  • a credit card information selection step for selecting any of a plurality of credit card information to be used in each of the plurality of credit card settlement services as a transmission target.
  • the level of service content provided by each of a plurality of credit card payment services is determined, and the priority is given to the credit card payment service based on the determination result. And select one of multiple credit card information as the transmission target according to the set priority. As a result, an appropriate credit card function can be selected according to the service content provided by each credit card settlement service without requiring the user to perform particularly complicated operations.
  • FIG. 1 is a block diagram showing a configuration of a communication system in which a mobile terminal according to Embodiment 1 of the present invention is used.
  • FIG. 2 is an explanatory diagram showing an example of stored contents in the initial state of the credit card priority storage unit in the first embodiment of the present invention.
  • FIG. 3 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit in the first embodiment of the present invention.
  • FIG. 4 is an explanatory diagram showing an example of stored contents after changing the credit card priority storage unit in the first embodiment of the present invention.
  • FIG. 5 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 2 of the present invention is used.
  • FIG. 6 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit in the second embodiment of the present invention.
  • FIG. 7 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 3 of the present invention is used.
  • FIG. 8 is an explanatory diagram showing the storage contents of the credit card priority storage unit by location in the third embodiment of the present invention.
  • FIG. 9 is a flowchart showing the flow of location-specific credit card priority determination processing by a location-specific credit card use priority determination unit in Embodiment 3 of the present invention.
  • FIG. 10 is a block diagram showing a configuration of a communication system in which a mobile terminal according to Embodiment 4 of the present invention is used.
  • FIG. 11 is an explanatory diagram showing an example of the contents stored in the credit card use location storage unit in the fourth embodiment of the present invention.
  • FIG. 12 is a flowchart showing the flow of credit card priority determination processing by place usage history by a credit card use priority determination unit by place use history in the fourth embodiment of the present invention.
  • FIG. 1 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 1 of the present invention is used.
  • a communication system 10 includes a mobile terminal 100 that is a mobile phone device having a plurality of credit card functions, and a credit card that is installed at a store front and accepts credit card payment using the mobile terminal 100.
  • a payment terminal 200 is provided.
  • the mobile terminal 100 mainly includes a credit card function unit 110, a credit card information selection unit 120, a credit force use upper limit monitoring unit 130, and a credit card priority storage unit 140.
  • the credit card information selection unit 120 includes a credit card information storage unit 125.
  • the credit card payment terminal 200 receives credit card information, which is transmitted from the mobile terminal 100 and is identification information necessary for payment, and accepts the use of the corresponding credit card payment service.
  • the credit card information includes, for example, a credit card number and terminal identification information.
  • the credit card information storage unit 125 stores credit card information to be transmitted in advance for each of a plurality of credit card settlement services to which the mobile terminal 100 is subscribed.
  • the credit card priority storage unit 140 stores the priority of the credit card settlement service.
  • the priority of the stored credit card payment service can be arbitrarily set by operating a key switch (not shown) provided in the portable terminal 100.
  • the credit card function unit 110 obtains the credit card information selected by the credit card information selection unit 120 from the credit card information storage unit 125 and sends it to the credit card payment terminal 200 for corresponding credit card settlement service. Is used.
  • the credit card information selection unit 120 uses the credit card information corresponding to the credit card type with the highest priority in the credit card priority storage unit 140 as the credit card information to be transmitted by the credit card function unit 110. select. In addition, the credit card information selection unit 120 also accepts the selection of the credit card type by the user by operating a key switch (not shown).
  • the credit card usage upper limit monitoring unit 130 stores information on the usage upper limit determined by the mobile terminal 100 in advance, accumulates the amount of credit card settlement for each service, and uses the accumulated amount corresponding to the usage amount. Monitor whether the maximum amount has been reached. And in the monitoring result Accordingly, the priority of the credit card settlement service stored in the credit card priority storage unit 140 is appropriately changed.
  • the mobile terminal 100 and the credit card payment terminal 200 are CPUs
  • the credit card function unit 110 includes a non-contact IC chip. When a predetermined radio wave output from the credit card payment terminal 200 is received near the credit card payment terminal 200, the credit card information is transmitted.
  • the credit card function is realized by performing various processes necessary for payment. However, since the credit card information storage unit 125 stores a plurality of pieces of credit card information, a plurality of credit card functions can be realized.
  • the credit card priority storage unit 140 stores a plurality of credit card settlement services subscribed by the user and respective priority powers in advance by user operations.
  • FIG. 2 is an explanatory diagram showing an example of stored contents of the credit card priority storage unit 140 in the initial state.
  • the credit card priority storage unit 140 stores three credit card types “credit card A”, “credit card: B”, and “credit card C”, and respective priorities.
  • the priority is defined as a numerical value.
  • the value “1” is the highest priority and the higher the value, the lower the priority.
  • priority “1” is set for “credit card A”. Therefore, the credit card information selection unit 120 selects the credit card information corresponding to “credit card A” in the initial state.
  • the upper limit of the usage amount without adding a fee for each credit card type If the upper limit of the amount of money used for low-cost revolving payment is high, and the priority is set in order, the most advantageous credit card type in terms of fees can be selected.
  • the credit card usage upper limit monitoring unit 130 stores information on the usage upper limit for each credit card type determined by the user in advance, and stores the accumulated usage amount for each credit card type. Then, each time a credit card settlement is attempted in the credit card function unit 110, it is determined whether or not the accumulated usage amount including the planned usage amount reaches the corresponding usage upper limit. Then, the priority of the credit card priority storage unit 140 is changed. That is, the level of service provided by each credit card type is determined, and the priority is changed according to the determination result.
  • FIG. 3 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit 130.
  • the credit card usage upper limit monitoring unit 130 stores the accumulation of the usage amount for each credit card type, and monitors the instruction to reset the accumulation (S1010).
  • the function unit 110 monitors the start of settlement. When a credit card type is specified and an accumulation reset of usage amount is instructed by user operation or time setting (S1010: YES), the corresponding credit force type is stored in the past by the processing described later. The accumulated usage amount is reset (S1020), and the process returns to step S1010. It is also possible to reset all at once without specifying the credit card type.
  • the credit card usage upper limit monitoring unit 130 compares the calculation result in step S1050 with the usage upper limit set for the corresponding credit card type (S1060), and if the calculation result exceeds the usage upper limit (S1060). : YES), change the priority of the credit card type with the highest priority in the credit card priority storage unit 140 to the lowest priority, and increase the priority of each other credit card type in order (S1070) .
  • the credit card function unit 110 monitors completion of payment (S1080). If the calculation result does not exceed the upper limit of use (S 1060: NO), the process proceeds to step S 1080 as it is.
  • the credit card usage upper limit monitoring unit 130 acquires the payment amount and the credit card type with the highest priority at that time (S 1090). Then, the accumulation of the usage amount of the corresponding credit card type is calculated and stored (S 1100). If the credit card function is continuously used (S1110: YES), the process returns to step S1010 to monitor the resetting of the usage amount and the start of settlement in the credit card function unit 110. On the other hand, when the suspension of the credit card function is instructed by a user operation or the like (S1110: NO), the series of processes is terminated. Note that the credit card function unit 110 may perform the calculation of the accumulated usage amount and the storage and reset processing.
  • the upper limit of the usage amount set for the credit card type may be set, for example, the upper limit of the usage amount without additional fees or the upper limit of the usage amount of revolving payment! As a result, credit card payments can be made with the lowest possible fees.
  • FIG. 4 is an explanatory diagram showing an example of the stored contents of the credit card priority storage unit 140 after the change.
  • the result of the calculation of the accumulated amount of usage when using “Credit Card” is greater than the upper limit set for Credit Card AJ.
  • the contents stored in the credit card priority storage unit 140 when the settlement is completed are shown. If the calculation result of the accumulated usage amount exceeds the usage limit, the contents stored in the credit card priority storage unit 140 shown in FIG. Be changed. Therefore, as shown in the figure, “credit card A”, which had priority “1”, is changed to “3”, and “credit card B” and “credit card C” have priority. The degree is raised to "1" and priority "2".
  • the credit card information selection unit 120 is sufficient for the credit card use upper limit monitoring unit 130 to perform the processing up to step S1070 in FIG.
  • Credit card priority storage unit 140 selects credit card information corresponding to the credit card type with the highest priority, and the credit card selected in response to a request from credit card function unit 110. Output information.
  • the credit card function unit 110 sends the input credit card information to the credit card payment terminal 200.
  • the credit card payment terminal 200 performs various processes such as verification based on the received credit card information, and realizes payment by credit card.
  • mobile terminal 100 has the highest priority among a plurality of installed credit card functions at the time of credit card settlement.
  • the credit card type is used to monitor whether the usage amount reaches a preset usage limit. Then, when the usage limit is reached, the priority of several credit card types is switched, and the payment is made by switching to another credit card type.
  • the function to set the upper limit of use and the function to switch the priority of credit cards are linked to each other.
  • the credit card type is reduced so that the usage amount is less than the maximum usage limit even if payment is made without making the user aware of it. You can choose in advance. In other words, without the need for user selection It is possible to more easily select an appropriate one from a plurality of credit card functions.
  • FIG. 5 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 2 of the present invention is used, and corresponds to FIG. 1 of Embodiment 1. The same parts as those in FIG.
  • the communication system 30 includes a mobile terminal 300 as a mobile phone and a credit card payment terminal 200.
  • the mobile terminal 300 includes a credit card function unit 110, a credit card information selection unit 120 including a credit card information storage unit 125, a credit card usage upper limit monitoring unit 330, a credit card priority storage unit 140,
  • the balance balance inquiry unit 350 is mainly comprised.
  • the credit card balance inquiry unit 350 accesses a predetermined information server (not shown), and inquires the balance of the credit card type set to the highest priority in the credit card priority storage unit 140. Then, the inquiry result is sequentially output to the credit card usage upper limit monitoring unit 330.
  • a predetermined information server is accessed via a mobile phone network or the Internet, and a balance inquiry of a desired credit card type is performed by transmitting and receiving information using a predetermined encryption.
  • the credit card usage upper limit monitoring unit 330 appropriately credits the credit card based on the balance of the corresponding credit card type acquired by the credit card balance inquiry unit 350 in addition to the accumulated usage amount by the credit card function unit 110.
  • the priority of the credit card settlement service stored in the card priority storage unit 140 is changed.
  • FIG. 6 is a flowchart showing the flow of credit card usage upper limit monitoring processing by the credit card usage upper limit monitoring unit 330, and corresponds to FIG. 3 of the first embodiment. Steps identical to those in FIG.
  • the credit card usage upper limit monitoring unit 330 obtains the scheduled payment amount and the credit card type with the highest priority at that time in step S1040, and then uses the corresponding credit card type. The cumulative amount is calculated, and the credit card balance inquiry unit 350 is used to inquire about the balance of the available amount of the corresponding credit card type of the user of the mobile terminal 300 (S3050). [0043] When the credit card balance inquiry unit 350 is instructed to inquire about the balance of a specific credit card type from the credit card usage upper limit monitoring unit 330 in response to step S3050, the credit card balance inquiry unit 350 accesses the predetermined information server described above. Then query the balance of the specified credit card type.
  • the credit card balance inquiry unit 350 periodically accesses the information server to acquire and store the balance of each credit force type of the user of the mobile terminal 300 and store it.
  • the contents may be output to the credit card balance inquiry section 350.
  • step S3050 credit card use upper limit monitoring unit 330 compares the calculation result in step S3050 with the use upper limit set for the corresponding credit card type, and in step S1040.
  • the acquired planned payment amount is compared with the balance acquired in step S3050 (S3060).
  • step S1070 If the calculation result exceeds the usage limit of the credit card type with the highest priority, or payment ⁇ If the planned amount exceeds the balance with the highest priority ⁇ credit card type (S3060: YES) The process proceeds to step S1070, and the priority of the credit card settlement service stored in the credit card priority storage unit 140 is changed in the same manner as in the first embodiment.
  • step S1080 without changing the priority of the credit card priority storage unit 140, the process directly proceeds to step S1080.
  • the credit card balance reflecting not only the accumulated usage amount by the mobile terminal 300 but also other credit card payment histories (debit usage, etc.) is reflected.
  • the credit card usage limit can be monitored with higher accuracy considering all credit card usage, and the credit card below the usage limit can be realized. Can always be selected with priority It becomes ability.
  • the credit card usage upper limit monitoring unit 330 obtains the scheduled payment amount by the credit card function unit 110 via the information server using the credit card balance inquiry unit 350 instead of the credit card function unit 110. You may do it. Alternatively, the priority may be changed only by the balance of the credit card type with the highest priority, regardless of the planned payment amount. In these cases, it is not necessary to connect the credit card usage upper limit monitoring unit 330 to the credit card function unit 110 as shown in FIG.
  • FIG. 7 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 3 of the present invention is used, and corresponds to FIG. 1 of Embodiment 1. The same parts as those in FIG.
  • the communication system 50 includes a mobile terminal 500 as a mobile phone and a credit card payment terminal 200.
  • the mobile terminal 500 includes a credit card function unit 110, a credit card information selection unit 120 including a credit card information storage unit 125, a credit card usage upper limit monitoring unit 130, a credit card priority storage unit 140, a credit strength It is mainly composed of a location usage specifying unit 560 and a location-specific credit card usage priority determination unit 570.
  • the location-specific credit card use priority determination unit 570 includes a location-specific credit card priority storage unit 575.
  • the credit card usage location specifying unit 560 includes a GPS (Global Positioning System) receiver, and receives a signal from which GPS satellite power is also transmitted. Specify the current location. That is, the place where the credit card function unit 110 uses the credit card function is specified. The location where the credit card function is used may be specified based on the location information or the store information acquired from the mobile phone network side or the tariff payment terminal 200.
  • GPS Global Positioning System
  • the location-specific credit card priority storage unit 575 stores the priority of the credit card settlement service for each location where the credit card function is used.
  • the priority of the stored credit card settlement service can be arbitrarily set by operating a key switch (not shown) provided in the portable terminal 500.
  • FIG. 8 is an explanatory diagram showing the contents stored in the credit card priority storage unit 575 for each location.
  • the priority of each credit card type installed in the mobile device 500 is associated with location information that may use the credit card function of the mobile device 500. Priority information consisting of pairs is stored.
  • Priority information consisting of pairs is stored.
  • a service point given to the user at the time of credit card settlement may be increased.
  • the highest priority may be set for the location of this specific store in the credit card priority storage unit 575 for each location.
  • FIG. 9 is a flowchart showing a flow of location-specific credit card priority determination processing by location-specific credit card use priority determination unit 570.
  • the credit card usage priority by location determination unit 570 monitors whether the usage location of the credit card function has changed (S5210). This monitoring may be performed by inquiring the credit card use location specifying unit 560 every time credit card payment is started by the credit card function unit 110, or the credit card use location specifying unit 560 side may use the credit card function. Only notify the credit card usage priority determination unit 570 by location when there is a change in location.
  • the location information corresponding to the new usage location of the credit card function is displayed. It is determined whether or not the power is registered in another credit card priority storage unit 575 (S5220). If the corresponding location information is registered (S52 20: YES), the corresponding priority information is obtained from the location-specific credit card priority storage unit 575, and the credit card priority is stored using the obtained priority information. The contents stored in section 140 are updated (step S5230).
  • step S5240 If the credit card function is to be used continuously (step S5240: YES), the process returns to step S5210 to monitor whether the credit card function has been used again and to end the use of the credit card function. Is Step S5240: NO), and the series of processing ends. On the other hand, if the location information corresponding to the location where the new credit card function is used is registered in the location-specific credit card priority storage unit 575 and is V ⁇ (S5220: NO), the process proceeds to step S5240.
  • credit card usage location specifying unit 560 sets the usage location to "restaurant Y”. Then, the location-specific credit card usage priority determination unit 570 updates the content of the location-specific credit card priority storage unit 575 to the content with “credit card C” as the priority “1”. Therefore, the credit card information selection unit 120 selects “credit card C” as the credit card type used for the credit card settlement. However, for example, when the accumulated usage amount exceeds the usage limit of credit card C, the credit card usage limit monitoring unit 130 switches the priority as described in the first embodiment. Next, the “Credit Card A” power with the highest priority will be selected.
  • the place where the credit card is used is specified, the priority of the credit card settlement service is stored for each place, and this priority is applied.
  • the priority of the credit card payment service for each location is set once, it becomes possible to use the optimal credit card for each location without being aware of the next time. That is, an appropriate credit card can be selected and used according to the place of use that is not operated by the user each time. For example, if the priority information set in the location-specific credit card priority storage unit 575 as described above is the content corresponding to the service point given to the user, the credit card that can enjoy the most service points is selected. It becomes possible. In other words, the user can always use the most advantageous credit card.
  • FIG. 10 is a block diagram showing a configuration of a communication system in which the mobile terminal according to Embodiment 4 of the present invention is used, and corresponds to FIG. 7 of Embodiment 3. The same parts as those in FIG.
  • a communication system 70 includes a mobile terminal 700 as a mobile phone, a credit Card payment terminal 200.
  • the mobile terminal 700 includes a credit card function unit 110, a credit card information selection unit 120 including a credit card information storage unit 125, a credit card usage upper limit monitoring unit 130, a credit card priority storage unit 140, a credit card It is mainly composed of a use place specifying unit 560, a credit card use priority determining unit 770 by place use history, and a credit card use place storage unit 780.
  • the credit card use location storage unit 780 stores location information indicating the use location of the credit card function and the type of credit card used. Store in association.
  • the credit card usage priority determination unit 770 by location usage history is used when the location information corresponding to the usage location specified by the credit card usage location specifying unit 560 exists in the credit card usage location storage unit 780.
  • the credit force type associated with the corresponding location information is specified. Then, the stored content of the credit card priority storage unit 140 is changed so that the specified credit card type has the highest priority.
  • FIG. 11 is an explanatory diagram showing an example of the contents stored in the credit card usage location storage unit 780.
  • the credit card usage location storage unit 780 monitors which credit card type is used each time a credit card function unit 110 performs credit card payment. Then, the used credit card type is stored in association with the place information indicating the use place of the credit card function specified by the credit card use place specifying unit 560. Also, if the credit card function is used multiple times at the same location, only the last used one is stored.
  • FIG. 12 is a flowchart showing the flow of the credit card priority determination process for each place use history by the credit card use priority determination unit 770 for each place use history.
  • the new credit card function It is determined whether or not the location information corresponding to the usage location is registered in the credit card usage location storage unit 780 (S7220).
  • Credit card usage priority determination unit 770 by location usage history acquires the corresponding credit card type from credit card usage location storage unit 780 when the relevant location information is registered (S7220: YES). Then, change the stored contents of the credit card priority storage unit 140 so that the acquired credit card type has the highest priority (step S7230) o Specifically, set the priority of the acquired credit card type to ⁇ 1 And lower the priority of each other credit card type as necessary.
  • step S7240 To continue using the credit card function (step S7240: YES), return to step S7210 to monitor the use of the credit card function again and terminate the use of the credit card function. If this is the case (step S7240: NO), the series of processing ends. On the other hand, if the location information corresponding to the usage location of the new credit card function is not registered in the credit card usage location storage unit 780 (S7220: NO), the process proceeds to step S7240 as it is.
  • the sauce that the user desires to use for each place of use is possible. Even if the types of JIT card functions are different, it is possible to select the most appropriate credit card function that reflects the user's intention according to the place of use without requiring any user operation from the second time onward. It is also possible to use the credit card usage location storage unit 780 to identify the store with the most suitable credit card functionality.
  • Embodiments 1 to 4 described above the case where the invention is applied to a mobile phone has been described. However, it is needless to say that the invention can be applied to other various mobile terminals having a plurality of credit card functions. .
  • the hardware that implements the credit card function is not limited to the contactless IC chip, and various communication devices that implement a plurality of credit card functions by switching may be used.
  • a portable terminal and a credit card selection method using the portable terminal according to the present invention are capable of easily selecting an appropriate one from a plurality of credit card functions, and a credit card selection using the portable terminal. Useful as a method.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
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Abstract

La présente invention concerne un terminal portable avec lequel une fonction appropriée de carte de crédit peut être facilement sélectionnée. Dans le terminal portable (100), une section de stockage de fonction d'information sur la carte de crédit (125) y a stocké de multiple types d'informations de carte de crédit respectivement correspondant aux multiples procédés de règlement de carte de crédit, et une section de fonction de carte de crédit (110) réalise plusieurs fonctions de carte de crédit. Une section de stockage de priorité de carte de crédit (140) stocke la priorité de chaque carte de crédit, et selon la priorité déterminée par la section de sélection d'information sur la carte de crédit (120), une section de sélection d'information sur la carte de crédit (120) sélectionne, selon la priorité attribuée dans la section de stockage de priorité de carte de crédit (140), le type de carte de crédit à utiliser. Une section (130) destinée à surveiller la limite supérieure de l'utilisation de la carte de crédit surveille si la somme des paiements de la carte de crédit ayant la priorité la plus élevée à ce moment excède la limite supérieure d'utilisation de cette carte et dans l'affirmative, la section (130) change la priorité à la section de stockage de priorité de la carte de crédit (140).
PCT/JP2006/307584 2006-04-10 2006-04-10 Terminal portable et procede de selection de carte de credit l'utilisant WO2007116521A1 (fr)

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US8594721B2 (en) 2009-05-01 2013-11-26 Qualcomm Incorporated Proximity purchase ringtones
JP2014044719A (ja) * 2012-08-24 2014-03-13 Samsung Electronics Co Ltd インタラクション環境に基づいてアイテムを決定する方法及びその装置
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