JP5949713B2 - Information device, portable device, program thereof, and electronic payment method - Google Patents

Description

  The present invention relates to a technique for using an electronic wallet function.

  Conventionally, it has an electronic wallet function, stores electronic wallet data, and is in close proximity wireless communication (hereinafter referred to as non-contact communication) such as NFC (Near Field Communication) with a payment terminal such as an automatic ticket gate. ) Is known (for example, Patent Document 1).

  In the technique described in Patent Document 1, when a user of a portable device goes out of a station through an automatic ticket gate, the above-described non-contact communication is performed between the portable device and the automatic ticket gate. Automatic ticket gates are used by ticket gates. At this time, the amount corresponding to the fare is withdrawn from the electronic wallet data stored in the portable device.

JP 2001-273528 A

  By the way, in recent years, smartphones are rapidly spreading in place of mobile phones, and it is often seen that smartphones also have an electronic wallet function and perform settlement by non-contact communication.

  However, recent smartphones have a large screen with a large screen of a display unit such as an LCD. Therefore, users often carry their smartphones in their bags. In such a case, there is a problem in that it is necessary to take out the smartphone from the bag and make it difficult to make a payment for the purchase using the electronic wallet function of the smartphone or to go through the automatic ticket gate at the station.

  On the other hand, with the spread of smartphones, watch-type information terminals (list information devices) that operate in cooperation with smartphones have attracted attention.

The present invention has been made in view of such problems, and an object thereof is to provide an information device that can use data of an electronic wallet held by a portable device having an electronic wallet function.

In order to solve the above problems, an information device of the present invention includes a first communication unit that communicates with a portable device having an electronic wallet function, a second communication unit that performs non-contact communication with a payment terminal, and the first device . By means of communication by the second communication means, using storage means for storing the money amount data of the electronic wallet function of the portable device received by communication by the first communication means, and the money amount data stored in the storage means A payment unit that performs a payment process with the payment terminal; and a control unit that transmits the amount data stored in the storage unit to the portable device through communication by the first communication unit. To do.

To solve the above problems, the program of the information device of the present invention, first communication means for communicating with a portable device including the electronic wallet function, a second communication means for performing settlement terminal and the non-contact communication, and the computer information apparatus having a storage means for storing money data of the electronic wallet function of the mobile device received by the communication by the first communication means includes, by using the amount data stored in said storage means Payment means for performing payment processing with the payment terminal by communication by the second communication means, and control means for transmitting the amount data stored in the storage means to the portable device by communication by the first communication means , characterized in that to function as a.

To solve the above problems, electronic payment method information device of the present invention, first communication means for communicating with a portable device including the electronic wallet function, settlement terminal and the second communication means for performing non-contact communication And in an information device comprising storage means for storing money amount data of the electronic wallet function of the portable device received by communication by the first communication means, using the money amount data stored in the storage means , transmitting to said mobile device said second row of mortar step payment processing with the settlement terminal by using the communication the communication means, the money data stored in said memory means by the communication by the first communication means , Including.

In order to solve the above problems, a portable device having an electronic wallet function of the present invention is a portable device having an electronic wallet function and capable of performing payment processing with a payment terminal, and a communication means for communicating with an information device; the settlement processing with the settlement terminal by using the amount data of the electronic wallet function of the mobile device, to carry out in the information equipment, a settlement permission means for permitting using the communication means, by said payment authorization means, Payment processing locking means for disabling payment processing with the payment terminal in the portable device when the payment processing with the payment terminal is allowed to be performed by the information device. .

In order to solve the above problems, a program for a portable device having an electronic wallet function according to the present invention is a computer included in a portable device having communication means for communicating with an information device and a payment terminal having an electronic wallet function. and the settlement processing with the settlement terminal by using the amount data of the electronic wallet function of the mobile device, to carry out in the information equipment, payment authorization means for permitting using the communication means, by said payment authorization means When the payment processing with the payment terminal is permitted to be performed by the information device, the payment device is made to function as a payment processing lock unit that disables the payment processing with the payment terminal in the portable device. .

In order to solve the above-described problems, an electronic payment method for a portable device having an electronic wallet function according to the present invention is a communication device that communicates with an information device and a portable device that has an electronic wallet function and can perform payment processing with a payment terminal . the settlement processing with the settlement terminal by using the amount data of the electronic wallet function of the mobile device, to carry out in the information equipment, payment authorization steps to allow using said communication means, by the payment authorization step, A payment processing lock step for disabling payment processing with the payment terminal in the portable device when the payment processing with the payment terminal is permitted by the information device .

According to the present invention, the electronic wallet data held by the electronic wallet function of the portable device can be used by the information device while putting a large portable device such as a smartphone in the bag, which is convenient for the user. Can be improved.

It is a block diagram which shows the structure of the list information apparatus in 1st Embodiment, a smart phone, and a payment terminal. It is a block diagram which shows the list information apparatus common to each embodiment. It is a block diagram which shows the smart phone common to each embodiment. It is the sequence figure which showed the procedure in which a user performs payment with a payment terminal using the list information apparatus and smart phone in 1st Embodiment. It is the sequence diagram which showed the procedure in which a user performs payment with a payment terminal using the list information apparatus and smart phone in 2nd Embodiment. It is a block diagram which shows the structure of the list information apparatus in the modification of 2nd Embodiment, a smart phone, and a payment terminal.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
(Embodiment 1)
FIG. 1 is a configuration diagram showing configurations of a list information device 1, a smartphone 2, and a payment terminal 3 in the first embodiment of the present invention. In the present embodiment, the information processing apparatus 1 includes a list information device 1 and a smartphone 2 capable of exchanging data with each other via Bluetooth (registered trademark), and a payment terminal 3 that settles data of an electronic wallet held by the electronic wallet function of the smartphone 2. Is done.

  The list information device 1 is a wristwatch type that can be worn on the wrist of a user, and is attached to both ends of the watch case 101, a display unit 102 that is disposed on the watch case 101 and functions as a touch panel. And a wristband 103.

  As will be described in detail later, the list information device 1 can exchange data with the smartphone 2 by Bluetooth (registered trademark), and performs data communication with the payment terminal 3 by non-contact communication by NFC.

  As is well known, the smartphone 2 has a vertically long device main body 201 and a display unit 202 that is disposed on the device main body 201 and functions as a touch panel, and can be connected to the Internet by wireless communication.

  Although details will be described later, the smartphone 2 exchanges data with the list information device 1 by Bluetooth (registered trademark), and can perform data communication with the payment terminal 3 by non-contact communication by NFC.

  The settlement terminal 3 is, for example, an automatic ticket gate for transportation, and settles fares and the like by non-contact communication by NFC with the list information device 1 or the smartphone 2.

  FIG. 2 is a schematic block diagram showing a circuit configuration of the list information device 1. A clock unit 111 counts the current time. Reference numeral 102 denotes the display unit, which includes a color LCD (Liquid Crystal Display) and a drive circuit for driving the color LCD. A display control unit 112 controls the display state of the display unit 102. Reference numeral 113 denotes an input unit, which includes various switches omitted in FIG. The input unit 113 also includes a touch sensor that covers the surface of the color LCD of the display unit 102 and causes the display unit 102 to function as a touch panel, and a driving circuit thereof.

  Reference numeral 114 denotes a CPU (Central Processing Unit) that controls the entire list information device 1. Reference numeral 115 denotes a program memory, in which a control program 1151, an application program 1152, and a pairing program 1153 are stored in advance.

  The control program 1151 is a basic control program for causing the CPU 114 to control the entire list information device 1. The application program 1152 includes a plurality of types of application programs for causing the CPU 114 to perform various processes including processes described later. The pairing program 1153 is a program for performing pairing (connection setting) with the smartphone 2 or the like.

  Reference numeral 116 denotes a built-in memory such as a flash memory, which stores various setting information that determines the operation content of the list information device 1, electronic wallet data acquired from the smartphone 2 by Bluetooth (registered trademark), and the like.

  Reference numeral 117 denotes a wireless I / F unit that performs transmission / reception with the smartphone 2 using Bluetooth (registered trademark). An NFC I / F unit 118 includes a loop antenna and a transmission / reception circuit, and performs non-contact communication by NFC with the settlement terminal 3 to perform data communication of the electronic wallet.

  FIG. 3 is a schematic block diagram illustrating a circuit configuration of the smartphone 2. Reference numeral 202 denotes the display unit, which includes a color LCD and a drive circuit for driving the color LCD. A display control unit 212 controls the display state of the display unit 202. Reference numeral 213 denotes an input unit, which includes a power key omitted in FIG. 1 and other various keys. The input unit 213 also includes a touch sensor that covers the surface of the color LCD of the display unit 202 and causes the display unit 202 to function as a touch panel, and a drive circuit thereof.

  Reference numeral 214 denotes a CPU that controls the entire smartphone 2. Reference numeral 215 denotes a program memory in which a control program 2151, an application program 2152, and a pairing program 2153 are stored in advance.

  The control program 2151 is a basic control program for causing the CPU 214 to control the entire smartphone 2. The application program 2152 includes a plurality of types of application programs for causing the CPU 214 to perform various processes including processes described later. The pairing program 2153 is a program for performing pairing (connection setting) with the list information device 1 or the like.

  Reference numeral 216 denotes a built-in memory such as a flash memory, which stores various setting information that determines the operation content of the smartphone 2, electronic wallet data for the electronic wallet function, and the like.

  Reference numeral 217 denotes a wireless I / F unit that performs transmission / reception with the list information device 1 using Bluetooth (registered trademark). Reference numeral 218 denotes a communication I / F unit for connecting the smartphone 2 to the Internet using a public line such as a wireless LAN.

  An NFC I / F unit 219 includes a loop antenna and a transmission / reception circuit, and can perform non-contact communication by NFC with the settlement terminal 3 to directly perform data communication of the electronic wallet. .

  The smartphone 2 is a well-known circuit for performing voice communication and data communication, that is, a voice input circuit that modulates and transmits input voice, a transmission circuit, and reception that receives and decodes and receives the received voice signal. Although a circuit, a reproduction circuit, a data transmission / reception circuit, and the like are included, illustration and description thereof are omitted.

  Next, operations of the list information device 1, the smartphone 2, and the payment terminal 3 having the above-described configuration according to the present invention will be described with reference to FIG.

  FIG. 4 shows the list information device 1 that is executed when the CPU 114 executes the control program 1151 and the predetermined application program 1152, and the smartphone 2 that is executed when the CPU 214 executes the control program 2151 and the predetermined application program 2152. 5 is a sequence diagram showing a procedure for a user to make a payment at the payment terminal 3 using.

  The user pairs the list information device 1 and the smartphone 2 with Bluetooth (registered trademark) in the present embodiment as Bluetooth (registered trademark), but may be other wireless communication or wired (step SA1). This pairing process is performed by executing the pairing program 1153 of the list information device 1 and the pairing program 2153 of the smartphone 2.

  Next, the user uses the input unit 213 of the smartphone 2 so that the list information device 1 can settle the data of the electronic wallet charged in the electronic wallet function of the smartphone 2 when the smartphone 2 is picked up. To operate. By this operation, the smartphone 2 locks the non-contact communication function by the NFC of the smartphone 2 (while being locked, the smartphone 2 is in a state where it cannot be directly settled by the non-contact communication by the NFC of the smartphone 2), and then the smartphone 2 The electronic wallet data of the electronic wallet function is transmitted to the list information device 1 by communication using Bluetooth (registered trademark) (step SA2).

  When the list information device 1 receives the electronic wallet data, it returns ACK. The smartphone 2 that has received the ACK notifies the list information device 1 that the payment processing using the data of the electronic wallet may be started, and performs the payment processing with the list information device 1 to the user. A message indicating that the preparation has been completed is displayed on the display unit 2 (step SA3).

  Thereafter, when the user makes a payment, the payment is made using the electronic wallet data transferred to the list information device 1. Specifically, when making a payment, the user touches the list information device 1 on the payment terminal 3, and makes a payment such as a fare between the list information device 1 and the payment terminal 3 by non-contact communication by NFC (step) SA4).

  When the list information device 1 is touched on the payment terminal 3, the payment terminal 3 transmits, for example, a payment processing request for an amount corresponding to the section on which the user has boarded, to the list information device 1, and the list information device 1 sends the amount of money to the electronic wallet. The settlement process is performed by deducting the amount of data from the data, and a settlement process completion notification is transmitted to the settlement terminal 3 (step SA5). Of course, it is possible to increase the charge amount not only by the settlement process but also by a charge operation.

  On the other hand, when the user wants to use the NFC contactless communication function of the smartphone 2, the user operates using the input unit 213 of the smartphone 2 so that payment can be performed using the NFC contactless communication function of the smartphone 2. With this operation, the smartphone 2 requests the list information device 1 to return the electronic wallet data to the smartphone 2. Upon receiving this request, the list information device 1 locks the NFC non-contact communication function of the list information device 1 so that the list information device 1 cannot perform payment processing using the electronic wallet data, and the electronic wallet data. Is transmitted to the smartphone 2. The electronic wallet data to be transmitted is updated data reflecting the payment or charge made by the list information device 1 (step SA6).

  When the smartphone 2 receives the electronic wallet data from the list information device 1, it returns an ACK to that effect. Upon receiving the ACK, the list information device 1 deletes the electronic wallet data from the list information device 1 and unlocks the non-contact communication function by the NFC of the list information device 1. Then, the smart phone is notified that the electronic wallet data has been deleted from the list information device 1 (step SA7).

  When the smartphone 2 receives the notification of the deletion, the display unit cancels the locked non-contact communication function by NFC, and the smartphone 2 is ready to perform direct payment processing by non-contact communication by NFC. 2 and transmitted to the user (step SA8).

  According to the procedure described above, the user can use the list information device 1 to make payment by the payment terminal 3 with money charged to the electronic wallet function of the smartphone 2.

(Embodiment 2)
In the first embodiment, the payment processing in the list information device 1 is realized by transmitting the electronic wallet data held by the electronic wallet function of the smartphone 2 to the list information device 1. On the other hand, in the second embodiment, it is possible to perform settlement processing by non-contact communication by NFC of the list information device 1 without transmitting the data of the electronic wallet of the smartphone 2 to the list information device 1. is there.

  In the method according to the second embodiment, the electronic wallet function of the smartphone 2 is always maintained even if the payment is made by the non-contact communication by the NFC of the smartphone 2 or the non-contact communication by the NFC of the list information device 1. Payment processing using electronic wallet data will be possible.

Also in the second embodiment, the list information device 1 and the smartphone 2 that can exchange data with each other as shown in FIG. 1 and the smartphone 2 and the electronic wallet data held by the electronic wallet function of the smartphone 2 are settled. And the settlement terminal 3 to be configured.
Hereinafter, the operation related to the settlement processing in the second embodiment will be described with reference to FIG.

  FIG. 5 shows the list information device 1 that is executed when the CPU 114 executes the control program 1151 and the predetermined application program 1152, and the smartphone 2 that is executed when the CPU 214 executes the control program 2151 and the predetermined application program 2152. It is the sequence diagram which showed the procedure in which the user by 2nd Embodiment performs payment with the payment terminal 3 using FIG.

  As in the first embodiment, the user pairs the list information device 1 and the smartphone 2 with Bluetooth (registered trademark) (in this embodiment, Bluetooth (registered trademark), but may be other wireless communication or wired). Ring (step SB1). This pairing process is performed by executing the pairing program 1153 of the list information device 1 and the pairing program 2153 of the smartphone 2.

  Next, the user operates using the input unit 213 of the smartphone 2 so that payment can be made by non-contact communication by NFC of the smartphone 2 or non-contact communication by NFC of the list information device 1. By this operation, the smartphone 2 relays the electronic wallet data sent from the smartphone 2 to the list information device 1 by communication using Bluetooth (registered trademark) by the list information device 1, and the contactless communication by NFC of the list information device 1 Then, a relay instruction for performing the settlement process with the settlement terminal 3 is transmitted to the list information device 1 by communication by Bluetooth (registered trademark) (step SB2).

  When the list information device 1 receives the relay instruction, it returns ACK. The smartphone 2 that has received the ACK displays on the display unit 2 that the preparation for performing the payment process in the second embodiment has been completed (step SB3).

  In this state, a case where the user makes a settlement by non-contact communication by NFC of the smartphone 2 as in the past will be described. This is the same as the payment process by non-contact communication by NFC of the normal smartphone 2, and the payment process is performed by using the non-contact communication by NFC of the smartphone 2 by touching the payment terminal 3 with the smartphone 2.

  When the user touches the payment terminal 3 with the smartphone 2, the payment terminal 3 transmits, for example, a payment processing request for an amount corresponding to the section on which the user has boarded, to the smartphone 2, and the smartphone 2 uses the electronic wallet with the electronic wallet function The settlement process is performed by subtracting the data from the data of the settlement, and a settlement process completion notification is transmitted to the settlement terminal 3 (step SB4).

On the other hand, when the user tries to perform payment processing using the electronic wallet data of the electronic wallet function of the smartphone 2 via non-contact communication by the NFC of the list information device 1, the following processing is performed. .
First, the user touches the payment terminal with the list information device 1 (step SB5).

  When the list information device 1 is touched on the payment terminal 3, the payment terminal 3 transmits to the list information device 1, for example, a payment processing request for an amount corresponding to the boarded section. The list information device 1 transfers this request as it is to the smartphone 2 by communication using Bluetooth (registered trademark). When the smartphone 2 receives this transfer, the smartphone 2 performs the settlement process by subtracting the amount from the electronic wallet data of its own electronic wallet function. When the payment process is completed, the smartphone 2 transmits a completion notification to the list information device 1 by communication using Bluetooth (registered trademark). The list information device 1 transfers this completion notification as it is to the payment terminal 3 via non-contact communication by NFC of the list information device 1. This completes a series of processes (step SB6).

  In the second embodiment, a case has been described in which non-contact communication by NFC of both the smartphone 2 and the list information device 1 can be used simultaneously, but non-contact communication by NFC of the smartphone 2 and the list information device 1 is exclusively performed. You may comprise so that it may be used for.

(Modification of Embodiment 2)
According to the mechanism of the second embodiment, as shown in FIG. 6, even when there are a plurality of list information devices, the settlement processing using the electronic wallet data of the electronic wallet function of one smartphone is performed. Will be able to. For example, in the case of a couple, each couple has list information devices 1A and 1B. At this time, by using the electronic wallet data of the electronic wallet function of the master's smart phone 2, it becomes possible to perform the payment process in the list information devices 1A, 1B of each couple.

  In the first and second embodiments described above, the payment process is money. For example, when an electronic amusement park electronic entrance ticket is purchased with a smartphone and the ticket information is used to pass through the entrance gate. In addition, it is possible to use the list information device by touching the entrance gate.

As mentioned above, although several embodiment of this invention and its modification were demonstrated, if these are in the range in which the effect of this invention is acquired, it can change suitably, and embodiment after change is also a claim. It is included in the scope of the invention described in the scope of the invention and the invention equivalent to the invention. The invention described in the scope of the claims of the present application will be appended below.
[Claim 1]
A first communication means for communicating with a portable device having an electronic wallet function;
A second communication means for performing contactless communication with a payment terminal;
Payment means for performing payment processing with the payment terminal by communication by the second communication means, using amount data of the electronic wallet function of the portable device;
A list information device characterized by comprising:
[Claim 2]
Storage means for storing money amount data of the electronic wallet function of the portable device received by communication by the first communication means;
2. The list information according to claim 1, wherein the settlement unit performs settlement processing with the settlement terminal through communication by the second communication unit using the amount data stored in the storage unit. machine.
[Claim 3]
When the payment means receives a payment processing request from the payment terminal through communication by the second communication means, the payment means reduces the amount data according to the payment amount, and stores the reduced amount data in the storage means The list information device according to claim 2, wherein the list information device is a list information device.
[Claim 4]
When the settlement stop request by the settlement unit is received by communication by the first communication unit, the amount data stored in the storage unit is transmitted to the portable device by communication by the first communication unit; The list information device according to claim 2, further comprising a control unit that deletes the amount data stored in the storage device.
[Claim 5]
5. The list information according to claim 4, wherein the control unit prohibits communication by the second communication unit when a settlement stop request by the settlement unit is received by communication by the first communication unit. machine.
[Claim 6]
A relay unit that relays the amount data of the electronic wallet function of the portable device received by communication by the first communication unit to the settlement unit;
2. The list information device according to claim 1, wherein the settlement unit performs settlement processing with the settlement terminal through communication by the second communication unit using the amount data relayed by the relay unit. .
[Claim 7]
When the payment means receives a payment processing request from the payment terminal through communication by the second communication means, the payment means transmits the payment processing request to the portable device by the first communication means. The list information device according to claim 6.
[Claim 8]
A computer included in a list information device having a first communication means for communicating with a portable device having an electronic wallet function and a second communication means for performing non-contact communication with a settlement terminal;
Payment means for performing payment processing with the payment terminal by communication by the second communication means, using amount data of the electronic wallet function of the portable device;
A list information device program characterized in that it functions as a program.
[Claim 9]
In a list information device comprising a first communication means for communicating with a portable device having an electronic wallet function, and a second communication means for performing contactless communication with a payment terminal,
A settlement step of performing a settlement process with the settlement terminal by communication by the second communication means using the amount data of the electronic wallet function of the portable device;
An electronic payment method for a list information device, comprising:
[Claim 10]
A portable device with an electronic wallet function,
Communication means for communicating with the list information device;
Payment permission means for allowing the list information device to perform payment processing with the payment terminal using the communication means;
A portable device comprising:
[Claim 11]
The portable device having the electronic wallet function is
Further comprising designation control means for allowing a user to designate whether the payment processing with the payment terminal is performed by the list information device or the portable device;
The said payment permission means permits the payment processing with the said payment terminal to be performed with the said list information apparatus, when the payment process with the said list information apparatus is designated by the said designation | designated control means. The portable device according to 10.
[Claim 12]
The portable device having the electronic wallet function is
A money amount data sending means for sending the money amount data of the electronic wallet function of the portable device to the list information device by the communication means when a payment process in the list information equipment is designated by the designation control means,
Payment processing locking means for disabling payment processing with the payment terminal in the portable device when payment processing in the list information device is specified by the designation control means;
The mobile device according to claim 11, further comprising:
[Claim 13]
The portable device having the electronic wallet function is
When the payment processing at the portable device is specified by the designation control means, the communication means transmits a payment stop request for disabling the payment processing with the payment terminal at the list information device to the list information device. Payment stop request transmission means;
A payment processing lock releasing means for releasing a payment processing lock in the portable device when a payment processing in the portable device is designated by the designation control means;
The mobile device according to claim 11, further comprising:
[Claim 14]
A computer having a communication device for communicating with the list information device and a portable device having an electronic wallet function,
A payment permission means for permitting the payment processing with the payment terminal to be performed by the list information device using the communication means;
A program for a portable device characterized in that it functions as a computer program.
[Claim 15]
In a portable device having a communication means for communicating with a list information device and an electronic wallet function,
A settlement permission step for permitting the list information device to perform a settlement process with the settlement terminal using the communication means;
An electronic payment method for a mobile device, comprising:
[Claim 16]
An electronic payment system comprising a list information device, a portable device having an electronic wallet function capable of communicating with the list information device, and a payment terminal,
The list information device is:
First communication means for communicating with a portable device having the electronic wallet function;
A second communication means for performing contactless communication with the settlement terminal;
Payment means for performing payment processing with the payment terminal by communication by the second communication means, using amount data of the electronic wallet function of the portable device,
The portable device having the electronic wallet function is
Communication means for communicating with the list information device;
Payment permission means for allowing the list information device to perform payment processing with the payment terminal using the communication means;
An electronic payment system characterized by comprising:

DESCRIPTION OF SYMBOLS 1 List information apparatus 1A List information apparatus 1B List information apparatus 2 Smartphone 3 Payment terminal 101 Clock case 102 Display part 103 Wrist band 111 Clock part 112 Display control part 113 Input part 114 CPU
115 Program memory 1151 Control program 1152 Application program 1153 Pairing program 116 Built-in memory 117 Wireless I / F unit 118 NFC I / F unit 202 Display unit 212 Display control unit 213 Input unit 214 CPU
215 Program memory 2151 Control program 2152 Application program 2153 Pairing program 216 Built-in memory 217 Wireless I / F unit 218 Communication I / F unit 219 NFC I / F unit

Claims (11)

A first communication means for communicating with a portable device having an electronic wallet function;
A second communication means for performing contactless communication with a payment terminal;
Storage means for storing money amount data of the electronic wallet function of the portable device received by communication by the first communication means;
Payment means for performing payment processing with the payment terminal by communication by the second communication means, using the amount data stored in the storage means ;
Control means for transmitting the money amount data stored in the storage means to the portable device by communication by the first communication means;
An information device characterized by comprising: When the payment means receives a payment processing request from the payment terminal through communication by the second communication means, the payment means reduces the amount data according to the payment amount, and stores the reduced amount data in the storage means The information device according to claim 1 . Wherein, when transmitting the money data stored in the storage unit to the portable device by communication according to the first communication means, to remove the money data stored in the previous term memory device The information device according to claim 1 or 2 , characterized in that The control means prohibits communication by the second communication means when the money amount data stored in the storage means is transmitted to the portable device by communication by the first communication means. Item 4. The information device according to any one of Items 1 to 3 . The portable device and the first communication means for communicating with an electronic wallet function, settlement terminal and the second communication means for performing non-contact communication, and electronic of the mobile device received by the communication by the first communication means A computer included in an information device having storage means for storing money amount data for a wallet function ,
Payment means for performing payment processing with the payment terminal by communication by the second communication means, using the amount data stored in the storage means;
Control means for transmitting the money amount data stored in the storage means to the portable device by communication by the first communication means;
A program for an information device characterized by functioning as The portable device and the first communication means for communicating with an electronic wallet function, settlement terminal and the second communication means for performing non-contact communication, and electronic of the mobile device received by the communication by the first communication means In an information device provided with a storage means for storing money amount data for a wallet function ,
Using the amount data stored in the storage means, the second row of the settlement process and the payment terminal by the communication by the communication means of mortar steps,
Transmitting the amount data stored in the storage means to the portable device by communication by the first communication means;
An electronic payment method for information equipment, comprising: A portable device that has an electronic wallet function and can process payments with a payment terminal ,
A communication means for communicating with the information device;
The settlement processing with the settlement terminal, the settlement permission means using the amount data of the electronic wallet function of the mobile device, to carry out in the information device, to allow using said communication means,
Payment processing locking means for disabling payment processing with the payment terminal in the portable device when the payment processing with the payment terminal is permitted by the payment device by the payment device;
A portable device comprising: Amount data that causes the communication device to transmit the amount data of the electronic wallet function of the portable device to the information device when the payment permission unit permits the information device to perform a payment process with the payment terminal. the portable device of claim 7, further comprising a transmission hand stage. When resuming the payment process with the payment terminal in the portable device, request means for requesting the amount data transmitted to the information device by the communication means to be returned to the portable device ;
When resuming the payment processing with the payment terminal in the portable device, payment processing lock releasing means for releasing the payment processing lock in the portable device;
The mobile device according to claim 8 , further comprising: A computer having a portable device having a communication means for communicating with an information device and an electronic wallet function and capable of performing a payment process with a payment terminal ;
The settlement processing with the settlement terminal by using the amount data of the electronic wallet function of the mobile device, to carry out in the information equipment, payment authorization means for permitting using the communication means,
Payment processing locking means for disabling payment processing with the payment terminal in the portable device when the payment processing with the payment terminal is permitted by the payment device by the payment device;
A program for a portable device characterized in that it functions as a computer program. In a portable device that has a communication means for communicating with an information device and an electronic wallet function and can perform payment processing with a payment terminal ,
The settlement processing with the settlement terminal by using the amount data of the electronic wallet function of the mobile device, to carry out in the information equipment, payment authorization steps to allow using said communication means,
A payment processing lock step for disabling payment processing with the payment terminal in the portable device when the payment processing with the payment terminal is permitted by the information device by the payment permission step;
An electronic payment method for a mobile device, comprising:

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