Net shopping method, system therefor, and automatic payment transfer device

• US 20020062257A1
• Filed: 03/23/2001
• Published: 05/23/2002
• Est. Priority Date: 11/22/2000
• Status: Active Grant

• Current Assignee: Fujitsu Limited
• Original Assignee: Fujitsu Limited
• Inventors: Arai, Koji, Minamishin, Hayato, Abe, Tsuyoshi
• Granted Patent: US 7,319,978 B2
• Time in Patent Office: Days
• US Class Current: 705/26
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/208 Use of an ATM as a switch or hub

Abstract

The present invention relates to a Net shopping method for performing Net shopping through the Internet with a portable terminal. The user freely makes product selections (Net shopping) at any time and place using a portable terminal 2. When the user proposes to conduct a transaction, transaction proposal information, payee information, and the amount of money are automatically sent from the Net shopping site to the portable terminal 2 and stored in the internal memory 22. Next, the user takes the portable terminal 2 to the automatic payment transfer device 4, connects the portable terminal to the payment transfer device 4, and transfers the internal data to the payment transfer device 4. The user can perform payment transfer operations with the payment transfer device 4 based on the order acceptance data. Thus the payment transfer process can be performed safely and with a simple operation.

Claims

1. A Net shopping method comprising:

a step for performing Net shopping through the Internet with a portable terminal and storing the order acceptance data in the memory of the portable terminal;

a step for transferring said order acceptance data from said portable terminal to an automatic payment transfer device of a financial system;

a step for operating said payment transfer device to perform payment transfer operations; and

a step for performing payment transfer processing using the contents of said operations and said order acceptance data with said financial system.

2. The Net shopping method, according to claim 1, wherein said Net shopping performing step comprises:

a step for accessing a Net shopping site hosted by a server through said Internet from said portable terminal;

a step for sending product order data to said server; and

a step for sending order acceptance data corresponding to said product order from said server to said portable terminal and storing said order acceptance data in the memory of the portable terminal.

3. The Net shopping method, according to claim 2, wherein said sending step comprises a step for sending said order acceptance data including the payee information for said ordered product.

4. The Net shopping method, according to claim 1, wherein said operation step comprises:

a step for providing payment transfer operation guidance with said automatic payment transfer device based on said order acceptance data and sending the payment transfer data according to the user'"'"'s payment transfer operations through a dedicated line to a host computer of said financial system; and

said payment transfer processing comprises;

a step for performing the payment transfer processing of said payment transfer data with said host computer and notifying said payee.

5. The Net shopping method, according to claim 1, wherein said transferring step comprises a step for transferring said order acceptance data from said portable terminal to the automatic payment transfer device of the financial system in response to the pressing of the send key of said portable terminal.

6. The Net shopping method, according to claim 4, wherein said operation step comprises;

a step for receiving said order acceptance data from said portable terminal;

a step for displaying said order acceptance contents;

a step for prompts an user to input the payment transfer contents to generates said payment transfer data.

7. A Net shopping system comprising:

a server for hosting a Net shopping site and sending order acceptance data to a portable terminal, corresponding to Net shopping ordered through the Internet from said portable terminal;

an automatic payment transfer device for receiving said order acceptance data from said portable terminal and sending payment transfer data according to the payment transfer operations based on said order acceptance data of the said user; and

a host computer connected to said automatic payment transfer device and for receiving the payment transfer data from said automatic payment transfer device and performing the payment transfer processing.

8. The Net shopping system, according to claim 7, wherein said server receives the product order data corresponding to the access to said Net shopping site through said Internet from said portable terminal, and sends order acceptance data corresponding to said product order through said Internet to said portable terminal.

9. The Net shopping system, according to claim 8, wherein said server sends said order acceptance data, including payee information for said ordered product, to said portable terminal.

10. The Net shopping system, according to claim 7, wherein said automatic payment transfer device provides payment transfer operation guidance based on said order acceptance data and sends the payment transfer data according to the user'"'"'s payment transfer operations through a dedicated line to said host computer;

and said host computer performs the payment transfer processing of said payment transfer data and notifies said payee.

11. The Net shopping system, according to claim 7, wherein said automatic payment transfer device receives said order acceptance data from said portable terminal in response to the pressing of the send key of said portable terminal.

12. The Net shopping system, according to claim 7, wherein said automatic payment transfer device receives said order acceptance data from said portable terminal, displays said order acceptance contents, prompts the user to input the payment contents, and generates said payment transfer data.

14. The automatic payment transfer device, according to claim 13, wherein said control unit receives said order acceptance data from said portable terminal, displays said order acceptance contents, prompts the user to input the transfer contents, and generates said payment transferred data.

15. The automatic payment transfer device, according to claim 13, further comprising a connecting portion for connecting with said portable terminal.

16. The automatic payment transfer device, according to claim 15, wherein said connecting portion comprises a housing portion for housing said portable terminal.

17. The automatic payment transfer device, according to claim 13, wherein said control portion displays said received order acceptance data on the operation guidance portion so that a subject of said payment transfer is selected.

18. The automatic payment transfer device, according to claim 13, wherein said control unit displays a screen for selecting a method of said payment transfer;

receives the order acceptance data according to the Net shopping from the portable terminal when said portable terminal is indicated as said payment transfer method; and

performs payment transfer operations based on said order acceptance data.

13. An automatic payment transfer device comprising:

operation guidance means for guiding the payment transfer operations of the user and carrying out the payment transfer operations of the user; and

a control unit for receiving the order acceptance data according to the Net shopping from the portable terminal, providing the payment transfer operation guidance based on said order acceptance data, and sending the payment transfer data through a dedicated line according to the user'"'"'s payment transfer operations to a host computer for performing the payment transfer process.