Card settlement method and system using mobile information terminal
First Claim
1. A card settlement method using a mobile information terminal provided with an IC card read/write function and a wireless communication function for the settlement of a transaction in a business establishment, comprising:
- a step of having a customer using a business establishment wirelessly connect to an authorization server through a network by the mobile information terminal, a step of having the customer load his or her IC card in the mobile information terminal, read the information stored in this IC card, and send it to the authorization server, a step of having the authorization server decide on the authorization of the current transaction from authentication information stored in the IC card and proving the legitimacy of the card, settlement information containing at least a card number, and personal identification information input from the customer and proving the legitimacy of the customer, a step of sending a temporary password issued from a settlement server to the mobile information terminal for display after the authorization of the current transaction, a step of inputting the temporary password and the current transaction information from a business establishment side settlement terminal and sending it to the settlement server, and a step of having the settlement server settle the transaction with the password and the transaction information satisfying the settlement conditions.
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Accused Products
Abstract
A card settlement method using a mobile information terminal provided with an IC card read/write function and a wireless communication function for the settlement of a transaction in a business establishment, comprising a step of having a customer using a business establishment wirelessly connect to an authorization server through a network by the mobile information terminal, a step of having the customer load his or her IC card in the mobile information terminal, read the information stored in this IC card, and send it to the authorization server, a step of having the authorization server decide on the authorization of the current transaction from authentication information stored in the IC card and proving the legitimacy of the card, settlement information containing at least a card number, and personal identification information input from the customer and proving the legitimacy of the customer, a step of sending a temporary password issued from a settlement server to the mobile information terminal for display after the authorization of the current transaction, a step of inputting the temporary password and the current transaction information from a business establishment side settlement terminal and sending it to the settlement server, and a step of having the settlement server settle the transaction with the password and the transaction information satisfying the settlement conditions.
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Citations
20 Claims
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1. A card settlement method using a mobile information terminal provided with an IC card read/write function and a wireless communication function for the settlement of a transaction in a business establishment, comprising:
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a step of having a customer using a business establishment wirelessly connect to an authorization server through a network by the mobile information terminal, a step of having the customer load his or her IC card in the mobile information terminal, read the information stored in this IC card, and send it to the authorization server, a step of having the authorization server decide on the authorization of the current transaction from authentication information stored in the IC card and proving the legitimacy of the card, settlement information containing at least a card number, and personal identification information input from the customer and proving the legitimacy of the customer, a step of sending a temporary password issued from a settlement server to the mobile information terminal for display after the authorization of the current transaction, a step of inputting the temporary password and the current transaction information from a business establishment side settlement terminal and sending it to the settlement server, and a step of having the settlement server settle the transaction with the password and the transaction information satisfying the settlement conditions. - View Dependent Claims (4, 15)
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2. A card settlement method using a mobile information terminal provided with an IC card read/write function and a wireless communication function for the settlement of a transaction in a business establishment, comprising:
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a step of having a customer using a business establishment wirelessly connect with an authorization server through a network by the mobile information terminal, a step of having the customer load his or her IC card and a business establishment IC card provided in the business establishment in the mobile information terminal, read the information stored in these IC cards, and send it to the authorization server, a step of having the authorization server decide on legitimacy of these IC cards from authentication information stored in the IC card of the customer and proving legitimacy of the customer and business establishment information stored in the business establishment IC card and specifying the business establishment, a step of having the authorization server authenticate the customer from personal identification information input from the customer and proving the legitimacy of the customer after these IC cards are authenticated, a step of having the settlement server decide on authorization of the current transaction by settlement information stored in the IC card of the customer and containing at least a card number and current transaction information input by the customer after the customer is authenticated, and a step of having the settlement server settle the transaction where it is decided that the current transaction satisfies the settlement conditions.
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3. A card settlement method using a mobile information terminal provided with an IC card read/write function and a short distance wireless communication function and a settlement terminal on a business establishment side provided with a short distance wireless communication function, comprising
a step of having a customer using a business establishment wirelessly connect the mobile information terminal with a settlement terminal on the business establishment side, a step of having the customer load his or her IC card in the mobile information terminal and send the information stored in this IC card and personal identification information input from the customer and proving legitimacy of the customer to the settlement terminal, a step of sending the authentication information and personal identification information stored in the IC card and proving the legitimacy of the card to an authorization server from the settlement terminal through a settlement network, a step of having the authorization server decide on a legitimacy of the IC card and a legitimacy of the customer based on the authentication information and the personal identification information, a step of having the customer wirelessly inputting information containing at least a card number stored in the IC card and transaction information input by the customer to the settlement terminal on the business establishment side after the IC card and the customer are authenticated, a step of having the settlement terminal decide a validity of the current transaction, a step of sending the current transaction information together with business establishment information for specifying the business establishment from the settlement terminal through the settlement network to the settlement server after the confirmation of the validity, and a step of having the settlement server carry out the settlement.
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5. A card settlement system wherein a settlement terminal installed in a business establishment is connected through a settlement network with an authorization server and a settlement server retained by a card company or a bank, and a customer can perform the settlement by using a card, providing following means of:
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an application server provided in the mobile information terminal, and providing a read/write function of an IC card for performing a read/write operation of information with respect to the IC card with authentication information proving a legitimacy of the card, personal identification information proving the legitimacy of the customer and settlement information containing at least a card number stored therein, a storage of an application software for a specific service, a control of a screen of said mobile information terminal and a gateway function between the network of said mobile information terminal and said settlement network, and a password issuance function provided in said settlement server issuing a temporary password based on settlement information input from said IC card through the network of said mobile information terminal, said application server and said settlement network. - View Dependent Claims (6, 9, 10, 18, 19, 20)
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7. A card settlement system wherein a settlement terminal installed in a business establishment is connected through a settlement network with an authorization server and a settlement server retained by a card company or a bank and wherein a customer can settle a transaction by using a card, provided with:
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a read/write function of an IC card provided in a mobile information terminal and reading/writing information with respect to a personal IC card storing settlement information containing at least a card number, an expiration date of the card, and a customer name and a business establishment IC card storing business establishment information containing at least a transaction member business establishment ID and an application server storing application software for a specific service, controlling a screen of the mobile information terminal, and providing a gateway function between the network of the mobile information terminal and the settlement network. - View Dependent Claims (8)
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11. A card settlement system wherein a settlement terminal installed in a business establishment is connected through a settlement network with an authorization server and a settlement server retained by a card company or a bank and wherein a customer can settle a transaction by using a card, provided with:
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a wireless module provided in a mobile information terminal owned by a customer, a read/write function of an IC card provided in the mobile information terminal and reading and writing information with respect to an IC card storing settlement information containing at least a card number, an expiration date of the card, and a customer name, and a wireless module provided in a settlement terminal capable of communicating with the wireless module of the mobile information terminal. - View Dependent Claims (12, 13, 14, 16, 17)
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Specification